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Insurance For Ground Workers: What You Need To Know

Insurance For Ground Workers: What You Need To Know

For ground worker contractors, the job is busy, and there are many tasks to complete to enable a successful construction project. From clearing land to redirecting waterways, ground workers have many responsibilities which can come with a great deal of risk. Fortunately, with insurance for ground workers, you can mitigate these risks and offer your clients and the public complete peace of mind.

What Is Insurance For Ground Workers?

Ground worker insurance helps to protect your livelihood should anything adverse happen on the job or with your projects.

Insurance for ground workers includes a range of policies. However, perhaps the one that receives the most attention is public liability cover. Public liability insurance for ground workers ensures that you have protection for any injuries or property damage that may occur during the job.

For example, insurance would protect you from claims if a member of the public trips over your equipment or damages their vehicle as a result of your work, the public liability can help to compensate the affected party.

Furthermore, ground worker public liability insurance can be tailored to suit your specific requirements. For example, it is possible to receive insurance for varying depths, depending on your needs. You can tailor your insurance for depths of up to five metres, to ensure you receive full protection for all the projects you undertake.

Of course, insurance for ground workers covers more than just public liability. You can build your insurance package to cover all of the aspects you need. This may include employer’s liability, variable depth cover, transport coverage, and so much more.

With the right insurance coverage, you can make sure that no matter what may go wrong with the business, you can reduce the impact of expensive repercussions. At Just Quote Me, we’ll work hard to understand precisely what your business needs. Then, we’ll tailor your insurance package to ensure you have peace of mind for every eventuality.

Are You Looking For A Ground Workers Insurance Quote?

Get in touch with the Just Quote Me team today to talk through your requirements. Alternatively, receive your FREE quote by filling in our Quick Quote Form.

Small Business Insurance Quote

Small Business Insurance Quote

Are you looking for a Small Business Insurance Quote?

Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers.  We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade.  So if you are a small to medium business or SME – contact Just Quote Me to see how we can help.

You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.

Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.

How we can help with your small business insurance

Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.

Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.

Get your small business insurance quote today

For expert small business insurance advice call Just Quote Me FREE  on 0800 084 2325 or by fill out our Online Quote System.

Commercial & Industrial Insurance

Commercial & Industrial Insurance

No matter your business or industry, having the right insurance in place is essential. Commercial & industrial insurance is a type of cover that protects businesses from loss.

Because every business is different, the insurance policies they need is also varied, and it is important that you get the right policy for your company. An office-based business is going to have different requirements to a factory. Consequently, insurance policies need to reflect this. Here at Just Quote Me, we offer commercial & industrial insurance options for a range of businesses.

Commercial & Industrial Insurance Options

When it comes to business insurance, there are various options available. The type of insurance that you need will depend on your industry and operations. Most commercial & industrial insurance policies will include;

  • Public Liability Insurance: This covers your business for claims made against you by a visitor or client. This could be because of injury, loss or damage to property in your business premises.
  • Employers Liability Insurance: Any company with employees must have employer’s liability insurance. This covers you if an employee becomes ill or injured while working for you.
  • Professional Indemnity Insurance: Sometimes referred to as professional liability insurance. This cover is for legal costs and expenses that could arise if a client alleges that your business provided inadequate services or advice that lead to them losing money.
  • Business Buildings Insurance: Buildings insurance will cover your physical buildings of the business, such as a factory or office.
  • Business Contents Insurance: Damage to contents caused by fire, theft or flooding can be covered by contents insurance.

Are You Looking For Commercial & Industrial Insurance?

There are many other options available for commercial and industrial insurance, such as equipment cover, stock insurance and business interruption cover. For more information on insurance for your business, and to discuss your requirements, contact our team or fill out our Quick Quote Form.

About Warehouse Insurance Cover

About Warehouse Insurance Cover

Running a warehouse is no easy task. It takes dedication, hard work and a significant investment in both time and resources. Like with many businesses, an incident or accident could threaten your company, so insurance is vital. Because warehouses have their own unique risks and opportunities, specialist warehouse insurance cover is often required.

Warehouse insurance cover plays a vital role in protecting the business you have worked so hard for. Choosing warehouse insurance can be confusing, and getting the right type of insurance will mean you have the right coverage.

Types Of Warehouse Insurance Cover

When it comes to insuring a warehouse business, there are various cover options that need to be considered. The type of cover that you need will depend on your unique business. Some of the most popular options for warehouse cover include;

  • Employer’s Liability Insurance: Most businesses have a legal requirement to have employer’s liability insurance in place because it protects their staff. This is not unique to warehouse insurance but is a must-have if your company has employees.
  • Public Liability Insurance: If anyone who enters your warehouse believes they have suffered any kind of loss, injury or damage to property at your business, then public liability will protect you. This could include suppliers delivering their stock or a visitor who slipped on your warehouse floor.
  • Contents Insurance: The contents of your warehouse are often the most important part of your business, and so need proper protection. Contents insurance will cover your stock from flood fire or vandalism.
  • Buildings Insurance: Your buildings are essential for the operation of your warehouse and buildings insurance will cover you should anything happen.
  • Transit Insurance: Some warehouse insurance policies include cover for your goods while in transit. This can protect them should anything happen, either with your own business or in transit by a courier.
  • Equipment Breakdown Insurance: Warehouse machinery could become affected by mechanical or electrical breakdown. This cover can protect your business should this happen.

 

Are You Looking For Warehouse Insurance?

For more information on finding warehouse insurance cover from Just Quote Me, or to receive a fast, free quote, please fill out our Quick Quote Form.

Why Do You Need Wind Farm Insurance?

Why Do You Need Wind Farm Insurance?

Wind farm insurance might seem unnecessary, but when you are working in a specialist industry, it is vital that you have the correct policy in place. You need an insurance policy that understands your business and your unique requirements.

Being a supplier of renewable energy comes with many risks that other businesses don’t have. Wind farm insurance means that if anything should happen, then you will have the right cover in place.

Wind Farm Insurance Explained

Whether you are a large wind farm or a smaller scale project, having appropriate insurance is of the utmost importance. Wind farm insurance can cover your business from various risks and mishaps, including;

  • Construction risks
  • Transit risks
  • Material damage
  • Engineering issues such as machinery breakdown
  • Advanced loss of revenue due to machinery or material damage
  • Delays in start-up costs
  • Employers and public liability insurance
  • Lack of wind bespoke packages

Wind farm and wind turbine insurance can cover a wide range of wind turbine models, including all major brands. No matter your business size, industry or set up, our specialist insurance products are here to help.

Wind Farm Insurance From Just Quote Me

Here at Just Quote Me, we are experts in finding the best insurance policies for businesses of all shapes and sizes. We work hard to compare all the wind farm insurance options available to you and so can help you get the best price.

Our team of specialists can help you to find insurance that will cover you from initial installation phases right through to being fully operational. We can find insurance policies for single turbines or multi-site operations, so we can meet your unique needs. Because wind farm policies are still fairly new to the market, we can assist you with everything you need in a stress-free and simple way. Contact the team today or fill out the Quick Quote Form.

How To Compare Business Insurance Quotes Online

How To Compare Business Insurance Quotes Online

Looking to compare business insurance quotes online can be tricky and time-consuming. Business owners can go to individual insurance sites (though this means filling in the same information again and again) or use comparison sites. However, these don’t always produce the best quotes. All is not lost, however. There are sites out there that help businesses get the right policy for them. Here’s what to look for to make sure this happens.

1.    Expertise

Most comparison sites aren’t insurance experts. They use algorithms to produce quotes, which are often much lower than the final price. Therefore, look for sites built by insurance experts. That way, you’ll know you’re getting good advice as well as a good price.

2.    Contact

With comparison sites, there is rarely anyone ‘real’ to talk to if you have a question. Insurance companies offer help on the phone but can only answer questions on their policies. The best sites are those linked to brokers who can answer your questions as well as offer online quotes.

3.    Partners

You can never be sure with a comparison site who their partners are. This means you can get a good price but be left with additional costs when the cover you receive isn’t enough. Choose comparison sites that clearly list their partners. And make sure those partners are industry leaders.

4.    Reputation

Reputation is important. It means a company provides an excellent service. Look for sites that aren’t afraid to post their reviews on their site or who work with review sites such as reviews.co.uk. In addition, look for companies registered with industry bodies such as the British Insurance Brokers’ Association.

Where to compare business insurance quotes online

When you want to compare business insurance quotes online, Just Quote Me are a great example of a site that works well and a company that’s working for you. They have easy to understand information on a range of policies and experts available at the end of the phone. To get a competitive business insurance quote today, click here to fill out our Quick Quote Form.

Do I Need Working At Home Insurance?

Do I Need Working At Home Insurance?

More and more people are beginning to choose flexible working and working from home. Because of this, many people are wondering what working at home insurance is and if they need it? Whether you are new to working from home or have been using your home as an office for a while, having the right cover is important.

Does Working From Home Affect My Home Insurance?

Some home insurance policies might not cover you if you are working from home, and so it is worth checking. Sometimes, office equipment may not be covered, and client visits can be seen as an insurance risk. Home insurance policies are usually designed for domestic use only. Should you need to make a claim when working from home, then you might not be covered.

What Is Working At Home Insurance?

It is possible to get specific insurance to cover working from home. This type of policy will cover business use in the home. It is sometimes available as an add-on to home insurance policies. Working at home insurance will vary depending on your occupation. For example, if you are running a cooking business from your home, there are more risks than someone working part-time at a computer.

Insurance providers will need information on your job and what it involves so that they can provide adequate cover. Anyone who has clients visiting their property for business reasons will also require third party liability which is sometimes included in working at home policies. This will provide cover should someone injure themselves or damage their possessions in your home.

Are You Looking For Working At Home Insurance?

For more information on working from home insurance, and to find out if it could benefit you, get in touch with our team to receive your free quote. At Just Quote Me, we are experts in finding the right insurance policies to suit your individual requirements.

What Is Pandemic Business Interruption Insurance?

What Is Pandemic Business Interruption Insurance?

Many organisations with business interruption insurance are looking to their policies for cover during the Coronavirus pandemic. The majority of these policies do not cover for pandemics, and so businesses can’t claim for losses. Most business interruption insurance policies cover the costs of physical damage, such as fire or floods. For cover because of a pandemic, you may require a specific pandemic business interruption insurance policy.

A lot of insurance providers offer this cover as an additional add-on or extra to existing business interruption policies.

Pandemic Business Interruption Insurance Explained

In most cases, business interruption insurance covers losses caused by physical damage to a business. For example, if a business has to close because of fire damage, there would not be cover for the loss of business. Most insurers do not generally include cover for the loss of business because of a pandemic.

You can purchase pandemic business interruption insurance separately or as an add-on to existing policies. This cover is sometimes known as cover for infectious diseases.

Pandemic business interruption insurance needs considering with caution, as it will not cover all situations. Some policies will only cover if a disease directly impacts a specific business, and therefore, doesn’t include closure because of a global pandemic. When buying pandemic business interruption insurance, it is essential to fully understand the terms and conditions. While you cannot predict the effects of a pandemic, it is worthwhile having protection in place to cover all possibilities.

Receive Your FREE Pandemic Business Insurance Quote Today

Investing in business interruption insurance with pandemic cover is a great way to protect your business from many risks. For free quotes and more information on this cover, get in touch with our team of experts today. We can discuss your unique requirements to help determine the best insurance policy for your needs.

Pandemic Insurance: A Mini Guide

Pandemic Insurance: A Mini Guide

The Coronavirus pandemic has left many business owners looking to their insurance policies to see if they are covered. Because of the conditions of most business insurance agreements, many do not cover the impact of a pandemic. Businesses often need to have a specific pandemic insurance clause in their policies, or a standalone policy to protect from this.

If you are wondering what pandemic insurance is and if it could benefit your business, then read on for our mini-guide.

What Is Pandemic Insurance?

The majority of UK businesses don’t currently have cover for pandemics in place. In the wake of the Coronavirus, insurance coverage is causing problems for many companies. It also highlights a clear gap in policies. Pandemic insurance is a specific policy which covers if losses should occur because of a pandemic. This type of insurance will look different depending on the business type.

Events and venues may have insurance coverage for cancellations and postponements. Similarly, retail and hospitality could receive protection for closures and loss of earnings. When purchasing pandemic insurance, it is vital to look at the terms and conditions closely. This is because the level of cover and applicable situations can vary significantly between insurance providers and policies.

Do I Need Cover For Pandemics?

An insurance policy which covers for pandemics is a relatively niche product, and so many businesses haven’t invested in it previously. The Coronavirus pandemic has meant many companies are now seeing the value in this cover.

If you own a business that could in any way be affected by a crisis such as Coronavirus, then insurance is worthwhile. This includes all industries and business sizes, and the type of cover might need to be tailored to your business needs.

Are You Looking For Pandemic Insurance?

Here at Just Quote Me, we are specialists in finding the right insurance policies for you. To discuss your pandemic insurance needs, and get a free, no-obligation quote, get in touch with our team today.

Who Needs Employers’ Liability Insurance?

Who Needs Employers’ Liability Insurance?

Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.

What Is Employers’ Liability Insurance?

This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.

Do I Need Employers’ Liability Insurance?

Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.

How Much Employers’ Liability Insurance Do I Need?

The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.

Insurance From Just Quote Me

Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.

Home Business Insurance Explained

Home Business Insurance Explained

Running a business from home is becoming increasingly popular. Because there is no expensive office space, no commuting and flexible hours, this way of working is on the rise. Even working in the comfort of your own home, there are some legal requirements to follow. Having the correct home business insurance in place is vital, but what cover do you really need?

Professional Liability Insurance

Sometimes known as professional indemnity insurance, this cover is not always a legal requirement but often worth considering. It’s a type of home business insurance that will protect you if you make a mistake or provide inadequate service. Because industries such as accountants, IT professionals and designers deal primarily with skills and knowledge, this insurance is good to have. Some clients may only agree to work with businesses that have professional liability insurance in place.

Public Liability Insurance

This insurance will protect you if a client suffers damage to their property or injury because of your business. It will cover the legal costs that could be incurred if a claim is made against you. When you work from home, this is necessary if you have clients come to you for meetings or consultations. Also, if you regularly visit clients’ homes, then you will require this policy.

Home Insurance

Home insurance is often broken down into buildings insurance and contents insurance. Building insurance covers damage to the property itself, and it is likely you will already have this because it’s part of a home insurance package. If you are using your home as office space, you may need to check your existing policy as some won’t cover for this. Contents insurance covers the possessions within your property. Again, it is likely you already have this, but you may need to amend this to cover business devices.

Where To Get Home Business Insurance

If you are confused about which types of insurance you will need for your home business, then our expert team can help. At Just Quote Me, we are specialists in insurance and can help you find the best options for your unique needs. Find out how much your cover will be by filling out our free quick quote form.

When Do You Need Professional Indemnity Insurance?

When Do You Need Professional Indemnity Insurance?

Many businesses can benefit from having professional indemnity insurance. Sometimes referred to as professional liability insurance, it’s essential to understand what this covers before deciding if you need it.

This type of insurance provides protection for businesses that offer advice or a professional service. It will cover any legal costs and expenses that are incurred for your defence. As well as this, it will include cover for damage or costs that are awarded if a claim is made against you. Because providing advice or services inadequately could lead to a client losing business, they could have the right to take legal action.

Who Needs To Have Professional Indemnity Insurance?

There are no legal requirements for any business to hold this type of insurance. Although some regulators and professional bodies require businesses to hold a policy. This is because they are endorsing you as a qualified professional and want to ensure you are properly protected. This is particularly common in architecture, accountancy and chartered surveying. Some clients will also require you to have this cover, so as to protect themselves should things go wrong.

Many businesses choose to take out professional indemnity insurance even when they aren’t required to. This is because it can reassure potential clients and also offers some security. Any business that gives advice, handles client data or provides a professional service should consider this insurance.

Choosing Professional Indemnity Insurance

Every business is unique, and so the same goes for their insurance requirements. This type of cover is not a one-size-fits-all product, and it’s important to get the right option for you.

Here at Just Quote Me, we are specialists in finding the perfect insurance solutions for every need. Because we take time to get to know your business and requirements, we can find you the best deal. For more information, get in touch with our team of experts. Alternatively, fill out our free quick quote form to find the best price for your insurance needs.