Jove is a digital insurance provider/broker for independent contractors and small businesses, offering fast online quoting, purchase, and digital policy documents sourced from a panel of A-rated insurers in the United States.
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After getting my quote online, I wasn’t sure exactly what coverage I needed for a multi-client setup. The Jove team jumped in right away — walked me through my options, explained the risks, and helped tailor the right policy using coverage from multiple A-rated insurers. I had everything sorted and all my documents delivered digitally the same day. Super fast, super professional — and finally, an insurance company that actually feels like a partner.
Jasmine
From WebsiteIndependent Marketing Consultant
This is the first time I needed a business insurance. Jove made it very easy for me to obtain the policy my client requested, on a cancel-any-time, monthly subscription basis. Confirmed Jove's validity with my client, also the prices seem fair. My agent, Marco, was incredibly dedicated, very quick replies via email and on the phone, even late in the evening. His effort and patience are admirable.
Andrei F.
Business Owner
My Agent, Mario showed an excellent knowledge of the products we needed for our Commercial Cargo Van - and the pricing was OUT OF THIS WORLD. My freight broker uses Mario @ Jove, and strongly recommended Mario. After getting this policy quoted, bound up in 15 minutes, with policy in me email all in under 30 min, MARIO IS A SUPERSTAR. And all this was because he saved me about 80% over Progressive and Geico. Finally, Mario is great, friendly, but PLEASE just use him to save $7000-7500 annually on your commercial ins. policy. Thanks MARIO!!
Christopher Tulsa
Business Owner
Jove provides flexible, packaged business insurance designed for self-employed people, independent contractors (including 1099 professionals), and small business owners. The company positions its offering as “contractor insurance without the red tape,” using digital quoting and online purchase to deliver fast coverage and documentation. Jove’s process centers on a short digital intake (“submit your details in 90 seconds”), after which its team matches customers to tailored policies sourced from a panel of A-rated insurers. Customers can purchase online and receive insurance documents digitally, including certificates and compliance documentation intended to be contract-ready for client requirements. Jove markets itself as supportive and human-guided (expert help selecting the right coverage) while enabling borderless work across the United States with no location restrictions. It also offers a referral program that rewards successful referrals with an Amazon voucher.
HC score
verified business cases
No social proof available
Protects the business from losses caused by fraud or theft committed by external parties such as vendors, suppliers, or clients.
Fraud protection
Theft protection
External party cover
Digital-first insurance platform offering instant coverage for UK contractors and freelancers. Policies are FCA-regulated, backed by A-rated insurers (Accelerant, Chubb), and designed for flexible work arrangements without long-term commitments. Covers 250+ professions across UK, US, and 30+ European countries.
Instant digital cover in under 90 seconds
Professional Indemnity, Public Liability, Employer Liability
True monthly subscription model
Flexible, packaged insurance designed specifically for UK-based recruitment agencies, umbrella companies, and payroll firms. Supports permanent, temporary, and contract placements with global client coverage including USA. Underwritten by Accelerant (A-rated insurer) with integration for MSP and enterprise talent platforms.
Professional Indemnity, Public Liability, Employer's Liability
Directors & Officers, Employment Practices Liability
Crime/Fidelity Cover, Contents & Computer Equipment
Required in many states if you have staff; covers medical bills and wages if an employee is hurt.
State-required coverage
Medical bills
Wage replacement
Protection if someone is injured or their property is damaged due to your services; noted as required by many US clients and platforms.
Injury protection
Property damage cover
Contract compliance
Coverage if a client claims your advice or work caused them financial loss; positioned as essential for consultants, designers, and tech professionals.
Financial loss cover
Client claim protection
Tailored policies
Increases total coverage limits across policies, intended for meeting higher client-required coverage levels.
Higher limits
Across policies
Client requirements
Independent Marketing Consultant
After getting my quote online, I wasn’t sure exactly what coverage I needed for a multi-client setup. The Jove team jumped in right away — walked me through my options, explained the risks, and helped tailor the right policy using coverage from multiple A-rated insurers. I had everything sorted and all my documents delivered digitally the same day. Super fast, super professional — and finally, an insurance company that actually feels like a partner.
Business Owner
This is the first time I needed a business insurance. Jove made it very easy for me to obtain the policy my client requested, on a cancel-any-time, monthly subscription basis. Confirmed Jove's validity with my client, also the prices seem fair. My agent, Marco, was incredibly dedicated, very quick replies via email and on the phone, even late in the evening. His effort and patience are admirable.
Business Owner
My Agent, Mario showed an excellent knowledge of the products we needed for our Commercial Cargo Van - and the pricing was OUT OF THIS WORLD. My freight broker uses Mario @ Jove, and strongly recommended Mario. After getting this policy quoted, bound up in 15 minutes, with policy in me email all in under 30 min, MARIO IS A SUPERSTAR. And all this was because he saved me about 80% over Progressive and Geico. Finally, Mario is great, friendly, but PLEASE just use him to save $7000-7500 annually on your commercial ins. policy. Thanks MARIO!!
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Human Cloud Verification ensures that the listed end customer is verified. It's used across kudos, customers, and business cases, and performed by Human Cloud. Think about it like a background check.
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Human Cloud Verification ensures that the listed end customer is verified. It's used across kudos, customers, and business cases, and performed by Human Cloud. Think about it like a background check.
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Human Cloud Verification ensures that the listed end customer is verified. It's used across kudos, customers, and business cases, and performed by Human Cloud. Think about it like a background check.
