There are an almost incalculable number of available insurance policies, and the wide variety allows for different risk profiles and policies to be tailored for individual circumstances.
For example, nightclub insurance would require a different type of coverage from an off-licence because of the range of risks involved in a building where alcohol is sold and drunk, as opposed to a shop where it is sold but not drunk.
However, there are some particular niche circumstances where a very specific type of policy needs to be written, and a considerable number of them involve a particular part of someone’s body, almost always a celebrity.
These have included over the years the walrus moustache of Australian cricketer Merv Hughes, the teeth of the late comedian Ken Dodd, the legs of several actors and dancers, the vocal cords of many singers and the taste buds of a famed food critic.
The reasons for these have varied considerably depending on how long the policy lasted and the nature of the celebrity involved.
One example of this was the famed hair of NFL defensive player Troy Polamalu, who had his three-foot-long hair insured with the help of Proctor & Gamble, the owners of the Head & Shoulders shampoo brand he was endorsing at the time.
In other cases, a celebrity’s considerable income is seen to be directly related to a particular part of their body, such as a singer’s distinctive voice or the legs of a dancer or athlete.
Pat McAfee, a kicker in the NFL, had his legs insured by Lloyds of London on the last year of his contract, to ensure that in the event he was injured and forced to retire, he could cash out.
In other cases, it is a show of support for a particular cause. The carpools for the vehicles involved in the Montgomery bus boycott that protested against racial segregation were insured by Lloyds of London in case they were damaged.
Insurance companies need to be flexible and develop tailored policies to suit a wide range of industries.
Engineering insurance, for example, needs to be a more comprehensive set of policies that protect not only from injury, damage and losses caused by equipment failure, but also professional liability for designers to ensure they are covered in case something goes wrong.
Whilst there are some insurance claims that are more common than others, in some cases there are real insurance claims that would be seen as too bizarre to include in a film and yet ultimately were paid out.
Here are some of the oddest.
It goes without saying that custard and electronics do not mix, and one particular claimant found out the hard way when her phone dropped out of her hand and became sunk into the viscous yellow liquid.
When she finally fished it out, the phone shockingly refused to turn back on, forcing her to make a claim for a replacement.
In another mobile phone related claim, a Devon farmer helped one of his pregnant cows during labour, but after the calf was born was struggling to find his expensive smartphone.
It turned out to be in the new mother herself, and the insurance company, presumably not wanting to ask any more invasive questions about the misplaced device, paid the claim in full.
Lather, Rinse And Refuel
Car insurance claims involving the fuel tank are surprisingly common, particularly if they have a diesel car and accidentally refuel with unleaded. It can cause major damage to the car, from causing parts to seize up and for vital engine components to corrode away.
However, one unlucky driver had it even worse when she accidentally poured a bottle of shampoo into the tank, which naturally necessitated a claim with her presumably baffled provider.
Experts are urging new business owners who have set up companies from home to check their insurance. Typical home insurance may not cover the books, tools, and equipment needed for a business.
There are thousands of home-based businesses in the UK, from introverted entrepreneurs, who get more done away from the distractions of others, to single parents balancing freelance work-at-home with childcare.
But it can be easy for entrepreneurs of every level to be caught up in the day-to-day demands of their enterprises that they don’t even think about insurance.
Not every home-based business operator will require specialised insurance coverage. Depending on the type of business, home-based business operators may or may not require a separate business insurance policy or an extension to their existing homeowners’ policy.
However, it is always worth a call to ask, as the last thing any business owner needs is to find out too late that their home insurance does not allow for their specific type of business activity on the premises.
If you’re a one-person operation, knitting mittens for babies, then your liability risk is minimal. But if you’re operating a business that requires clients or customers to enter your home, then the liability risk is higher.
If a client falls and injures themselves in your property, or you are sued due to an issue with a product or service, personal liability on your home insurance would not provide cover.
It may also be the case that you could have several thousands of pounds worth of inventory or products being stored, which will also need to be addressed for insurance purposes.
Home-based business operators should contact their insurance representatives as soon as their business is launched, as well as keep in touch as the business grows and evolves. A comprehensive risk management plan need not be complicated and can provide the necessary peace of mind to focus back on your enterprise.
If you’re looking for business insurance in Birmingham, talk to us today!
A report in Money Week suggests that some small companies stopped paying at least one type of insurance during the pandemic in an attempt to reduce their overheads. While in some ways this is understandable, as the lockdown left many businesses fighting for survival, the article warns that cancelling insurance policies is false economy.
It is illegal in some cases for a business to operate without certain types of insurance, and if it is discovered to be doing so, the business owner could face steep fines or other penalties. For example, it is a legal requirement for businesses who employ even just one member of staff to have employers’ liability insurance.
If the business uses a vehicle, it is also required by law to have motor insurance, with a minimum of third-party cover providing £1m of insurance for property damage and an unlimited amount for personal injury.
While it is not always a legal requirement to have public liability insurance, business owners are taking a huge gamble if the company interacts with people who are not employees.
For example, if customers or clients visit the business premises for any reason, and as a result sustain an injury, illness, or damage to their property, they are entitled to claim for compensation. Public liability insurance is designed to help cover any damages awarded to the claimant, and help with legal costs to the business owner.
The pandemic has also highlighted the need for business interruption insurance, which is designed to pay out if the business is unable to trade due to temporary closure of the premises. This could be because of a fire or flood, but small businesses recently successfully challenged for Covid-19 claims in the courts.
While all businesses are free to assess the risk in certain areas of insurance, it can prove a lot more costly in the long run to opt out of certain types of cover.
Looking to compare public liability insurance? Visit our website today.
You can get a Small Business Insurance quote online today with Just Quote Me
At Just Quote Me we can help with your small business insurance quote. We offer a free no obligation quote through our online Quote System or by calling us on 0800 084 2325.
Our business insurance experts are on hand, and can in an instant give you the expert advice you need if you are unsure of any of the sections needed to complete the online quotation process. We also offer instalments so you can spread the cost over a period of time.
Do you need to provide proof of cover for your clients contracts?
Can’t get on site without proof of Public Liability Insurance or Employers Liability Insurance , then look no further than Just Quote Me, we have, over the last two years been busy creating a fantastic platform for you to login and get your own personalised quotations to suit the individual needs of your business. Please remember that your policy will only cover the business description listed on the schedule, so it’s imperative you make sure all your business activities no matter how small are included in this schedule.
Our small business insurance experts
Many Tradesman’s insurance policy have warranties and clauses that are not always easy to see or indeed to understand at Just Quote Me we make it our business to ensure you are fully aware of the warranties and clauses so you can be informed whilst running your business on a day to day basis that will help to ensure your policy will indeed indemnify any loss of an insured peril.
Contractors Insurance is also a complex policy often having Contractors all Risks Insurance to cover Contractors tools equipment and materials whilst on site or whilst being used on a contract, this of course accompanies Contractors Public Liability and if required Employers Liability, please be aware that you will need to notify Insurers of any Labour only Sub Contractors and also any Bone-fidelity Sub contractors as to ensure you are fully protected in the event of such a claim arising.
Quality Business Insurance is, in the event of a claim priceless, let us guide you through the buying process and keep you protected.
To get a FREE no obligation Small Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
Many organisations with business interruption insurance are looking to their policies for cover during the Coronavirus pandemic. The majority of these policies do not cover for pandemics, and so businesses can’t claim for losses. Most business interruption insurance policies cover the costs of physical damage, such as fire or floods. For cover because of a pandemic, you may require a specific pandemic business interruption insurance policy.
A lot of insurance providers offer this cover as an additional add-on or extra to existing business interruption policies.
Pandemic Business Interruption Insurance Explained
In most cases, business interruption insurance covers losses caused by physical damage to a business. For example, if a business has to close because of fire damage, there would not be cover for the loss of business. Most insurers do not generally include cover for the loss of business because of a pandemic.
You can purchase pandemic business interruption insurance separately or as an add-on to existing policies. This cover is sometimes known as cover for infectious diseases.
Pandemic business interruption insurance needs considering with caution, as it will not cover all situations. Some policies will only cover if a disease directly impacts a specific business, and therefore, doesn’t include closure because of a global pandemic. When buying pandemic business interruption insurance, it is essential to fully understand the terms and conditions. While you cannot predict the effects of a pandemic, it is worthwhile having protection in place to cover all possibilities.
Receive Your FREE Pandemic Business Insurance Quote Today
Investing in business interruption insurance with pandemic cover is a great way to protect your business from many risks. For free quotes and more information on this cover, get in touch with our team of experts today. We can discuss your unique requirements to help determine the best insurance policy for your needs.
Civil engineers work in challenging and high-risk environments. What’s more, they are usually the first team on-site and the last tradespeople to leave a site too. With this in mind, civil engineers have to be ready for everything. Consequently, it is crucial to protect your livelihood against the unexpected dangers you may face on site with insurance for civil engineers.
Why Is Insurance For Civil Engineers Essential?
For civil engineers, every day and site is different. There are so many aspects to consider and so many problems you may face. From cables to waterways, pipes and service provision, each job can carry its own risks. One small mistake or unforeseen accident can be costly unless you have the right insurance to protect the business.
One of the biggest risk factors is with public liability. This is where a member of the public or their possessions may suffer harm or injury as a result of your work. Public liability cases can cost millions of pounds, which can spell the end for the business. However, with public liability insurance for civil engineers, you can have the peace of mind that the business has protection, and you can afford to pay for any injury or damage that may occur.
Insurance for civil engineers can also include essential coverage for aspects such as tools and equipment insurances, employer’s liability coverage, vehicle insurance, and so much more.
If you’re not sure what your business needs and whether you have the right coverage for your requirements, Just Quote Me can help. Our expert team can talk you through all of the options you have available. Then, we can create a tailored policy that works best for your business. All the while, we will search the market to ensure what you receive is at the best price possible.
Receive Your Free Quote For Insurance For Civil Engineers
Get in touch with the Just Quote Me team today to talk through your requirements, or receive your FREE quote by filling in our Quick Quote Form.
Running a warehouse is no easy task. It takes dedication, hard work and a significant investment in both time and resources. Like with many businesses, an incident or accident could threaten your company, so insurance is vital. Because warehouses have their own unique risks and opportunities, specialist warehouse insurance cover is often required.
Warehouse insurance cover plays a vital role in protecting the business you have worked so hard for. Choosing warehouse insurance can be confusing, and getting the right type of insurance will mean you have the right coverage.
Types Of Warehouse Insurance Cover
When it comes to insuring a warehouse business, there are various cover options that need to be considered. The type of cover that you need will depend on your unique business. Some of the most popular options for warehouse cover include;
- Employer’s Liability Insurance: Most businesses have a legal requirement to have employer’s liability insurance in place because it protects their staff. This is not unique to warehouse insurance but is a must-have if your company has employees.
- Public Liability Insurance: If anyone who enters your warehouse believes they have suffered any kind of loss, injury or damage to property at your business, then public liability will protect you. This could include suppliers delivering their stock or a visitor who slipped on your warehouse floor.
- Contents Insurance: The contents of your warehouse are often the most important part of your business, and so need proper protection. Contents insurance will cover your stock from flood fire or vandalism.
- Buildings Insurance: Your buildings are essential for the operation of your warehouse and buildings insurance will cover you should anything happen.
- Transit Insurance: Some warehouse insurance policies include cover for your goods while in transit. This can protect them should anything happen, either with your own business or in transit by a courier.
- Equipment Breakdown Insurance: Warehouse machinery could become affected by mechanical or electrical breakdown. This cover can protect your business should this happen.
Are You Looking For Warehouse Insurance?
For more information on finding warehouse insurance cover from Just Quote Me, or to receive a fast, free quote, please fill out our Quick Quote Form.
Looking to compare business insurance quotes online can be tricky and time-consuming. Business owners can go to individual insurance sites (though this means filling in the same information again and again) or use comparison sites. However, these don’t always produce the best quotes. All is not lost, however. There are sites out there that help businesses get the right policy for them. Here’s what to look for to make sure this happens.
Most comparison sites aren’t insurance experts. They use algorithms to produce quotes, which are often much lower than the final price. Therefore, look for sites built by insurance experts. That way, you’ll know you’re getting good advice as well as a good price.
With comparison sites, there is rarely anyone ‘real’ to talk to if you have a question. Insurance companies offer help on the phone but can only answer questions on their policies. The best sites are those linked to brokers who can answer your questions as well as offer online quotes.
You can never be sure with a comparison site who their partners are. This means you can get a good price but be left with additional costs when the cover you receive isn’t enough. Choose comparison sites that clearly list their partners. And make sure those partners are industry leaders.
Reputation is important. It means a company provides an excellent service. Look for sites that aren’t afraid to post their reviews on their site or who work with review sites such as reviews.co.uk. In addition, look for companies registered with industry bodies such as the British Insurance Brokers’ Association.
Where to compare business insurance quotes online
When you want to compare business insurance quotes online, Just Quote Me are a great example of a site that works well and a company that’s working for you. They have easy to understand information on a range of policies and experts available at the end of the phone. To get a competitive business insurance quote today, click here to fill out our Quick Quote Form.
More and more people are beginning to choose flexible working and working from home. Because of this, many people are wondering what working at home insurance is and if they need it? Whether you are new to working from home or have been using your home as an office for a while, having the right cover is important.
Does Working From Home Affect My Home Insurance?
Some home insurance policies might not cover you if you are working from home, and so it is worth checking. Sometimes, office equipment may not be covered, and client visits can be seen as an insurance risk. Home insurance policies are usually designed for domestic use only. Should you need to make a claim when working from home, then you might not be covered.
What Is Working At Home Insurance?
It is possible to get specific insurance to cover working from home. This type of policy will cover business use in the home. It is sometimes available as an add-on to home insurance policies. Working at home insurance will vary depending on your occupation. For example, if you are running a cooking business from your home, there are more risks than someone working part-time at a computer.
Insurance providers will need information on your job and what it involves so that they can provide adequate cover. Anyone who has clients visiting their property for business reasons will also require third party liability which is sometimes included in working at home policies. This will provide cover should someone injure themselves or damage their possessions in your home.
Are You Looking For Working At Home Insurance?
For more information on working from home insurance, and to find out if it could benefit you, get in touch with our team to receive your free quote. At Just Quote Me, we are experts in finding the right insurance policies to suit your individual requirements.
The Coronavirus pandemic has left many business owners looking to their insurance policies to see if they are covered. Because of the conditions of most business insurance agreements, many do not cover the impact of a pandemic. Businesses often need to have a specific pandemic insurance clause in their policies, or a standalone policy to protect from this.
If you are wondering what pandemic insurance is and if it could benefit your business, then read on for our mini-guide.
What Is Pandemic Insurance?
The majority of UK businesses don’t currently have cover for pandemics in place. In the wake of the Coronavirus, insurance coverage is causing problems for many companies. It also highlights a clear gap in policies. Pandemic insurance is a specific policy which covers if losses should occur because of a pandemic. This type of insurance will look different depending on the business type.
Events and venues may have insurance coverage for cancellations and postponements. Similarly, retail and hospitality could receive protection for closures and loss of earnings. When purchasing pandemic insurance, it is vital to look at the terms and conditions closely. This is because the level of cover and applicable situations can vary significantly between insurance providers and policies.
Do I Need Cover For Pandemics?
An insurance policy which covers for pandemics is a relatively niche product, and so many businesses haven’t invested in it previously. The Coronavirus pandemic has meant many companies are now seeing the value in this cover.
If you own a business that could in any way be affected by a crisis such as Coronavirus, then insurance is worthwhile. This includes all industries and business sizes, and the type of cover might need to be tailored to your business needs.
Are You Looking For Pandemic Insurance?
Here at Just Quote Me, we are specialists in finding the right insurance policies for you. To discuss your pandemic insurance needs, and get a free, no-obligation quote, get in touch with our team today.
Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.
What Is Employers’ Liability Insurance?
This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.
Do I Need Employers’ Liability Insurance?
Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.
How Much Employers’ Liability Insurance Do I Need?
The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.
Insurance From Just Quote Me
Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.