Carelessly insure like bear (6)
I believe the answer is:
ursine
'like bear' is the definition.
(I know this)
'carelessly insure' is the wordplay.
'carelessly' indicates an anagram.
'insure' with letters rearranged gives 'URSINE'.
(Other definitions for ursine that I've seen before include "Bearlike" , "Like Paddington" , "with grizzly features?" , "Relating to bears" , "like a character in 14 across [=>BEAR]" .)