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Shop Around for Affordable and Reliable Thatched Home Insurance

Shop Around for Affordable and Reliable Thatched Home Insurance

Living in a thatched property comes with many benefits. You can enjoy a beautiful atmosphere like no other and the unique nature of your home makes it a talking point. However, investing in a property with a thatched roof does come with some additional concerns and requirements. Properties with thatched roofs need very specialised home insurance. This is to ensure the roof is fully protected and covered by the insurance. Thatched home insurance is specialised due to the additional risks of having a thatched roof.

Should a problem occur to a thatched roof, the costs to fix it are much higher than a regular roof. Insurers of thatched homes also expect you to provide evidence that the roof is properly maintained and risks are kept to a minimum. Another additional point to keep in mind is that most thatched properties are also very old and many are listed buildings, and this too, comes with additional insurance requirements. Should something in a listed building be damaged, the owners are legally required to return it to as close to its former state as possible.

Choosing Thatched Home Insurance

When you have a thatched roof the number of insurance policies you have to choose between is limited. This is when you compare your choices to regular home insurance. You should also be prepared for it to cost more than regular home insurance. However, there are a number of providers so you can still look at different options and find the right cover for your property. It is also essential you do all you can to minimise the risks a thatched roof comes with, as your insurer may ask for evidence of this.

Minimising Fire Risk and Other Thatched Roof Concerns

Thatched roofs are more likely to be a fire risk than regular roofing. It is important, therefore, that you put additional fire precautions in place including:

  1. Electrical wiring and chimney checking provided by professionals
  2. Have fire-resistant barriers and fire-retardant spray on your roof
  3. Position smoke detectors both in the roof space and around your property

Other common risks of thatched properties include bird and rodent infestation. Winds can also pose a risk if the roof is not properly maintained. It is important to have a regular maintenance schedule. It is also helpful to find and work with experienced professionals should you need repairs.

Thatched Home Insurance Quotes

At Just Quote Me we help many homeowners, including those in specialist properties, find the right cover for their home. We can talk through different quote options and help you to compare the range of thatched home insurance quotes available.

Compare Insurance Quotes Online with Just Quote Me

You can compare the range of thatched home insurance quotes with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 now.

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Sandwich Shop Insurance Quote

Sandwich Shop Insurance Quote

Sandwich Shop Insurance Quote

When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.

Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.

Protect your Sandwich Shop against All Risks

It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:

Employer’s liability insurance

If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.

Buildings and Contents insurance

Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.

Stock and Money Cover

As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.

Public Liability Insurance

Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a  compulsory type of cover but it is highly recommended for any sound business.

Do you have questions about Sandwich Shop Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Do you have adequate Sandwich Shop Insurance?

Do you have adequate Sandwich Shop Insurance?

As the summer season sets in, shops get busier and trade increases. As a sandwich shop owner, you need to be ready both for more custom and the risk this brings. Owners of shops of any kind, especially one serving food, you need adequate insurance in place. Sandwich shop insurance policies are tailored exactly to your needs and ensure you are protected financially against a range of unexpected eventualities.

Sandwich shop insurance takes into account that you deal with the public, may run a commercial kitchen with sharp utensils and equipment and also have employees. Insurance policies typically include:

  • Public liability insurance
  • Employers’ liability insurance
  • Content and stock cover
  • Goods in Transit cover
  • Business interruption cover

There may be additional insurances you want to consider such as food hygiene ratings insurance and each policy will be tailored to the unique nature of your business.

Why do you need Sandwich Shop Insurance?

Most types of insurance are not a legal requirement. However, it is dangerous and risky to work without insurance in place. As a shop owner there are a range of financial risks you should mitigate against. From theft to electrical faults causing stock spoilage, footing the bill after an emergency is not something any business wants to do.

Protecting yourself from financial loss is the most sensible thing to do as a business looking to succeed and prosper. Only employers’ liability insurance is a legal requirement. The other types help guarantee your business financially should an unexpected accident, injury or event occur. It is worth remembering should a member of the public or third party make a claim against your business due to an accident or injury, there is the risk of both compensation payments and legal costs. Without insurance most small businesses find this kind of financial burden too hard to deal with.

Sandwich Shop Insurance Quotes with Just Quote Me

Just Quote Me is proud to be a business insurance specialist. We support and advise many businesses in their options for insurance, including sandwich shop owners. We appreciate the individual nature of all businesses and are ready and waiting to discuss your requirements and help find the right sandwich shop insurance quotes for you. Contact us today to begin your application.

 

 

Insure your Pop Up Shop as they Boost the UK Retail Sector

Insure your Pop Up Shop as they Boost the UK Retail Sector

Pop up shops have been popping up everywhere over the last few years. But did you know that you still need pop up shop insurance? In fact, pop-up retail has taken the UK by storm over the last few years. Temporary shops have become a regular sight across the country. Worth around £2.3 billion, the UK’s pop-up industry accounts for about 0.76% of overall retail revenue. That’s according to a report by telecoms company, EE. And given the hikes in business rates now facing retailers, the number of pop up shops will likely grow.

Why open a pop up shop?

It’s impossible to miss the many empty shop fronts scattered along the UK’s high streets. Some of the largest retailers have shut up shop over recent years, leaving a number of empty lots behind. But this is where pop-up shops can be extremely beneficial. Pop up shops only require the shop owner to pay rent for a short period of time. They don’t need to worry about making a long-term investment or committing to a lease. Pop up shops allow you to either start out or boost your business. They can become a great marketing opportunity too and even becoming increasingly popular with some of the largest high street brands.

Starting your own pop up shop

A pop up shop provides a great opportunity to sell your items or services. You can also use it to test out new products and promote your brand. You can do all of this, without the cost and commitment of a permanent shop. However, make sure you think about these following points before you pop up your pop up shop.

  1. Design your pop up shop experience. Make your shop more than just a temporary place to sell your products.
  2. Find the right pop up space. You can search for pop up shop opportunities in your city by looking at websites like thestorefront.com. You’ll need to think about the size of the space you need and any specific facilities you require.
  3. Consider the logistics. You’ll need to think about how you will accept customer payments, get your products to the pop up shop. Also, give plenty of thought to how you want to set it up and who will run it.
  4. Get the right insurance cover. Before you open the doors of your pop up shop, make sure you have appropriate pop up shop insurance. Your pop up shop is just like any other shop on the high street. Therefore, you need the protection of pop up shop insurance, in case of an accident or damage to your property.
  5. Think about your budget. A clear budget for your pop up store is essential to understand whether it’s a worthwhile investment. Consider how much rent will cost you, staffing, the cost of designing the interior and marketing of the shop.
  6. Promote your pop up. There are a number of creative ways you can promote your pop up shop. From reaching out to local bloggers, contacting local reporters to organising a flash mob.

Pop up shop insurance

Pop up shops offer businesses an exciting, short term product driven, sales opportunity. However, they still need to follow the same regulations, just like any other business. And this includes full insurance cover. Just like insurance for traditional shops, pop up shop insurance covers you for:

  • Employer’s liability.
  • Public liability.
  • Contents, fixtures and stock.
  • Accidental damage.
  • Business interruption.
  • Loss of profits.

But don’t forget, if your pop up shop is a success and you want to transform it into a permanent fixture, then it’s important that you contact your insurer to change the details of your shop insurance as soon as possible.

Remain Open with the Right Shop Insurance

Remain Open with the Right Shop Insurance

The retail industry in the UK has taken a bit of a battering but there are still plenty of popular and bustling shops up and down local high streets. Running a shop is not the easiest job but it can be very rewarding and as a business owner in a difficult area it makes sense you want to do all you can to protect your business. Investing in the right shop insurance can help as you have additional protection should the worst happen. What’s more, one claim made against a smaller shop or struggling business can be enough to see them permanently closed. The cost of shop insurance seems minimal when you consider the closure of your entire business.

What Shop Insurance Cover Do I Need?

A good insurance package will provide you with a range of covers for different scenarios. With help from Just Quote Me you can arrange a bespoke shop insurance package covering those areas you most need protection. A typical shop insurance package may cover:

  • Buildings and contents insurance
  • Window and glass insurance
  • Public liability insurance
  • Employer’s liability insurance
  • Loss of key cover

These are just a few possibilities however and dependent on the nature of your business there may be other types of insurance you want to explore. Different types of shop have different levels of risk and this is another consideration for your policy. If you sell dangerous and hazardous products then you should be ready for a higher premium than a shop which simply sells clothes, for example. There are also specific laws in place for shops which sell food and food safety insurance may also be necessary.

Your Shop Insurance with Just Quote Me

Just Quote Me can help you with your shop insurance whether you know exactly what you’re looking for or are unsure. Our professional team can make suggestions and offer guidance as well as provide a range of shop insurance quotes within your budget for you to choose from.

To discuss your retail business and insurance requirements contact us today.

Insurance for Sandwich Shops

Insurance for Sandwich Shops

When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.

Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.

Protect your Sandwich Shop against All Risks

It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:

Employer’s liability insurance

If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.

Buildings and Contents insurance

Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.

Stock and Money Cover

As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.

Public Liability Insurance

Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a  compulsory type of cover but it is highly recommended for any sound business.

Contact us today to discuss sandwich shop insurance and explore your options.

What does Fish and Chip Shop Insurance cover?

What does Fish and Chip Shop Insurance cover?

There are over 10,000 specialist fish and chip shops in the UK according to the National Federation of Fish Fryers. Every reputable business in this sector will have tailored fish and chip shop insurance in place. If you run a traditional English takeaway, a seaside café or other fish and chip restaurant then you need to have insurance in place to protect your business and customers. What should be covered by your fish and chip shop insurance though?

Compulsory and Optional Fish and Chip Shop Insurance

From a legal perspective, the only cover a fish and chip shop must have in place is employers’ liability insurance. If you employ a single person, casual worker or temporary staff member then it is your legal obligation to have this kind of fish and chip shop insurance in place. All other covers are optional but many of them are vital to the smart and prudent business owner.

Sensible business owners will make sure they have public liability insurance in place too. It protects your business against any claims made by third parties who allege they have an injury or damage to their property damaged because of your business. Most policies available offer cover from £1 million upwards, which ensures peace of mind should the worst happen. Other insurances you may want to consider include business equipment and other business cover offers. Contacting Just Quote Me will allow us to find the best fish and chip shop insurance package for your business.

Fish and Chip Ship Insurance with Just Quote Me

Working with businesses in all sectors, has given the professional team at Just Quote Me experience in many niche areas. Our professional expertise allows us to offer a fair and honest appraisal of the insurance cover you may need for your fish and chip business. Call us today to discuss your insurance requirements.

To Compare Fish & Chip Insurance Quote Online:

Go to our online Quote System or call us for FREE on 0800 084 2325

 

Image accreditation:

By Mw12310 (Own work) [CC BY-SA 3.0], via Wikimedia Commons

Shop Insurance

Shop Insurance

Shop Insurance Online Quote Quick Quote Shop Insurance The right insurance for your retail business is essential. However, we appreciate how complex shop insurance can be which is why we have created a dedicated and straightforward Shop Insurance Quotation System....

Shop Insurance

What to look for when buying shop insurance

Shop Insurance can, in reality, be a complicated purchase decision for you and your business. Our simple online Shop Insurance quotation system allows you to put in the type of shop/retail premises you are operating and the details that matter to you and your individual cover needs. In fact, the individual needs of your business will be carefully evaluated by us to ensure that your shop insurance quote is just right for you and your business needs.

Always check for any hidden clauses in the small print of the policy

Many such insurance policies have hidden clauses and warranties built within the back of the policy wording or schedule. Our unique quotation system will highlight the clauses and warranties that are specific to you and your occupation and therefore you will be fully aware of what they are from the get go! This means that you can make sure that you are fully compliant in the full knowledge of what they are. We believe that the best way to operate is with transparency, which is why we strive to make everything as clear as possible to you from the start of our relationship. Buying insurance for shops is not an easy task but our objective is to basically help you to make an informed decision by providing you with exactly the information that you need.

What is a ‘Stillage’ warranty and what does one mean to my business?

For instance, a shop that stores perishable goods, such as a Greengrocer for instance may well have a stillage warranty which means in simple terms that the stock stored must be stored on racking or similar and it must be raised off the floor level by a certain distance. But unless you are aware of the warranty how can you be expected to fully comply with it?

An insurers stillage warranty should, in our opinion, really be called a ‘storing stock off the floor warranty’. In a nutshell, this is all that it really is. For instance, in the event of a flood, or burst water pipe, even if only the lowest centimetre of stock is damaged then you would normally have to throw away all of the stock. A stillage warranty cannot prevent a major flood from destroying your stock but, if its conditions are fully adhered to, it may help to prevent light water damage to it. What the warranty will say would be along the lines of your stock being stored on pallets or shelving at least say 10cm or 20cm above floor level. So, all in all, a stillage warranty could be pretty useful to have,. It may help to save you time trouble and money in the future should you have an issue with water ingress which would otherwise cause rather costly damage to your stock and therefore your business to boot!

Highlighting clauses and warranties for your protection and peace of mind

At Just Quote Me we will highlight, and where necessary, discuss any such clauses and warranties to make you fully aware of your responsibilities to make sure that the Shop Insurance Policy that you decide upon will indeed pay out in the unfortunate circumstance of a claim arising.

Simply call or contact us today using the online quote form to get the ball rolling!

Small Business Insurance Quote

Small Business Insurance Quote

Are you looking for a Small Business Insurance Quote?

Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers.  We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade.  So if you are a small to medium business or SME – contact Just Quote Me to see how we can help.

You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.

Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.

How we can help with your small business insurance

Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.

Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.

Get your small business insurance quote today

For expert small business insurance advice call Just Quote Me FREE  on 0800 084 2325 or by fill out our Online Quote System.

Property Owners Portfolio Insurance

Property Owners Portfolio Insurance

Around 55% of landlords own more than one property, with 17% owning at least five properties. For some, these will be residential only. For others, there will be a mix of residential and commercial. Insuring each one individually can be time-consuming and costly, especially if discounts are available for insuring multiple properties under one policy. This is where Property Owners Portfolio insurance comes in.

The Benefits Of Property Owners Portfolio Insurance

Property Owners Portfolio insurance offers landlords a convenient and cost-effective way to combine all their properties under one policy. However, it doesn’t have to mean choosing a ‘one size fits all’ policy. Elements can be adapted dependent on the building, its purpose, its location, and level of risk.  Without such insurance, a landlord may find themselves having to cover the cost of unpaid rent or extensive repairs to a building or its contents.

What Does The Insurance Cover?

Property Owners Portfolio insurance can cover different things dependent on need and level of risk. For example, a commercial property may need to cover a landlord in case of accident or injury, which won’t be needed in a residential property. Similarly, a residential property might need appliances to be covered, something not needed in a shop. In general, however, insurance will cover:

  • Property damage, from tenants and from fire, flood or vandalism
  • Contents damage, whether this is shelving or white goods
  • Loss of rent, allowing a landlord to maintain his income.

Taking Out Property Owners Portfolio Insurance

When multiple properties are involved, getting insurance right can be a challenge. That’s why it’s best to speak to an insurance specialist such as Just Quote Me. Their highly-skilled and experienced advisors can talk you through just what you need and find the right policy at the right price. Contact them today on 0800 084 2325 or fill in our Quick Quote Form to find out more.