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 | Nov 19, 2019 | Business Insurance, Business Insurance UK, Farm Insurance, Public Liability Insurance
Owning a solar farm is a way to generate a lot of electricity and potentially be self-sustaining as well as being a lucrative investment. However, it’s also the case that when it comes to your solar farm, you need to have the right kind of safeguards in place to protect your assets. Solar farm insurance is a big part of something like this, and it is important for you to consider working with such a system in place.
Why Do You Need Solar Farm Insurance?
So why is it that you need to have Solar Farm Insurance? Well, it’s all about looking after yourself and your assets. Consider that you have a very expensive setup which gathers energy from the sun and uses it to create electricity. If one of those machines develops a fault, you’ll soon experience issues with performance and the amount of power you have.
This could lead to bigger issues such as a loss in revenue.
It’s also quite true that it can be quite expensive for someone to try and repair their damaged equipment. You don’t want to spend a lot of money to replace one or two solar panels when you can get an insurance policy for less that does it for you if they suffer from theft or damage.
Of course, we have a selection of different policies for you to take advantage of, showcasing all of the various options that we can provide for you. We know that every solar farm is different. At Just Quote Me, we want to find you the best possible cover for your specific needs. With a range of policies available from us, you can find as much or as little coverage as your solar farm needs.
Do you have questions about Solar Farm Insurance?
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 | 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 | Aug 13, 2019 | Business Insurance, Business Insurance UK, Insurance Online, Insurance Quote Online, Small Business Insurance, Small Business Insurance Quote
If you are a sole trader, then your business is likely one of the most important things in your life. Insurance is there to protect the things we care about. Sole trader insurance gives you the right cover for your business. You can tailor this insurance to meet your needs. Choosing the right selection of protection gives you the peace of mind that all your hard work is protected and that even if you work alone, someone has your back.
What you can include with Sole Trader Insurance
Public liability insurance is a great starting place for any sole trader who has direct contact with their clients. This provides protection in the event that a member of the public is injured whilst on your premises. It also covers you in the event that you cause damage to someone else’s property whilst in the course of your work.
If part of your business involves providing advice, professional expertise or the handling of personal data then you should consider personal liability insurance. This protects you in the event that you make a mistake and money is required to resolve the situation.
Office insurance can protect you in the case of damages to your premises. Not only can it cover any lost equipment but also loss of earnings.
If you have concerns about cybercrime, then you might be interested in cyber and data protection. If you have any employees, then you will need to have employers liability insurance. Personal accident insurance can protect you in case you are injured and unable to work.
Sole trader insurance is tailored to meet your exact needs. You should make sure that you consider all aspects of your business and that you are fully covered.
Do you have questions about Sole Trader Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
by jqm | Jul 23, 2019 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Quote Online
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.
by jqm | May 27, 2019 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Cyber Liability Insurance, Employers Liability Insurance, Insurance, Just Quote Me, Office Insurance
In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.
Know your exposures:
- Failure to perform required background checks on candidates
- Placing a candidate who does not have the suitable experience or qualities for a role
- Passing a CV to an existing employer or third party without a candidate’s expressed consent
- Vicarious liability arising out of actions of on-hired employees
A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.
The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.
The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.
The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:
- Have professional indemnity insurance
- Keep good records of all your interactions with clients
- Understand your obligations when prospecting and vetting candidates
- Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;
Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.
Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.
Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.
Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.
Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.
Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.
by jqm | Apr 21, 2019 | Business Insurance, Business Insurance UK, Car Insurance
How we can help with your Electric Car Insurance
With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses. For these new ways to power a vehicle you need the right insurance and this is where we can help with your electric car insurance.
How Can Electric Car Insurance Save You Money?
Having an electric car or van can help make significant savings with your insurance. Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van insurance.
Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.
Research into Electric Vehicles
Studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.
Do you have questions about Electric Car And Van Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
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 | Sep 11, 2018 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, 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.
by jqm | Sep 4, 2018 | Business Insurance, Business Insurance UK, Insurance
For any business, it is essential to have the right insurance coverage in place. Moreover, you want to make sure high-quality insurance coverages comes at the best possible price. With this in mind, it is vital for your business to compare business insurance quotes. So, what is the best way for you to compare business insurance quotes? Here we offer our guide on how to interpret the quotes you receive.
The best way to compare business insurance quotes
- Don’t focus solely on the premium
It can be tempting when you compare business insurance quotes to concentrate solely on the price you have to pay for insurance. However, it may sometimes be worthwhile spending a little bit more to receive a greater amount of coverage. Furthermore, you also need to check that the limits of cover are high enough to cover any client contracts you have or potential problems you face.
- Flexibility
As a business grows, you want to make sure that you always have the right insurance to cover your needs, plans and risks. While you do not want to buy new insurance every time there is a change in your business, it is wise to check the flexibility of the policy and the insurance provider. It is wise to ensure your limits have wiggle room in case your business grows. It is also worthwhile checking with the insurance provider to see how it would cost for you to update the policy if you need to.
- Talk to Just Quote Me
While our state-of-the-art comparison engine makes it easy to compare quotes at a glance, our insurance experts are always on hand to help. We will be able to explain any industry jargon to ensure you know the complexities of your policy. Furthermore, we can also assess your needs to make sure you have the right level of cover in place for your business activities and size.
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.
