by jqm | Oct 15, 2019 | Business Insurance, Business Insurance Blog, Commercial Insurance, Farm Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
Renewable Energy Insurance
Last year, renewable energy production in the UK rose to its highest-ever levels. To date, in 2019, it is responsible for almost 40% of all energy production. Large-scale operations such as off-shore wind farms generate much of this energy. However, more and more smaller producers are playing their part in producing renewable energy. All of these require renewable energy insurance.
Farmers and landowners, for example, have begun building wind turbines on their land, while businesses are adding solar panels to their properties. At the same time, specialist companies are setting up focused on areas such as Anaerobic Digestion or Hydroelectric power. While this is all a positive for the planet, it can lead to problems for the companies involved if they don’t have the right insurance.
Types of Renewable Energy Insurance
There are different types of renewable energy, however, all of which need a different type of insurance. These include:
- Anaerobic digestion
- Geothermal
- Micro Hydroelectric
- Solar and PV
- Wind turbines and wind farms.
Different insurance will probably be needed depending on whether the business is in the process or starting up or fully operational.
Renewable Energy Insurance Coverage
In each instance, renewable energy insurance should cover:
- Employers liability for if staff are injured at work
- Public liability for if visitors or other members of the public are injured on-site
- Professional indemnity for any negligence claims
- Poor quality work (from contractors)
- Delays in start-up
- Legal expenses to respond to claims or place claims due to workmanship or delays
- Damage, including fire and theft
- Loss of revenue
- Environmental impairment
Buying renewable energy insurance
Because of the complexities, anyone considering getting involved in renewable energy should speak to an industry professional such as Just Quote Me to ensure they are fully protected. Contact them today on 0800 084 2325 for a free, no-obligation, renewable energy insurance quote.
by jqm | Sep 17, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Insurance Quote Online
If you run your own business then it is precious to you. Getting the right cover is vital to protect your business for when the unforeseen happens. A recruitment agency can have many risks; from making a mistake to a client suffering an injury in your office. Without proper recruitment agency insurance cover, it could spell the end of your business.
What cover does a recruitment agency need?
The exact cover you need will depend on the size and structure of your business. It’s important to discuss all your requirements with an insurance broker, such as Just Quote Me, to make sure you are adequately covered.
You will need professional indemnity insurance as part of your package. This protects you in the event that you make a mistake, such as offering poor advice. This is vital for recruitment agencies.
If you have visitors come to your office, or you make site visits then you will need public indemnity insurance. This provides protection in the event that you injure someone or cause damage in the course of doing your job. For example, if you trip over an expensive piece of equipment on a site visit and it breaks.
If you have employees you will need employer’s liability insurance. This protects you in case one of your employees makes a claim against you for injury or illness. It is a legal requirement to have this.
Along with these essentials, you may need to consider cover for premises, for cyber and data risks and directors and officers insurance. It is the combination of all this cover that will be bundled to give you your recruitment agency insurance.
Are you looking for recruitment agency insurance?
If you need recruitment agency insurance you need to speak to a company that can put together a bundle that gives you the cover you need. Just Quote Me are experienced insurance brokers. They will discuss your business with you, so they understand the cover you need. They can then put together a bundle that gives your recruitment agency the coverage it needs at the best price possible. Contact them today to see what they can do for you.
by jqm | Sep 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Compare Public Liability Insurance Quotes, Pub Insurance
Looking For Late Night Bar Insurance?
Are you a looking for cover for your bar premises?
If you own or manage a late night bar in the UK you will need cover to protect members of the Public at all times whilst on or about your premises.
You will also need to protect them against the possibility of injury or discomfort caused by any products sold by you to them.
This would be covered by our online late night bar Insurance, and there are a number of other covers such as stock, food and frozen food insurance plus beers wines and spirits cover.
We also offer property protection such as buildings insurance or indeed fixtures and fittings cover for which you may be responsible under a tenancy agreement or any other improvements that you personally have paid for to enhance the public’s experience at your premises.
Cover for injuries that occur at your premises
What happens if a customer injures themselves on your premises or alleges that an injury occurred on your premises?
Do you have the correct procedures in place to monitor all slips and trips on your premises?
Do you have a cleaning up process already in place for spills?
Do you have an accident book to report any such injuries and state what action was taken to prevent further injuries taking place?
No win no fee claims on the rise
With the rise of no win no fee the licensed trade has seen the number of claims rise drastically over the recent years as members of the Public have alleged incident where they have injured themselves have actually happened whilst they have attended a licensed venue.
Could be your late night bar be able to provide evidence to defend any such allegation if indeed untrue?
With late licence venues being able to open 24 hours a day then this has created a difference in drinking and socialising habits in the UK and our Insurance policies have changed to cater for this.
Contact us for your late night bar insurance
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 10, 2019 | Business Insurance Blog, Business Insurance Price Comparison Site, Home Insurance, Office Insurance
Working from home is becoming more and more common. While there are many advantages of home-working, there are several extra things that you need to consider if you set up a home office. One of these is whether your current home insurance is sufficient for using your home as an office. If not, you may need to consider home office insurance.
What does home office insurance cover?
The best home office insurance will be tailored to your needs. At the very least, it should cover your equipment and any loss of income in the case of fire or theft. Beyond that, it is going to depend on the specifics of your business.
If you have employees, you will need employer’s liability insurance. It is a legal requirement to have this insurance. It provides you protects in the event that one of your employees makes a claim against you for illness or injury.
If you have visitors coming into your office you should consider having public liability insurance. This covers and legal costs that might arise should someone be injured while on your premises.
If you are an online retailer then you might want to include cover for your online business. Alternatively, if you offer consultancy or advice as part of your business then professional indemnity insurance can cover you in the event that you make a mistake or provide poor advice. If you use your car for business then you may need to upgrade your insurance here as well.
Whatever you need can be bundled into a single policy that is your home office insurance.
Where to find home office insurance
Just Quote Me are online insurance brokers. They can help you find the right policy for your needs. If you aren’t sure precisely what cover you need then your best course of action is to discuss your business and current cover with the experienced brokers at Just Quote Me. They will give you advice about cover and help build a package that offers excellent value cover. Talk to them today to find out what cover you need.
by jqm | Jan 31, 2019 | Business Insurance Blog, Insurance Quote Online
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
by jqm | Jan 17, 2019 | Business Insurance, Business Insurance Blog
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
by jqm | Dec 25, 2018 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance, Insurance
Business insurance is essential for every type of business. It is usually an incredibly flexible policy that you can tailor to suit your business and its unique needs. However, many people forget about business insurance due to the perception that it is expensive. So, how much does business insurance cost?
The cost of Business Insurance
The cost of insurance will depend on the amount of coverage your business needs. As well as this, it depends on the different policies that you want to include in the overall policy. This means that business owners can control the cost of business insurance by building a unique policy with a range of different covers.
One essential aspect of business insurance is employers’ liability insurance. If your business employees any member of staff, then it is a legal requirement to have employers’ liability insurance in place.
Other aspects of the insurance are not a legal requirement but can still be incredibly beneficial include public liability insurance. This provides coverage to third-party individuals such as customers or contractors in the event of an injury or property damage as a result of your business.
Another popular option is to include professional indemnity insurance. This is particularly useful for business that offers advice to customers that could prove to be faulty. If your advice may cause financial loss to your customers, then having this protection means you can pay in the event of a claim against you.
The main factor that will affect the cost is the risk of your business. Small businesses with less risk will pay a much small price. Rather than a large business that comes with a great deal of risk. The best way to determine the cost of business insurance for your needs is to get in touch with Just Quote Me. You can discuss your individual needs and the team will explain the various premium costs depending on what level of cover you would like.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Business Insurance Blog
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.
by jqm | Aug 9, 2018 | Business Insurance, Business Insurance Blog
Solar panels are a much more common sight today than ten years ago. They are used across the UK in commercial and domestic property environments as well as on solar farms, premises dedicated to generating electricity through solar energy. Massed together solar panels can produce huge amounts of electricity and store it effectively. However, if you run one of these businesses it still needs protecting and specialist solar farm insurance offers this protection for your development.
Solar energy has become a key renewable energy source on a global scale. The UK government has committed to generating up to 12% of all power in the country by renewable sources by 2020 and this will include solar as a key player. As the owner or facilitator of solar panels and solar farming premises, you could play a key role in this so keeping your business safe financially is of even higher priority.
What does Solar Farm Insurance cover?
Solar farm insurance is very specific to the individual arrangement and setup of your farm or business but as standard it may include:
- Breakdown cover – should there be a breakdown in your panels functioning. This may also incorporate replacement fees.
- Loss of revenue cover – this provides financial cover should you lose revenue or agreed tariff levels due to damage or theft of panels
- All Risks Cover – this overreaching type of insurance protects your assets against fire, storm, theft, malicious damage and accidental damage
- Public Liability Insurance: to protect your business should it cause damage or injury to a third party of their property
- Employers’ liability insurance: essential if you have any staff at all working for you business. It protects you against accidents or injuries to staff members.
Solar Farm Insurance for Varied Projects
As well as offering solar farm insurance, there are options to insure other solar developments include school and local authority projects, domestic developments and much more. As solar power becomes more mainstream, so do the options for protecting businesses involved in the sector.
Contact Just Quote Me today to discuss your solar farm insurance options.
by jqm | Jul 12, 2018 | Business Insurance, Business Insurance Blog
Small business insurance is a valuable protection for your business. It helps to support your business financially in the event of claims for losses or damages. It can help keep businesses afloat or get them back up and running. Some insurance policies will provide cover when a business has to close unexpectedly and can be crucial in ensuring you don’t have to shut up shop permanently.
Some types of small business insurance may be mandatory dependent on your profession and also simply by law. Employer’s liability insurance, for example, is not an option if you have any employees and you legally must have this kind of policy in place. Other types of cover may be optional, but they can protect your business in the event of:
- Unexpected business interruption
- Damage to your property or stock
- Claims made by customers or other third parties
Do I need Specialist Small Business Insurance?
There are general business insurance policies on the market, but most insurers have moved on to provide more specific options for certain types of business. The small business insurance you need will obviously differ whether you run a café or a marketing business. Considerations such as your business premises are relevant and individual risk assessments are key to ascertaining the insurance you need.
You need to assess the risks that your business faces and choose the right insurance based on that. Small businesses that provide advice and professional expertise such as accountants will certainly want to consider professional indemnity insurance, whereas if you run your own small bakery, this is less important, but you will need to look at employer’s liability to abide with the law should you employ any staff.
Working from home does not mean you do not need small business insurance. You should still consider protecting your business and ensuring you have a safeguard in the event of unexpected events.
Small Business Insurance with Just Quote Me
We work with many businesses on a daily basis helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you a range of options. Contact us today to look more closely at your small business insurance options.
by jqm | Jun 21, 2018 | Business Insurance Blog
People who work from home or run their own home businesses reap many benefits. The lure of working from your own space without interruption attracts many more people each year. Your commute is no more than a few steps and you can be working productively at hours of your choosing. Home businesses are still professional outfits and should be treated as such. This means considering the legal implications of your work and the financial impact they could have. Home business insurance is an investment all homeworkers should consider.
Do you really need Home Business Insurance?
Whether you run a company from home or are self-employed you are responsible for all the equipment you use for your business at home. Home business insurance can provide cover for your business equipment. If you work from home, you need to let your home and contents insurers know too as it can impact on that policy. This makes it even more essential you look at specialise home business insurance for your business’ assets.
Home Business Insurance Cover
Most home business insurance policies will offer cover for equipment loss and damage, but you may want to consider other elements too. When creating your policy you should be able to pick and choose the elements which best suit your business and this could incorporate:
- Public liability insurance: even if you work from home you might need cover should a member of the public claim against your home business for injury or damage.
- Employers’ liability insurance: some people who work from home take on employees. This means employers’ liability insurance is a legal requirement.
- Accidental damage cover: this allows for quick replacement of damaged equipment and may be necessary if you rely on particular equipment to work and fulfil client orders.
- Commercial car insurance: while your business is based at home you may travel to visit clients. Commercial car insurance is necessary in this instance.
At Just Quote Me we work with businesses of all shapes and sizes. This includes many self-employed people and those running businesses from home. Contact us today to discuss your insurance requirements.
by jqm | May 17, 2018 | Business Insurance, Business Insurance Blog
As a very specific type of business, recruitment agencies require specific and tailored insurance. Recruitment agency insurance is designed to cover the specific risks involved in this kind of business. As a specialist kind of insurance you can expect the insurance companies offering quotes to have in-depth knowledge of the particular risks facing the industry.
Recruitment agency insurance often needs to cover more than the risk of negligence claims that come as a result of accident of injury. We’ll look at this in more depth below.
Protecting your Advice and Guidance with Recruitment Agency Insurance
Professional indemnity insurance is one of the most important elements of a recruitment agency insurance policy. This type of cover will provide financial support should your business need to defend allegations of professional negligence. This could include things such as advice and guidance given when supporting clients into employment. It covers the cost of the damages should you be unsuccessful, as well as your legal costs.
Essential Cover for Recruitment Businesses
Recruitment agencies should also consider other types of insurance for their business. Cover such as public liability insurance is covered in almost all policies. You may also want to consider more specific covers such as directors’ insurance or office insurance, dependent on the size of the business.
Unless your recruitment agency operates independently with you as the only employee then you will need employers’ liability insurance to comply with UK law. Employers’ liability insurance is mandatory for all businesses which employee one person or more. It provides cover should an employee or former employee make a claim against your business for accident, injury or illness caused by their work for you.
Recruitment Agency Insurance with Just Quote Me
Professional and experienced, the Just Quote Me team works with businesses of all sizes, from all backgrounds. We help recruitment businesses find the right tailored insurance quotes for their needs and provide a range of options where possible, allowing business owners to make a considered decision. You can find out more and discuss your specific business needs with our team via our contact page.
