# Jove Insurance > Flexible digital insurance for contractors, freelancers, and SMEs ## At a glance | Field | Value | | --- | --- | | Category | Distribution & Sales | | Type | Solutions Provider | | Region | EMEA | | Headquarters | London, United Kingdom | | Founded | 2024 | | Stage | Startup | | Employees | 11-50 | | Funding | Seed | ## Overview Jove Insurance is a digital insurance distribution platform for contractors, freelancers, and small-to-medium enterprises. The company targets self-employed professionals in the UK and EU, offering professional indemnity, public liability, and employer liability coverage through a fully digital, API-first interface. Coverage is delivered in under 90 seconds with no paperwork, and policies are designed for the gig economy with monthly subscription and pause-and-resume options. The platform is built API-first, enabling embedding of insurance validation and enrollment into third-party recruitment platforms and freelancer marketplaces. Flexible contract terms (3-9 months) are available through partnerships with A-rated carriers. Jove is authorized and regulated by the UK Financial Conduct Authority (FRN 977188). Jove secured a GBP 3.6M seed round in late 2024 led by Explorer Investments, with additional backing from Seed X, Love Ventures, and Portfolio Ventures. Earlier funding includes a USD 1.6M convertible note and a GBP 600k pre-seed round. The company launched a pan-European business liability product covering 30 EU countries in January 2025, and entered a digital insurance programme partnership with Chubb (UK) in May 2025 targeting tech contractors. ## Products & services ### Professional Indemnity Insurance Coverage for financial loss claims arising from professional advice or services rendered. Designed for consultants, technology specialists, creative freelancers, and digital service providers. **Key features:** - Instant digital underwriting with no paperwork - Monthly subscription model with flexible pause option - Project\-based and 3\-9 month contract terms *Target users:* Contractors, IT consultants, creative freelancers ### Public Liability Insurance Protects against third-party injury or property damage claims resulting from a contractor's work. Required by many UK clients and contracts for on-site work. **Key features:** - Bundled with professional indemnity or standalone - Digital certificate issuance upon enrollment - Designed to satisfy contractual compliance requirements *Target users:* Contractors working on\-site, tradespeople, field service professionals ### Employer Liability Insurance Mandatory UK coverage for businesses employing staff. Covers claims from employees for injury or illness arising from working conditions. **Key features:** - Complies with UK Employers' Liability \(Compulsory Insurance\) Act - Integrated with the core Jove SME package - Digital onboarding with instant confirmation *Target users:* Small business owners and SMEs with employees ### Pan\-European Business Liability Insurance Extends coverage across 30 EU countries for small businesses operating cross-border. Launched January 2025. **Key features:** - Single policy covering multiple EU jurisdictions - Borderless coverage model for cross\-country contracting - Simplified enrollment via the Jove digital platform *Target users:* Freelancers and SMEs working with EU clients ### Recruitment Business Insurance Scheme A partnership-oriented product integrating insurance validation into recruitment firm onboarding workflows. **Key features:** - Real\-time insurance verification during candidate onboarding - API integration with recruitment agency systems - Reduces compliance friction for staffing firms *Target users:* Recruitment agencies, staffing platforms ## Category & focus - Subcategories: Embedded Insurance, Digital Storefront, API Distribution - Insurance verticals: P&C Commercial, Specialty/E&S - Target customers: Consumers, Brokers, Agents/Agencies ## Links - Website: - Directory profile: - Blog: - Twitter: - Linkedin: - Demo/contact: --- *Last updated: 2026\-06\-03*