careless™ is a digital insurance platform providing instant, fully online business and personal cover for freelancers, creators, and UK SMEs. The company offers modular packages—Starter, Builder, and Scaler—that let customers tailor liability, cyber, and property coverage as their operations grow. Policies are arranged through the Kovrilo MGA and backed by A-rated insurers, with all quotes, purchases, and management handled through a single interactive dashboard.
Funding
Funding not disclosed
Founders
Product
Problem
Most small businesses, freelancers, and creators are underinsured or hold policies built for larger, more traditional operations, leaving them exposed when something goes wrong. The conventional insurance process involves lengthy phone calls, endless paperwork, and confusing jargon, which discourages busy independent workers from securing the right cover.
Solution
careless™ provides a fully digital, self-serve insurance platform that lets users get a live quote, purchase cover, and manage their policy entirely online in minutes. The service offers modular commercial packages—Starter, Builder, and Scaler—that can be mixed and matched to fit a business's current stage, with the caremate™ system automatically tuning coverage as the user takes on staff, premises, or new risks. All policies are arranged with Kovrilo, a UK Managing General Agent, and backed by A-rated insurers, ensuring real financial strength behind every plan. The platform also supports tailored packages for specific industries, allowing users to build their own coverage from a menu of liability, cyber, property, and legal expense options.
Target Audience
Primary customers are UK-based freelancers, content creators, self-employed professionals, and small-to-medium enterprises (SMEs) in creative, technical, and consulting industries who need fast, flexible, and affordable business insurance.
Features
- Instant online quotes generated in minutes through a short questionnaire, with no phone calls or paperwork required
- Modular package structure (Starter, Builder, Scaler) that scales coverage as businesses grow, with the caremate™ system automatically adjusting the policy
- Industry-specific cover for content creators, marketing agencies, photographers, IT consultants, software companies, and more
- All-risks, business contents, cyber, employers' liability, legal expenses, and public liability products available as add-ons or standalone
- Personal belongings coverage for individual items like phones, laptops, and watches, with home contents cover in development
- Fully digital policy management, claims initiation, and renewals through a single online dashboard
- Backed by A-rated insurers including ARAG, Great American International Insurance, and HSB Engineering Insurance, arranged via Kovrilo