by jqm | Mar 17, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Professional Indemnity Insurance
Many businesses can benefit from having professional indemnity insurance. Sometimes referred to as professional liability insurance, it’s essential to understand what this covers before deciding if you need it.
This type of insurance provides protection for businesses that offer advice or a professional service. It will cover any legal costs and expenses that are incurred for your defence. As well as this, it will include cover for damage or costs that are awarded if a claim is made against you. Because providing advice or services inadequately could lead to a client losing business, they could have the right to take legal action.
Who Needs To Have Professional Indemnity Insurance?
There are no legal requirements for any business to hold this type of insurance. Although some regulators and professional bodies require businesses to hold a policy. This is because they are endorsing you as a qualified professional and want to ensure you are properly protected. This is particularly common in architecture, accountancy and chartered surveying. Some clients will also require you to have this cover, so as to protect themselves should things go wrong.
Many businesses choose to take out professional indemnity insurance even when they aren’t required to. This is because it can reassure potential clients and also offers some security. Any business that gives advice, handles client data or provides a professional service should consider this insurance.
Choosing Professional Indemnity Insurance
Every business is unique, and so the same goes for their insurance requirements. This type of cover is not a one-size-fits-all product, and it’s important to get the right option for you.
Here at Just Quote Me, we are specialists in finding the perfect insurance solutions for every need. Because we take time to get to know your business and requirements, we can find you the best deal. For more information, get in touch with our team of experts. Alternatively, fill out our free quick quote form to find the best price for your insurance needs.
by jqm | Mar 10, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance
Running your own tanning salon is a dream for many and is an excellent business venture. Before setting out to open your own salon, you’ll need to consider the unique set of risks that come with this industry. Sun beds come with their concerns, and because they are part of your business, you will need to address these. Solariums sun bed insurance can help protect you should something go wrong. Knowing what insurance you need and where to get it is often confusing.
What Solariums Sun Bed Insurance Is Required?
Because sun beds can pose risks to both customers and business premises, there are various insurance options to consider. The types of insurance you will need will depend on the size and scope of your business. Whether you choose to buy your own sun beds or rent them from a supplier, you need to make sure they are covered. Because most standard contents insurance won’t cover sun beds or solariums, you may need to find specialist insurance.
Solarium sun bed insurance will be designed to specifically cover against the risks of sun beds, including fire, theft and flood. In addition to protecting the equipment in your salon, you will also need to protect your customers. Because sun beds come with risks, you may need public liability insurance. This cover will protect against any legal costs that may incur if a claim is made against you because of injury to a customer.
Where To Get Solariums Sun Bed Insurance
Sun beds are a fairly specialist area, and because of this specialist insurance is often required. Not all insurance companies will offer solariums sun bed insurance. Here at Just Quote Me, our team of experts can help you to find the right policies to meet your needs. We pride ourselves on getting to know your business, in order to recommend the best options.
Are You Looking For Sun Bed Insurance?
Get in touch with Just Quote Me today for your free quick quote for sun bed insurance.
by jqm | Jan 30, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online
In the UK, manufacturing is big business. The sector is one of our largest employers and makes a huge contribution to the British economy. Which is why when something goes wrong, the impact can be significant. As well as the business itself, its supply chain or the broader economy may feel the effect. And, with so many moving parts, there is a good chance something will go wrong at some point. Insurance for manufacturing industry, therefore, is vital. It isn’t something any manufacturing business can do without.
Complexities of manufacturing plant insurance
Because businesses produce goods in so many different ways, insurance that works for one business won’t necessarily work for another. To make sure they get it right, therefore, businesses should talk to an insurance broker, one who understands what they need and can get them the right policy at the right price.
This policy (or a combination of policies, depending on the business) should cover them if the business is unable to operate for any reason. Their factory, or warehouse, for example, might not be available due to fire or flood. Damage to equipment that produces goods will also stop a business operating. Insurance can cover the cost or repair replacement.
Businesses need to think about cover for accidents or injuries. They must, by law, have Employer’s Liability Insurance, which covers them if their employees are hurt, and they (the employer) are at fault. If they have regular visitors, however, or open their premises to customers, public liability insurance is a must.
Buying Insurance for Manufacturing Industry
With so many elements to consider, you are bound to have questions. At Just Quote Me, we are here to help. To get the answers, call Just Quote Me for FREE on 0800 084 2325 or go online to get a quote today.
by jqm | Jan 16, 2020 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Online Business Insurance Quote
One thing every business owner knows is that if something can go wrong, it will. For those involved in manufacturing, however, the impact of this ‘something’ can be significant in a way it might not be for other, office-based, businesses. That’s because manufacturing businesses need machinery to operate. They also need factories or warehouses to operate that equipment from.
If machinery breaks, a factory or warehouse is accessible, or manufacturing supplies aren’t available, a business could fail. Which is why insurance for manufacturing plants is essential.
What do Insurance for Manufacturing Plant policies cover?
While manufacturing businesses may be different from office-based ones, the insurance they need is actually very similar. It needs to cover them for:
- Accidents or injuries to their employees where the business can be found negligent (Employer’s Liability Insurance)
- Accidents or injuries to visitors (including customers) where the business can be found negligent (public liability insurance)
- Damage to equipment, including computers and phone systems, required to run the business
- Damage to machinery required to produce goods
- Loss of access to premise used to manufacture products, whether temporary or permanent.
- Loss of access to the supplies needed to manufacture goods.
There will be risks attached to each of these. Some will be higher than others. Where a factory or warehouse is, for example, to increase the risk of flooding, which could reduce access. Whether a business sells direct to customers could increase the risk of accidents to visitors.
Buying Insurance for Manufacturing Plant
A good insurance broker will work with a business to assess these risks and find the right policy or combination of policies to meet their needs at the right price. Which is why, if you are looking for insurance for your manufacturing business, you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using their Quick Quote Form.
by jqm | Dec 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Local Business Insurance News, Public Liability Insurance
Plumbing contractors insurance covers plumbing contractors against claims, injuries and accidents made by their clients or other individuals. While working on a client’s home, a plumbing contractor can cause damage to property or injure a person. Getting the proper contractors insurance in place means you won’t have to pay the entire compensation on your own.
Why Is Plumbing Contractors Insurance Important?
Like in many trades, plumbing has its share of health and safety risks. A plumbing contractor can cause injury to anyone, including clients, a passerby or even themselves. Obviously, the contractor will have no choice but pay demanded damages.
Damages can be as expensive and may be well out of budget for the average plumbing contractor. Having the right insurance allows contractors to work efficiently without worrying about damages, injuries and compensations. Furthermore, with insurance in place, you’ll only have to pay the excess.
The little matter of public liability
Public liability is necessary for plumbing contractors cover. It ensures they’re well protected from clients or any other individuals that may suffer as a result of your work.
The policy guarantees that any accidental cause of damage to property or injury to a person is covered. Having insurance in place is often a requirement of contracts. Furthermore, highlighting the fact that you have robust and comprehensive insurance cover cements your reputation in the industry.
Of course, plumbing contractors insurance will cover a multitude of different aspects, not just public liability. In your policy, you can include essential components such as tools protection, van insurance and employers’ liability. Whatever your business needs, Just Quote Me can search and compare the market to find the best possible coverage for your business at the best possible price.
Are you looking for plumbing contractors insurance?
Give Just Quote Me a call today at 088 084 2325 to receive a free quote or Request a Callback.
by jqm | Dec 18, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Employers Liability Insurance, Insurance, Insurance Online, Insurance Quote Online
The UK Government requires every person or company who is an employer to get employers’ liability insurance. Employees injured or sick during the course of working for their employer will be covered by the insurance. Furthermore, £2,500 is fined every single day an employee remains without this cover. If inspectors do not see or view a displayed certificate of the insurance, a fine of £1,000 will be required.
While insurance may seem like an unnecessary cost, especially when accidents seem unfeasible, it is of vital importance, just in case the worst happens. Every employee requires coverage for injury or sickness while carrying out their duties for the company.
What employers’ liability really means
Generally, this liability insurance protects employers from any compensation claim by any employee in the course of duty. Whether it’s injury or illness while working for the employer, the workers will be well covered. The legally-demanded insurance kicks in when a company or self-employed individual employs just one person. As soon as you take on staff, you need insurance.
For instance, an employee may suffer a fall or get sick in the course of their duty. As such, employers’ liability will cover their medical bills as well as legal fees.
Also, this liability insurance can cater to claims raised by former employees. Some illnesses and complications might take a while to show or depict their symptoms. As a result, former employees might demand compensation, perhaps months or years after they left your company. This liability cover can insure all these.
For instances of former cases, it is important to ensure you’ve safely stored every document related to the insurance. It is wise to keep records of the insurance, whether the cover has expired or not. Also, ensure the insurer has your Employer Reference Number to make the process of tracing past workers easier.
Are you looking for employers’ liability insurance?
Avoid the possibility of paying fines of up to £2,500 per day. Contact Just Quote Me today for your free quote.
by jqm | Dec 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Employers Liability Insurance
Electrical contractors insurance gives you the peace of mind to accept electrical jobs and provide the best possible services. Electrical contractors maintain, install and design lots of diverse complex electrical systems regularly. So many businesses, homes and individuals rely heavily on these expert services. With the best possible insurance from a policy that meets your individual preferences, you are ready for any contingency.
Electrical contractors insurance gives you the assurance and motivation to concentrate on what you love. Getting free online electrical contractors insurance quote is easy. At Just Quote Me, fill in our Quick Quote Form and we’ll get back to you with the best options for your needs.
Moreover, working as an electrical contractor has its risks. Your work might also mean others are at serious risk of injury or accident. It’s the simple reason that savvy contractors in the electrical industry invest in the best available insurance. An insurance provider such as Just Quote Me ensures that you get specifically what you need. Whether its electrical contractors cover or other tradesmen liability cover, it’ll be customised to meet your needs.
Vital Electrical Contractors Insurance
With so many areas for electrical contractors to make most of insurance, public liability insurance is a great option. Basically, this vital tradesmen insurance protect contractors in case their work injures others or damages property. As expected, a good electrical contracting business could require the contractor to hire an employee or two. In such a case, the government requires that you get compulsory employers’ liability insurance. It protects the contractor from any claim made by an employee out of injuries or sickness from working for you.
Are you looking for electrical contractors insurance?
You can get a tailor-made electrical contractors insurance today to protect your business. Request a Callback now or call Just Quote Me today at 0800 084 2325 to get started
by jqm | Dec 5, 2019 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Insurance
A Business insurance quote online allows you to understand the cost of coverage of insurance for your line of business or trade with ease. Insurance comparers such as Just Quote Me cover every kind of worker, business person or tradesperson. It doesn’t matter whether you’re an electrician, shop owner, plumber or operating in multiple working arrangements. You’ll receive the kind of cover that perfectly keeps you insured to work without fearing any eventuality.
You’ve already made sure your employees are working in stable and safe surroundings. Obviously, you want them covered for virtually all issues and risks of the modern workplace. You don’t want the shock of falls and trips or huge compensation claims from your employees. Ultimately, you would want your employees and business safeguarded against all manner of eventualities.
Detailed quote online
If you’re continually hiring contractors, temporary hands and employees, the government requires that you invest in employers’ liability cover. In fact, the size or type of the business doesn’t really matter, as long as you have employees it is a legal requirement to insure them. All accidents will be covered, illnesses and injuries.
Furthermore, while the law requires employers’ liability, additional insurance options will help keep your products and services fully covered. For instance, public liability covers members of the public against damage to property, injuries and accidents.
If you offer professional expert services and advice in your business, professional indemnity makes a lot of sense. In case your advice or expert service dips your client in financial mess and losses, the indemnity keeps you protected.
Receive business insurance quote online now
Request a business insurance quote online now to benefit from a range of options. You’ll get to know all the additional covers available to protect your services and products better. Furthermore, you’ll know what you can receive for the best price.
Use the Just Quote Me Quick Quote Form for a free business insurance quote online and advice.
by jqm | Nov 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance UK, Insurance, Insurance Online
Whether they manufacture, store or sell wholesale goods, warehouses generally hold large volumes of stock which would be expensive to replace if they were stolen or damaged. The same is true of the building itself and the equipment inside. This is why businesses need warehouse insurance. Without it, they won’t be able to protect their property, their workforce, their clients or customers.
Warehouse Insurance Policies
Companies can buy a single, comprehensive, warehouse insurance policy or separate policies that will offer full protection altogether. Whichever option they choose, however, their insurance cover should include:
- Buildings Insurance, including water, fire and accidental damage. Malicious damage is also included in some policies, or business can ask it is added.
- Stock Insurance, which replaces damaged stock.
- Content Insurance, which includes all the non-stock elements of a business that might be housed in a warehouse. For example, shelving, computers, and other equipment.
- Product Liability Insurance, which protects businesses if the products they sell are faulty.
- Employers Liability Insurance, a legal requirement for all warehouses who employ staff. This covers for accidents and incidents that happen in the warehouse itself, including the use of tools and equipment.
- Warehouse Public Liability Insurance, which provides cover against claims made by visitors to the warehouse due to a company’s negligence.
Where businesses use drivers to deliver goods, they might also want to consider additional insurance for forklifts or trucks used to make deliveries.
Because there are so many elements to warehouse insurance it is essential that businesses get it right. If they don’t, they could find themselves covering costs for replacing stock or equipment or liable if staff or visitors are injured.
Buying warehouse insurance
Do you have questions about warehouse Insurance? Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 22, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK
While factories are generally used to produce goods, the range of goods can seem limitless. Factories manufacture clothing, cosmetics, machine parts, and household appliances to name but a few. This is why insurance for factory based businesses can be harder to get than it might first appear. And why insurance companies look in detail at what the business is and the risks involved in issuing a policy.
Insurance for Factory Policies
Most insurance for factory policies are based on standard business combined insurance policies. They will include:
- Public liability insurance, covering accidents to visitors where the business is negligent.
- Employer liability insurance, covering accidents to employees where the business is negligent.
- Equipment insurance, covering damage to equipment, e.g. computers and phone systems.
- Machinery insurance, covering damage to machinery that produces goods/products.
- Business interruption insurance, covering money lost when the business cannot operate.
The difference comes in the wording, which will be unique to the business itself or the sector it operates in. As a result, most insurance companies will ask businesses a series of questions to make sure they offer the right policy at the right price.
The questions an insurance company might ask, include:
- What the factory does/what products it produces?
- Where is the factory located, e.g. is it on a flood plain?
- What type of supplies are kept at the factory?
- The type of building it is, e.g. is it bricks and mortar?
- What type of risks are there to the continuity of supplies?
- What type of systems are in place, including for fire safety and security.
For anyone looking for insurance for factory, it’s a good idea to have this information to hand before calling an insurance company.
Buying Insurance for Factory
Do you have questions about insurance for factory? Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Oct 29, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Cyber Liability Insurance, Security Company Insurance
According to the UK Government, last year, over 30% of businesses and 22% of charities experienced a cyber-attack or IT-related security breach. This figure has increased year-on-year for the last four years. Some experts estimate each incident costs companies approximately £27,000 to recover. With this in mind, cyber liability insurance becomes essential.
What is a cyber-attack?
The press often focusses on large-scale breaches, such as the NHS ransomware attack of 2017. However, many cyber-attacks are smaller in scale, though they can be just as disruptive to businesses. They include:
- Phishing emails aimed at gaining access to systems by encouraging staff to click on links embedded within them.
- Attackers impersonating their company in order to attack customers and clients.
- Viruses and malware, including ransomware, which can steal data or shut down systems.
Given how many businesses rely on IT to carry out their day-to-day operations, it is vital, therefore, they are protected. This includes having the right IT systems in place to keep their, and their clients and customer data, safe and insurance for if they are attacked.
What does cyber liability insurance cover?
As with all insurance, cyber liability insurance covers different things depending on the level a business chooses. However, for fully comprehensive cover, it should include financial cover for handling:
- Data breaches
- Compensation claims
- Losses and interruptions
- The aftermath and impact of a cyber-attack
- Hardware and system repair and replacement
Ideally, it should also include forensic investigation and specialist IT support.
Buying cyber liability insurance
Companies should opt for comprehensive insurance wherever possible to ensure they are covered for all eventualities. The best way to find this is through an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no obligation, cyber liability insurance quote.
by jqm | Oct 22, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Online, Just Quote Me, Plant and Machinery Insurance, Professional Indemnity Insurance
If a business uses raw materials, parts or components to produce goods, it falls under the heading of manufacturing. This applies whether that business provides those goods in an artisan workshop operated by a sole trader or a factory employing hundreds of workers. And it applies whether those goods are clothes, computers or cars.
As a result, finding manufacturing insurance can be complicated. This is why it’s so important for businesses to get it right. If a business doesn’t get it right, they could find themselves having to cover the cost of lost or stolen goods, repairing or replacing machinery, or compensation claims.
Insurance for manufacturing plant policies
Businesses can buy a single, comprehensive, insurance policy or separate policies. When businesses combine policies they offer full cover for any eventuality. Regardless, insurance cover should include:
- Employers Liability for staff injured while at work.
- Public Liability for customers, visitors or members of the general public injured on the premise.
- Manufacturing or Product Liability if anyone suffers an injury due to their products.
- Building and Contents for the physical, bricks and mortar, building and equipment stored inside.
- Stock and Raw Materials, which aren’t covered by contents insurance.
- Plant and Machinery, which covers repair or replacement of machinery, which can be expensive.
- Business Continuity, which includes the costs of setting up an alternate location or of losses from customers taking their business elsewhere.
Buying insurance for manufacturing plant
Because there are so many different types of manufacturing businesses, it is necessary you choose the policies that work best for you. And the best way to do this is to work with an independent insurance broker such as Just Quote Me. Just Quote Me can find you the best policies at the best price. By taking the time to discuss your specific requirements and getting to know your business, Just Quote Me work hard to find the perfect policy for you. Contact them today on 0800 084 2325 for a free, no-obligation, manufacturing plant insurance quote.
