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Do I Need Employers’ Liability Insurance?

Do I Need Employers’ Liability Insurance?

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.

What Is Electrical Contractors Insurance?

What Is Electrical Contractors 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

How To Receive A Business Insurance Quote Online?

How To Receive A Business Insurance Quote Online?

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.

Home Office Insurance

Home 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.

Comparing Business Insurance Quotes

Comparing Business Insurance Quotes

Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?

Look around

Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.

Get a free quote

Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.

What is the Just Quote Me approach?

Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.

Get the basics

Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.

Do you have questions about comparing business insurance quotes?

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

How Much Does Business Insurance Cost?

How Much Does Business Insurance Cost?

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.

How To Find Cheap Business Insurance

How To Find Cheap Business Insurance

Business insurance is essential for all firms, whether small or large. The insurance can help to protect you and your company for losses or damages that may occur. With budgets being tight, is essential for organisations to find cheap business insurance, that still gives the protection and coverage they need. So how can you find cheap business insurance to suit your business requirements?

What business insurance do I need?

Business insurance is often package insurance, explicitly designed for the needs of businesses. It usually covers three core elements; public liability, employer’s liability and professional indemnity. However, it is possible to find specific business insurance to suit your industry. It is also possible to tailor packages to ensure you have the protection you need.

Three main elements of business insurance:

Public liability: If your business damages the property of or causes an injury to a member of the public, then you may face a compensation claim. Insurance helps to protect your business and covers the cost of the claim.

Employer’s liability: This is a legal requirement for businesses who employ staff. The insurance covers to cost of compensation if an employee sues you because of injury, illness and damage as a result of work.

Professional indemnity: This covers you if a customer claims you haven’t fulfilled your duties, damaged their property, reputation or business.

How to find cheap business insurance

The best way to find cheap business insurance is to conduct a comparison search. At Just Quote Me, you can run an online search. This compares quotes from many insurance providers, from the big name brands to the smaller niche services, so we can be sure to find the right policy for you.

Just Quote Me make our comparison tool as user-friendly as possible. As well as finding the cheapest deals, you can also discover the best value for money deals and adapt quotes to suit your needs.

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.

Builders Public Liability Insurance

Builders Public Liability Insurance

Builders Public Liability Insurance – Looking to compare Builders Insurance?

At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes.  You will get some of the best rates and covers available in the UK today!

What Insurance do Builders and Building Companies need?

Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off.  Then it becomes the responsibility of their customer to insure.

Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.

Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.

Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325

Zoo Insurance – Do you have adequate cover?

Zoo Insurance – Do you have adequate cover?

The busiest time of the year for zoos, farms and wildlife businesses is coming up, is your business ready to trade? Zoo insurance or the relevant wildlife or farm insurance for your business helps to guarantee you have a protective buffer against any worst case scenarios.

Many zoos have recently faced closure and there are very close guidelines and regulations to follow in this industry. These considerations plus general business sense have made getting a good level of zoo insurance cover more important than ever before. A compensation claim could be enough to close a struggling business so ensure yours is protected.

What will my Zoo Insurance Cover?

At Just Quote Me we specialise in helping business owners getting the level of cover essential for their individual circumstances, which may change from company to company. Your zoo insurance will depend on many different elements but most policies may include:

  • Public liability: for financial protection against claims made by third parties such as customers
  • Employer’s liability: for financial protections against claims from employees (a legal requirement if you have any employees in your business)
  • Business interruption insurance
  • Livestock insurance
  • Cover for transit of animals

As you can see many of these kinds of cover are very specific and niche. It is important you consider your options carefully. Specialist insurance cover can be expensive. However, when you choose to run a business in a niche area it is unfortunately necessary. Work with an experienced insurance partner like Just Quote Me to make your options easier and clearer. Our knowledgeable team can discuss your zoo insurance options to ensure you get the level of cover required.

Please get in touch today to discuss zoo insurance quotes and any other questions you may have about your cover.