Not all, on reflection, consider us nicely covered (7)
I believe the answer is:
insured
'covered' is the definition.
('insure' can be a synonym of 'cover')
'not all on reflection consider us nicely' is the wordplay.
'on reflection' says the letters should be written in reverse.
'not all' says the answer is hidden in the clue.
'derusni' can be found hidden inside 'consider us nicely'.
'derusni' written backwards gives 'INSURED'.
(Other definitions for insured that I've seen before include "Covered, maybe against damage to 23 ..." , "Covered for burglary?" , "Covered for losses" , "Covered for loss" , "Protected against loss" .)