by jqm | Aug 28, 2018 | Business Insurance, Business Insurance UK, Business Liability Insurance, Public Liability Insurance
Public Liability Insurance
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 18, 2018 | Builders Insurance, Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote, Tradesman's 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
by jqm | Sep 14, 2017 | Business Insurance, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote
Get A Business Insurance Quote Online Today
As specialists in this sector, Just Quote Me asking the very simple question ‘What is business insurance?’ may seem a bit strange but it is a common query from new business owners. What’s more even some experienced owners aren’t entirely sure what it is and why they need it so here we’re looking more closely and fully answering the question: what is business insurance?
Business insurance protects companies against losses suffered in the day to day activities of their business. It is especially important should there be a compensation claim made against your company and it covers a range of different types of insurance usually.
Why do I need Business Insurance?
Most types of insurance are not compulsory. However, you need business insurance if you want your business to be protected against every day risks. It can cover everything from professional mistakes to accidents and theft and damage.
Also, some companies only work with others which have particular types of cover in place. If you want to secure bigger contracts and more clients, it is often prudent to ensure you’re insured. The only type of insurance which is a legal requirement is employers’ liability insurance. This is only the case if you have any staff at all.
However, you may also find that your industry regulatory body only accepts members with certain insurance covers too so investing in business insurance is a sensible move.
What type of Business Insurance Cover do I need?
As mentioned, if you have staff, it will be essential to have an employers’ liability policy in place. It is also common for most business insurance packages to include public liability insurance and also professional indemnity insurance. The latter is a particular good choice if your business deals with advice, client data or intellectual property.
At Just Quote Me we have worked with many businesses over the years. We work to ensure they have the level of cover they need at a price which is suitable for their business. If you would like to find out more and discuss your options, please call us today.
by jqm | May 3, 2017 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance Broker, Zoo Insurance
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.
by jqm | Mar 15, 2017 | Business Insurance, Business Insurance Blog, Business Insurance UK
Bingo has been a popular past time in Britain for many years. While many players have now enjoy the game online, bingo halls still draw in many players every week. Even during economic crises, bingo has remained popular and anyone running a bingo hall has many considerations to keep in mind. With regulatory guidelines, licensing laws and more, it is essential you have bingo hall insurance to protect your business.
What does Bingo Hall Insurance cover?
There are many different aspects you may want to consider for your bingo hall insurance. At Just Quote Me we specialise in providing businesses of all types and sizes. We can help you decide what cover you need for your bingo hall. In addition to some essentials such as buildings insurance and potentially content insurance, you need to consider public liability and employer’s liability insurance. Employer’s liability insurance is a legal requirement for all companies with a single employee or more. Public liability insurance is also a smart choice for most businesses. It ensures you have protection should a third party, such as a customer, make a claim against you after an accident, injury or damage to their property.
Bingo hall insurance can also protect you against unfortunate events such as vandalism or theft of property. Modern bingo halls often have TV screens and other interactive equipment for the benefit of their patrons. This puts them at a higher risk of burglary.
Just Quote Me Bingo Hall Insurance
At Just Quote Me we appreciate and understand the individual risks and problems faced by bingo hall owners. We can help put together a business hall insurance package covering the requirements of your premises and business activities. We will make sure your cover level both satisfies your needs and is at a price which suits your budget. Please get in touch with us today to discuss your business’ needs.
To Compare Bingo Hall Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 28, 2017 | Business Insurance, Business Insurance UK, Pub Insurance
Pub Insurance
Running a pub is a unique experience and it has its own set of challenges. There are many different considerations to keep in mind at any one time but a priority amongst them must be ensuring you have a good level of pub insurance. Specialist pub insurance premiums will incorporate the tailored covers needed for your individual establishment. Different venues require different levels of cover and even different types of cover, which is why Just Quote Me is here to help to organise the right level of pub insurance for your site.
Although there are different requirements in every venue, the following kinds of pub insurance may make up part of your policy:
Public Liability Insurance for Pubs
You may need commercial property insurance as well as public liability insurance for your pub. However, public liability insurance protects your business should a third party or member of the public claim they were injured on your premises or because of it. It will also cover any claims made on the basis of your pub being responsible for damage to a third party’s property.
Employer’s Liability for Pubs
Almost every pub insurance policy will incorporate employer’s liability cover. Even if you only have one part-time staff member, employer’s liability insurance is a legal requirement. It covers you should an employee make a claim against you. This could be due to an accident or injury or damage to their property.
Additional Pub Insurance Cover
You may require temporary or short-term entertainment and events insurance cover throughout the year. This will depend on the types of activity that take place at your pub. If you have specific events and entertainment planned, discuss it before choosing a policy as you may need additional covers. You may also want to consider contents insurance for the fixtures, fittings, equipment and stock in your pub. Pub contents insurance should cover you against a range of risks including storm damage, malicious damage and theft.
Specialist pub insurance gives you peace of mind. It protects your pub so you can get on with the day to day graft of running it. At Just Quote Me we are ready and waiting to help, simply get in touch today.
To Compare Pub Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Landlord Insurance, Local Business Insurance News
Are you a landlord in need of landlords insurance?
If so then check out what is on offer from Just Quote Me today. Just Quote Me is one of the UK’s leading insurance comparison websites and as such it should be your first port of call when you’re looking to find landlords insurance that meets your specific needs.
All to often, landlords purchase generic insurance only to find that it doesn’t provide them with adequate cover when they need it most. If you’re a UK Landlord then visit Just Quote Me today.
When you’re looking to protect your property and your contents, landlords insurance is a necessity. It can cover you against financial losses associated with your rental property and can provide you with much needed peace mind when other people are living in your house or flat.
Our policies cover Buildings Insurance, Landlords Contents Insurance, Property Owners Liability as standard we can also cover rent guarantee, Employers Liability Insurance, cover for residential or commercial properties or a mixture of both, in fact any rental property can be covered via our fantastic quote systems!
Just Quote Me has been a leader in its field for the past 30 years and as such it has built up a robust customer base that continues to grow and expand. To get an instant quote for landlords insurance, simply input your information on the form on the website or call 0800 084 2325 to speak to one of the team.
To Compare Landlord Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Are you a start-up looking to compare public liability insurance for the very first time?
Then it’s important to research your options before jumping in and buying the first policy that you find. Business insurance needs to be tailored to your unique business needs in order to ensure that it’s valid in the event that you need to make a claim.
Far too often, business insurance does not offer the right level of cover for the business in question and this can lead to problems in the event of a claim.
A good idea is to obtain a quote from Staffs company Just Quote Me. The team have 30 years industry knowledge and are best-placed to help you obtain the most relevant insurance policy for your business in Staffordshire or the West Midlands.
Take Back Control
You might assume that all businesses working in the insurance industry are out to ensure that you pay as much as possible for your policy. However, as soon as you get in touch with the team at Just Quote Me you’ll quickly realise that this isn’t the case.
Just Quote Me works hard to present you with quotes for policies that are ideally suited to your business. When you do business with Just Quote Me you can find affordable cover that’s within your budget, without compromising on the level of cover that you need.
To Compare Public Liability Insurance in the West Midlands:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Office Insurance
Have you just started running a new business in Stafford?
Then you’re probably pretty excited right now. The early days of running a business can be thrilling and of course your number one priority will be making money and ensuring that your venture is a thriving success.
However, it’s vital that you insure your office so that it is protected in the event that something goes wrong. Should your office be flooded or be damaged by fire for instance, the right office insurance policy can ensure that you’re fully covered and that you can get back to work as soon as possible.
Choose the Right Office Insurance Policy
When you’re looking for office insurance for your business, don’t simply choose the first policy that you’re offered. All businesses are different and it’s important to select a policy that’s tailored to the unique needs of your business. The world of insurance can be confusing and so its a good idea to get advice from a leading insurance comparison – Just Quote Me.
The Just Quote Me team has over 30 years of industry experience and is best placed to advise you on your options when it comes to buying office insurance for your business. Whether you’re in Staffordshire or the West Midlands, find out more today.
To Compare Office Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance provides cover for your business in the event of any third party claims being made against it, or yourself, for any negligence causing a member of the public to suffer from an injury or illness as a result. This type of insurance also provides your business with cover in the event of damage to any third party’s property.
This type of insurance also provides your business with cover in the event of damage to any third party’s property.
So, in effect, this type of cover protects your business if you were to find yourself in a situation that made your company liable to be sued in the courts. If you’ve arranged the right insurance then your company will have the cover that it needs to reduce its operational risk.
Unfortunately, most business owners often don’t have the time to fully understand public liability insurance and could therefore face paying exorbitant fees for damages should their policy prove to be insufficient for their financial needs. This is why it is important to contact the experts in this field to find out what is included and, just as importantly, what is excluded from any policies.
Why should I arrange Public Liability Insurance?
The most commonly arranged type of cover for small businesses is Public Liability Insurance. This type of protection is also just as important to medium and larger organisations too.
It’s not a legal requirement for businesses to have this cover, however it should be considered as an essential – particularly where members of the public may be interacting with your company. From clients visiting your office, shop or work premises to the potential of dangers at shows and exhibitions, it’s not something that your company should be without.
If you operate from home you may think that you are safe but think again, even home-based businesses need to consider this cover if their home office is ever used as a meeting place for members of the public to attend.
What does Public Liability Insurance cover?
You need this cover, for instance, if you damage third party property when you are carrying out your work, which makes it eminently sensible protection for tradesmen. It is a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
It’s a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
At the time that you are arranging your Public Liability Insurance cover, make sure that you tell your insurer the type of business that you operate. This will more easily help you come to an agreement regarding the right type of policy that is best suited to you and your company. Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million which may surprise many!
Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1 million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million.
Many small business owners tend to think that they are safe simply because they are small! This is not the case at all, without public liability insurance you could lose your income so tread carefully. Just a simple thing like a slip-up over a loose cable, a spilt cup of tea or injury caused by broken glass or door slamming shut in the wind could put paid to your business plans if you are uninsured.
Compare the different policies online
Comparison websites, like Just Quote Me, provide you with the ability to compare various policies and save money whilst, at the same time, allowing you to transparently compare the often vastly different insurance options available to you.
Just enter your details into our simple application form and you will be able to start comparing policies straight away.
In this way you will quickly and easily find the Public Liability Insurance policy and cover that suits your needs most. We are always happy to help so, if you have any questions, then please call to speak with one of our experienced UK based consultants.
To Compare Public Liability Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Compare Public Liability Insurance
Have you recently started a new business in Staffordshire or the West Midlands? Then you’ll need to ensure that you invest in Public Liability Insurance.
This type of insurance is essential, as it covers your business in the event that a customer or member of the public suffers loss or injury as a result of your business activities and made a claim for compensation.
The insurance would cover the compensation as well as any legal expenses. The world of insurance can be a confusing one – especially for those starting a business for the first time. Insurance is unlikely to be your number one priority when you begin trading, however, it’s not something you can ignore for too long.
Many people get quotes for Public Liability Insurance online through Just Quote Me. This established Staffs company provides bespoke business insurance quotes to meet your needs.
Tailored Business Insurance
Every business is unique and that’s why business insurance should never be sold on a ‘one size fits all’ basis. Just Quote Me has been in the business of insurance for many years and understands the need for tailored business insurance policies that are designed to fit a company’s specific needs.
All too often, businesses purchase generic insurance only to find that they’re left without cover when they need it the most.
To Compare Public Liability Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Small Business Insurance, Small Business Insurance Quote
Are you a small business in need of insurance?
Just Quote Me has been providing bespoke small business insurance quotes to businesses throughout the UK for over 30 years, So when you’re looking for insurance that provides you with the cover that you need, look no further than Just Quote Me.
Whether you’re an established business or a new start-up, it’s so important to invest in to right business insurance policy, that meets your specific needs.
Many small business insurance owners feel that their business insurance is an expense that they simply can’t afford or that it is a luxury reserved for more established companies.
This is couldn’t be further from the truth. However long your business has been in existence, business insurance is something that you simply can’t do without and should be incorporated into your budget.
What’s more, when you purchase cover through Just Quote Me, you won’t find yourself paying over the odds. Just Quote Me works with many of the UK’s leading insurers in order to provide you with access to the most affordable insurance to suit your needs.
Whatever your trade or profession contact us today to obtain a fantastic quote.
To Compare Small Business Insurance Quotes:
Go to our online Quote System or call us on 0800 084 2325
