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Cover Finder • How we work • UK-focused

Insurance at Cover Finder

Cover Finder is a media and lead generation service. We publish clear, plain-English information and provide a simple way to request quotes for common UK business covers. Where appropriate, we may introduce you to an FCA-authorised insurance broker or provider (or a firm acting as an appointed representative) who can discuss your needs and provide quotes.

Important: Cover Finder is not an insurance broker and does not provide regulated advice. Partners handle advice, recommendations, suitability and policy placement where relevant.

What we do

We help UK businesses understand common commercial insurance covers and start the quote process quickly. We focus on clarity, typical scenarios, and simple next steps.

Information & guidance

We publish pages to explain what a cover is, who it’s for, and what typical policies may include.

Lead generation

If you request a quote, we collect the key information partners typically need to start quoting.

Introductions to partners

Where appropriate, we may introduce you to an FCA-authorised firm (or appointed representative) to discuss options.

“FCA-authorised” means the partner firm is authorised by the Financial Conduct Authority for relevant regulated activities. If a firm is an appointed representative, they operate under the permissions of their principal.

What we don’t do

We are not an insurance broker and we do not provide regulated advice or recommendations. We don’t set premiums, bind cover, issue policies, or assess suitability — those activities are handled by partner firms.

We don’t give regulated advice

We can explain cover types in general terms, but we don’t tell you what to buy.

  • We don’t assess suitability for your circumstances.
  • We don’t recommend a particular insurer or policy.
  • We don’t interpret policy wording as personal advice.

We don’t place or administer policies

Quotes, policies, renewals, premiums and claims are dealt with by the partner firm or insurer.

  • We don’t handle payments or direct debits.
  • We don’t issue policy documents or certificates.
  • We don’t manage claims or complaints about policies.

Insurance covers we help with

We focus on common business covers. Availability and suitability depend on your business activities and underwriting criteria.

Public Liability

Helps protect against claims from third-party injury or property damage linked to your work.

Employers’ Liability

Often needed if you employ staff. Helps protect against employee injury/illness claims.

Professional Indemnity

Helps protect against claims that your advice/services caused a client financial loss.

Product Liability

Helps protect if a product you make, sell, import or supply causes injury or damage and a claim follows.

How the introduction process works

We keep the process simple and transparent.

1) You submit an enquiry

You provide a few details (business type, postcode, cover needs and basic business info).

2) We route your enquiry

Where appropriate, we route it to a suitable partner based on your cover type and basic criteria.

3) Partner contacts you

The partner contacts you regarding your quote, may ask follow-up questions, and provides options.

Consent: If you submit a quote request, you agree to be contacted by one of our partners regarding your quote. See our privacy policy for details.

Frequently asked questions

Clear answers to common questions about our role, partners and quote requests.

Are you regulated by the FCA?

Cover Finder is a media and lead generation service and does not provide regulated insurance advice. Where appropriate, we may introduce you to an FCA-authorised broker/provider (or appointed representative) who can provide regulated services.

Will I definitely receive a quote?

Not always. Quotes depend on underwriting criteria, business activities, and insurer appetite. A partner may request additional information to confirm eligibility.

Do you charge a fee?

We don’t charge you to submit an enquiry. We may receive a referral fee from partners for introductions.

Who contacts me after I submit?

If appropriate, an FCA-authorised partner (or appointed representative) may contact you regarding your quote and next steps.

Ready to compare options?

Use one simple form for Public Liability, Employers’ Liability, Professional Indemnity and Product Liability.

Get a quote →

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