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Unique Cover for Special Properties: Stately Home Insurance

Unique Cover for Special Properties: Stately Home Insurance

Every stately home across the UK is unique. Its individual characteristics are what make it so special and if you manage or own a stately home, you’ll be aware of the many costs and financial considerations involved. The beauty of such a property and owning one is a real privilege, but it doesn’t come without difficulties. The unique and special nature of stately properties means very specific and tailored stately home insurance is a must. Many insurance companies simply won’t cover this kind of property, whereas others have dedicated heritage and historic buildings teams who specialise in exactly that.

What is a Stately Home?

This question can be a tricky one to answer. The term “country house” and “stately home” are often used interchangeably. Historians in particular are wary of using such terms. However, some country houses have an appearance which is designed to blend in with the surroundings. Others have a grand and “stately” appearance giving meaning to this title. Almost all country homes, listed buildings and historic properties need specialist insurance of some kind.

Stately homes often have special considerations to keep in mind when it comes to repairs. Specialist insurers understand this and will be able to work with you and approved surveyors where necessary, to ensure any repair work or fixing damage is done to the specifications provided in any listing documentation or similar. Traditional building methods may be necessary to ensure the heritage of the property, for example.

What does Stately Home Insurance Cover?

Stately home insurance mostly pertains to the building and outbuildings that make up your property. Insurers will look at the risks and costs involved in repairs due to said risks. Stately home insurance usually covers your buildings, land and contents, including specialist features of your property.

If your stately home is also a business and you use it in this context, you will also need additional insurance in place. If you have operations that are open to the public, you will need additional liability insurances. What’s more, if your property is used for fishing, shooting or similar activities, you can get cover for this too.

Compare Stately Home Insurance with Just Quote Me

Stately home insurance is a very specialist type of cover. With this in mind it makes sense to work with people who have experience in this field to find the best quotes for your property. At Just Quote Me we specialise in helping people find and compare quotes suitable for their home or business.

Explore Stately Home Insurance Quotes Online:

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

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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Considerations to keep in mind when choosing Home Insurance

Considerations to keep in mind when choosing Home Insurance

When looking for a new home insurance policy or arranging your insurance for the first time, there are some considerations to keep in mind. Exploring home insurance quotes online is a great place to start so you can get a good feel for your options and at Just Quote Me we can help out too. First though, keep these considerations in mind so you can make the right decision when exploring your quotes.

Building and Rebuilding Costs

As a homeowner, buildings insurance is almost always a necessity. Most mortgage companies will not approve your application without buildings insurance in place. It provides protection should something terrible happen to your home such as flood or fire damage. Buildings insurance requires you to estimate the rebuild cost of your home. It is best to get expert advice for this to ensure you do not overestimate and end up paying too much for this part of your insurance.

Contents and Valuables

Working out how much home insurance you need is essential for getting the right amount of cover. We can help you with this and there are various contents calculators online too. Underestimating your contents value can be devastating should you need to make a claim.

What’s more, if you have specific valuables then they may need specific insurance such as valuable items cover or gadgets cover, dependent on the items in question. If you itemise your contents clearly, you can be sure you have the cover you need. Your policy may also have a single-item limit and you need to check this covers your most expensive possession.

Accidental Damage Cover

Not all basic buildings insurance policies include accidental damage cover, so you should be sure to take a look at all policies in depth before choosing. Accidental damage would cover incidents such as cars crashing into your home or damage to the drains or pipes, or even windows. It is important to check policies in full before committing to anything, so you can be sure you have cover should the worst happen.

Considering your Excess

A higher insurance excess typically means your premium price is lower. This can be useful if you don’t plan to claim for low amounts and are only keeping the insurance in place for significant claims. It is important to weigh up the cost of your excess against the monthly or annual premium you are hoping to budget for.

Home Insurance Quotes with Just Quote Me

Just Quote Me work with many homeowners on a daily basis helping to organise their insurance and talk through their requirements and options. We work with individuals living in regular homes as well as those in specialist properties such as stately homes.

Get Home Insurance Quotes Online with Just Quote Me

You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.

Why Compare Cheap Home Insurance Online?

Why Compare Cheap Home Insurance Online?

Searching for home insurance online is a normal process for people who are looking to renew their policy and also those who may be looking for their first policy. It can be easy to visit an insurer’s site and just choose the first policy you find. However, taking time to compare cheap home insurance online ensures you get a policy fitting for your home.

What is Home Insurance?

Home insurance protects your property. It protects it against things such as fire, flood and damage to the home and also your belongings. Home insurance combines two distinct covers: buildings insurance and contents insurance. You can buy these separately but it is more common to buy them in a package.

Buildings insurance specifically protects the structure of your house. This includes permanent fixtures and fittings such as fitted kitchens and toilets.

Contents insurance relates to your possessions. It protects personal possessions and valuables against accident, damage and loss, but they usually have to be listed in an inventory.

Information Needs to Compare Cheap Home Insurance Online

When you are looking for home insurance online, some questions will occur regularly. To compare home insurance online you’ll probably need to provide the following information:

  • Specific property details including when it was built, the type of lock on the front door and whether it has a flat roof or not
  • An estimated rebuild value for your home
  • An estimated value of your personal belongings
  • Details of your current home insurance if you have any, including any claims made
  • Number of occupants living in the home

Does Everybody Need Home Insurance?

Home insurance is not a legal requirement. Although you do not need to have it, it is definitely a good investment should the worst happen to your home. What’s more, mortgage lenders usually insist you have buildings insurance. Many lenders will not arrange your mortgage without appropriate buildings insurance in place.

Annual home insurance policies differ from company to company which is why it’s important to compare quotes. Similarly, if you have a special kind of home such as a listed building or a home with a thatched roof, you will need specialist insurance.

Compare Cheap Home Insurance Online with Just Quote Me

You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.

The Ins and Outs of Professional Indemnity Insurance

The Ins and Outs of Professional Indemnity Insurance

Professional indemnity insurance is not something that all businesspeople need to consider. However, it is vital in many industries and in particular fields of work. Professional indemnity insurance is sometimes known as PI or professional liability insurance too. It covers the legal costs and compensation incurred if you are alleged to have provided poor advice or services resulting in a loss for your client. This loss is almost always related to money, but some clients may claim for reputational damage or similar too.

Do I Need Professional Indemnity Insurance?

In most cases, professional indemnity insurance is a choice. However, in some industries it may be a requirement to join particular industry bodies. You may not be able to join the associations and organisations which most reputable people in your sector will be members of, making it harder for you to find business.

Even if you do not have to have professional indemnity insurance you could be liable for huge costs should a case be won against you. Very few businesspeople have the money available to cover the costs of a court case and compensation, so insurance really is vital in some sectors. Professional indemnity insurance should definitely be a serious consideration if:

  1. You provide design services
  2. You provide advice or professional services
  3. For protection in case of mistakes or negligence in your work
  4. You work as a contractor or freelancer and your clients expect insurance in place for contracts
  5. Your industry body requires insurance to become a member

Some of the most common business areas where you may need to consider professional indemnity insurance include:

  • Graphic designers, architects and interior designers
  • Management and business consultants
  • IT professionals and consultants
  • Engineering contractors and technical contractors
  • Recruitment consultants
  • Tutors and private teachers
  • Fitness service providers such as personal trainers and yoga instructors

Arranging your Professional Indemnity Insurance

The level of indemnity insurance cover you need will differ dependent on your business. Discussing your options with our team at Just Quote Me will ensure you have a range of quotes and companies to choose from. Comparing insurance quotes gives you the opportunity to ensure you get the right level of cover for your needs.

Compare Professional Liability Insurance Quotes Online:

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

Self-Employed Insurance: What Cover Do You Need When You Work for Yourself?

Self-Employed Insurance: What Cover Do You Need When You Work for Yourself?

The Office for National Statistics report that the number of self-employed people is increasing massively year on year. The number of people self-employed in the UK increased from 12% of the labour force in 2001 to 15.1% of the labour force in 2017.

While many self-employed people made the move due to lack of job availability, almost all are reaping the benefits of being their own bosses. It gives you the opportunity to have full control over your career, but it also comes with a range of risks you cannot ignore. With no protection or support from an employer, self-employed insurance is more important than many people realise.

What is Self-Employed Insurance?

Self-employed business insurance policies protect you and your business financially in the event of an unexpected scenario. It protects you should the worst happen. Dependent on the cover you opt for, it can protect obvious things such as damage to your property. It can also cover less obvious things such as financial protection should your advice cause loss to your clients. If you work for yourself then it is likely you will need some kind of self-employed insurance. What you need will depend on factors including:

  • Whether you have any employees
  • Whether your business has shareholders
  • If your business has a high volume of valuable assets
  • The type of business you run
  • Whether you sell or create products
  • Whether you give out advice or information as part of your service

These are just some of the factors which will influence the kind of self-employed insurance you may need.

Protecting your Business against Liabilities

The most important kinds of insurance for a self-employed person relate to liabilities from clients and other third-parties:

Professional Indemnity Insurance

Professional indemnity insurance or professional liability insurance is essential if you offer advice or specific services. This insurance covers compensation costs should a client suffer financial loss due to a mistake or negligence made by you or an employee. Mistakes can happen and should your advice lead to a loss for your customer, they may need to make a claim against you. Professional liability insurance provides financial protection should this happen.

Employer’s Liability Insurance

If you have any employees you are legally required to have correct insurance cover in place. Most businesses must have at least £5 million of employers’ liability cover. This insurance protects your employees and business should the worst happen. This type of insurance will ensure legal fees and compensation are covered if an employee makes a work-related injury or illness claim.

Public Liability Insurance

Not all self-employed insurance policies will include public liability insurance. Public liability insurance is not a legal requirement. However, it ensures you are protected if clients or third parties visit your business premises. There are also policies which will provide cover if you visit client’s homes or their premises too. Public liability insurance provides compensation and legal fees cover if a third-party makes an accident, injury or damage to personal property claim.

Self-Employed Insurance with Just Quote Me

Just Quote Me works with business people from all backgrounds, including many self-employed business people. We can help talk you through a range of self-employed insurance quotes so you can find the right option for your business.

Homepreneurs Still Need Protection | Invest in Home Business Insurance

Homepreneurs Still Need Protection | Invest in Home Business Insurance

A recent study carried out by Enteprise Nation found there are 2.9m “homepreneurs” in the United Kingdom, adding £40bn to local economics. The benefits for both the country and the individual from those working from home are huge. Once you make the decision to run your business from home though, there are still some boxes to tick. You need to protect your livelihood and one element of this is ensuring you have adequate home business insurance.

Protect your Home Business

Working from home is a privilege for many and something many others wish they can do. However, the semi-casual attitude involved in working from home means sometimes some of the more practical elements of running a business get overlooked. Insurance is one of these elements. Your home business needs as much protection as any other, so it requires home business insurance. Dependent on the nature of business different types of cover may be necessary but working with no insurance at all can be a real risk.

What should my Home Business Insurance cover?

Home business insurance may need to cover many different things dependent on the nature of your business. The first thing to consider is your home and contents policy, which probably does not account for any specific contents relating to your business. Some other common elements of a home business insurance policy include:

Public Liability Insurance

Public liability insurance is essential if you will have clients visiting your home. It covers any compensation which may be due should they fall ill, be injured or their property damaged while at your home. This isn’t a very common form of policy for homeworkers, but it is still worth considering.

Professional Indemnity Insurance

This is the most important kind of cover for home businesses. If your business offers advice or professional services to others, then professional indemnity insurance is vital. It will cover you should a client suffer financial or professional loss due to negligence in your advice or service.

Business Buildings Insurance

As your business is based in your home, it may be wise to consider additional buildings insurance. This ensures that your home is protected financially should a fire, flood or other natural disaster occur.

Compare Home Business Insurance Quotes Today

Just Quote Me works with many home business owners to find the right type of insurance for their needs. Every home business is different and you can compare quotes relevant to your business online using our online quote form.

Compare Home Business Insurance Quotes Online:

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

Why Employers Liability Insurance is Not a Choice

Why Employers Liability Insurance is Not a Choice

Any business that employs staff are legally required to have employers’ liability insurance. The definition of staff includes volunteers, work experience placements and sub-contractors and having this kind of insurance is not an option in the UK, it is essential.

The Employers’ Liability (Compulsory Insurance) Act 1969 lays out the exact terms of insurance required. It states that employers are responsible for the health and safety of employees while they are at work. If an accident should occur in the workplace and an employee be injured, they may be in the position to claim compensation against the business. As well as injury, employers are responsible for ensuring employees do not become ill or their property become damaged due to their work.

If an employee makes a claim against their employer and they win, both legal fees and compensation must be paid. Without insurance in place most businesses would not have the funds to do this and therefore, compensation is an essential protection for both parties.

Protection for Businesses and Staff

Employees are at risk of accident at any time. In almost all instances there is no fault on any part, but in the instance that there is, businesses need to be prepared. Slip and trip accidents are amongst the most common in the workplace and high-risk industries such as construction and those dealing with hazardous materials need to be especially mindful of having the right cover in place.

The Employers’ Liability (Compulsory Insurance) Act 1969 states that companies must have at least £5million worth of cover for their employers liability insurance. However, you will find that most companies offer insurance premiums of a minimum of £10million.

Risks of No Employers Liability Insurance

Almost all businesses with employees must have this kind of insurance. There are exceptions such as if you only employ close family members and a few other instances. Trading without employers liability insurance is a huge risk. Heavy fines are the most common form of penalty, with fines of up to £2500 for every day of trading without adequate insurance cover.

Compare Employers Liability Insurance Quotes

Employers liability insurance is essential for all businesses but different companies do offer different levels of cover. At Just Quote Me we can help you compare employers liability insurance quotes and get the right cover for your business with ease.

Compare Employers Liability Insurance Quotes Online:

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

Do you have adequate Manufacturing Insurance?

Do you have adequate Manufacturing Insurance?

Manufacturing contributes £6.7 trillion to the global economy and in the UK, the industry is thriving. Current growth trends suggest manufacturing will be back in the UK’s top five industries by 2021 so business owners in this sector should be poised for an upturn in business. The manufacturing industry comes with additional risks to other businesses though, which is why it is important owners consider specific and specialised manufacturing insurance. Standard business insurance policies are comprehensive for some manufacturers, but it isn’t always the case.

What Risks should Manufacturing Insurance Cover?

Running a manufacturing business does come with risk. Not only because of the use of industrial machinery, some of which may require intensive training. Other obvious insurance risks for a manufacturing business include protection of buildings, stock, machinery and contents. Similarly, almost all manufacturing businesses employ staff to run the equipment which makes employer’s liability insurance a legal requirement. It ensures you have the funds available if an employee made a claim for illness or injury sustained as a result of their employment.

Manufacturing insurance usually includes product liability insurance too. As the business is so product-based, it is important to have this kind of protection. Products liability insurance protects against claims made by third parties. These claims tend to be from members of the public who claim to have been made ill or injured by your products. The expense of litigation in this area can be huge, therefore the right insurance is vital.

Equipment and Machinery Insurance

The equipment and machinery used in manufacturing are amongst the most important assets of the company. A good manufacturing insurance policy will consider these paramount. A good level of cover should provide protection should machinery break down, be damaged or be stolen. In some instances, cover may also involve the cost of repair rather than replacement. However, for most policies the machinery insurance in place will be to ensure it can be replaced like-for-like should the worst happen.

Manufacturing Insurance Quotes with Just Quote Me

Just Quote Me work with businesses of all sizes. This includes many factory-based businesses and companies which have manufacturing facilities. We work with each individual business to find the right manufacturing insurance quotes for their needs.

To Compare Manufacturing Insurance Quotes Online:

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

What Types of Industrial Insurance do I need?

What Types of Industrial Insurance do I need?

Industrial businesses, either on a light or heavy scale, come with many high risks. This a sector where risk of injury is higher than others and when running a light or heavy industrial premises you need to be sure you have the right industrial insurance policy in place. Many companies offer quotes to cover all elements of your industrial business, avoiding the need to invest in several different policies.

Different Types of Industrial Insurance

There are many different types of insurance you may need for your industrial premises and business. The first type to consider is industrial property insurance. Specialist buildings and contents insurance may be necessary, and this will ensure the premises is insured against fire, gas explosion and many other potentially perilous occurrences including flood, storm damage and explosion. Buildings insurance covers the premises for the full rebuilding cost in the event of a disaster and contents insurance will cover the cost of your stock at cost price. Machinery, plant and business equipment insurance is possible in two different ways. You can either choose from “replacement as new” or “indemnity” with the latter taking into account wear and tear when a claim is settled.

Industrial business owners may also want to consider business interruption insurance. Should something such as damaged equipment or an accident stop business, you can claim for the equipment. You will not be able to claim for lost time and capital unless you have business interruption cover as part of your policy. It compensates for any shortfall in gross profit due to a number of unexpected events. These will differ from policy to policy so it important to look in-depth before choosing any insurance provider.

Liability Insurances for Industrial Businesses

Many of the liability insurance policies business owners find in a regular business insurance policy are relevant to industrial businesses too. Industrial business owners are likely to have employees working on their premises. This means employer’s liability insurance is a legal requirement. Similarly, for industrial businesses involved in manufacturing products or parts of products, product liability insurance is also a vital type of cover.

Public liability insurance is not a legal requirement, but it ensures your business is protected against claims from third parties. It protects against claims brought by any third party for injury or loss related to your business and work, including damage to property.

Compare Industrial Insurance with Just Quote Me

Just Quote Me has been helping businesses in many sectors find the right insurance cover for many years. Our insurance experts can help you explore industrial insurance quotes and find the best option for your business.

To Compare Industrial Insurance Quotes Online:

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

 

Protecting your Future with Renewable Energy Insurance

Protecting your Future with Renewable Energy Insurance

Most renewable energy businesses are rural or a diversification of an original business such as a farm. This can mean you believe you are already adequately insured. However, the renewable energy sector has its own risks and therefore, many insurance providers now offer unique renewable energy insurance for your business in this area.

Renewable energy insurance premiums are tailormade and can cover a wide range of different types of energy and premises. Specialist property insurance is often a requirement. You will find insurance covers possible for many different structures and types of renewable energy including:

  • Biomass and wood chip boiler systems
  • Onshore and offshore wind turnbines
  • Wave and tidal marine systems
  • Hydroelectric plants and systems
  • Hydrogen fuel cell developments
  • Biogas and anaerobic digestion
  • Solar energy plants and developments

These are among the most common kinds of renewable energy development which require insurance, but this list is not exhaustive. The renewable energy sector is growing rapidly. Therefore, being fully prepared and covered is key to ensuring business growth in the future, even if accidents and problem occur along the way.

What Does Renewable Energy Insurance cover?

Renewable energy insurance is highly varied due to the different types of energy and the structures involved. The insurance can be in place from before building begins and can incorporate many of the following:

  • Construction and/or erection all risks cover
  • Advanced loss of profits cover
  • Delay in start-up cover
  • Operational all risk cover
  • Machinery breakdown cover
  • Business interruption cover

You may also find renewable energy insurance cover which incorporates more typical business insurances needed by all companies. For example, it may be possible to build in public liability and employers’ liability insurance to a larger renewable energy insurance premium, dependent on the insurer.

Renewable Energy Insurance with Just Quote Me

Just Quote Me work with many progressive businesses in the renewable energy sector. Whatever types of energy you are producing we can help organise the right insurance cover. Contact us today to discuss your individual business needs.

 

Value your Advice with Comprehensive Recruitment Insurance

Value your Advice with Comprehensive Recruitment Insurance

The recruitment sector is one where your knowledge and expertise is everything. Your clients work with you because they expect your industry knowledge and experience to help them either find the right employees for their business or help them in their career. Recruitment is a truly personal service and it is absolutely essential you have adequate protection should something go wrong. Whether an agency or a single consultant, recruitment insurance is vital.

What Kind of Cover is Needed in a Recruitment Insurance Policy?

Some of the insurance premium options available to recruitment professionals are optional but it is worth considering them all in depth. Your recruitment insurance policy could incorporate:

Professional indemnity insurance

Professional indemnity insurance is probably the most important type of cover in recruitment. It protects your business should you give faulty advice which leads to financial loss for a client. All businesses offering advice and guidance should consider this.

Public liability insurance

Public liability insurance protects you should a third party be injured, or their property damaged on your premises or due to your work. It is one of the most common types of business insurance. Almost all companies consider so they have a financial safeguard against claims from clients and other third parties.

Employers’ Liability Insurance

If you have employees, workers, casual staff or even temporary employees now and again then this insurance is mandatory. You legally must have an adequate level of cover in place to provide financial assistance should an employee claim they were injured or became ill due to their work for you.

Additional Covers

Some recruitment professionals may want to consider office insurance, so their equipment is protected against damage or theft. You may also want to look into cyber and data liability insurance. The risks of a cyber attack to your client data can be devastating.

Recruitment Insurance with Just Quote Me

Our experience with businesses from many different sectors guarantees we can help organise your recruitment insurance. Whether an individual or a large firm, Just Quote Me can help ensure you get the right level of insurance cover today.


Covid-19 Business Interruption Ruling

A new ruling by the Supreme Court will help thousands of business interruption insurance policyholders recover from the financial ramifications of the coronavirus pandemic and resulting closures. The ruling was issued on 15th January 2021. 
 
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