by jqm | Feb 8, 2017 | Business Insurance, Business Insurance Blog, Business Insurance UK, Local Business Insurance News, Professional Indemnity Insurance
Professional indemnity insurance is a special form of business insurance cover you may find to be completely invaluable. It is a good idea if your firm provides professional advice, help and expertise for other businesses. This applies too for individuals providing such a service.
PI insurance is also known as indemnity cover and can protect you should a client believe you have been negligent costing them financially or in time lost.
Do you need indemnity insurance?
A good question but if you offer a professional service which involves advice or handling data or intellectual property that belongs to a client/business then you could benefit from taking out such indemnity insurance cover.
Should you be subject to a claim, without PI insurance cover, then you could find that you have to pay out the sort of amounts of money that could destroy any business in the worst case.
What protection does professional indemnity insurance provide?
Professional indemnity insurance is will cover compensation to a claimant, including things such as loss of earnings, future loss of earnings and even the cost of repairing any damage caused to personal property such as clothes, laptops, briefcases and documents.
You should look for cover against any potential damages that could be awarded to any claimant, including legal costs which can easily rack up to large amounts of money. You may also need cover for the claimant’s legal costs should you be found to be at fault, again, these can amount to a tidy sum!
Before you do take out professional indemnity insurance cover, make sure that what you were hoping to be covered under the policy is actually included as cover can differ!
Check out all of the terms and conditions thoroughly. Identify any areas where you or your organisation could be especially vulnerable to any claim.
Helpful further information
The actual level of insurance cover that you need will depend on your businesses activities and the potential risk that is attached to them. These can vary widely which is why companies such as us can help with the nitty gritty details.
Small businesses need to consider protecting themselves with this cover, especially young start-up business, with no cash-flow or financial resources to fall back on.
The actual types of risks that your organisation could be exposed to include, but are not just limited to the following:
Intellectual property disputes
Dishonesty
Loss of money
Loss of documents or data
Negligence
Confidentiality breaches
Defamation
Copyright breaches
Loss of documents
Loss of IP rights
Think carefully about your level of acceptable risk before making any quick decisions.
by jqm | Feb 7, 2017 | Business Insurance, Business Insurance UK, Landlord Insurance, Local Business Insurance News
Landlord Insurance
Landlords have a touch enough job as it is, often holding down a nine to five career whilst, at the same time, doing their best to keep on top of their sometimes unruly tenants!
The last thing that any owner letting property needs is to have a problem with one of their properties that then requires expensive repairs or other remediation works.
This would only be made worse for them if they thought they had insurance in place to cover the risk but then found out that, due to a policy exclusion or similar wording, they were not covered!
It can be an expensive lesson to learn for some property owners!
Such a situation can be a hard and expensive lesson to learn for some Landlords so, to help them avoid an unsuccessful insurance claim in the future, we thought it would be prudent to share the major issues we know of, that may result in such a claim being denied!
So then, without further ado, here are our top five reasons that result in Landlords Insurance Claims not being settled.
- Your tenant sublets your property
In the case where your property is sub-let by your primary tenant renting out accommodation to sub-tenants your landlord insurance could be void. This means that you would not be covered if you were to make an insurance claim.
This means effectively that, in this type of case, even though you have been accepted for cover, the policy exclusions will mean that you are still not covered by your insurance provider.
- You have an unoccupied property
Another policy exclusion would be one that has a clause stating, for instance, that you are not covered if your property remains unoccupied for more than 45 days. This period of time can of course vary depending on the provider. If you have gaps between your properties tenancies due to your tenant not being able to move in for a month or two then you need to consider this important factor carefully.
- You have an unusual property
You will often find that when you first sign-up to purchase a policy, that you will often have to agree that your rental property is of standard construction. This refers to the fact that normally, it would be constructed from brick or stone walls under a standard tiled or slate roof.
In those unusual cases where you have a property that was built with a timber frame, pre-fabricated sections, or perhaps has a concrete construction, then you may not be able to agree to such a clause.
You must tread carefully because, should you not have a standard type of construction that you have already agreed to, then you will not be covered. Honesty is always the best policy when it comes to arranging cover.
- Be careful if you are performing major renovation work
Some insurance policies will have a limit on the amount of renovation work that you can perform whilst still maintaining your policy cover. Reputable companies policies will, for instance, cover a property that’s undergoing renovation work up to say a total of £250,000. Some may be higher than this figure and some may be lower, always be sure to check the small print to see what it includes and excludes.
- Do you let a flat-roofed property?
When you are arranging your cover, you may be asked if a certain amount, or percentage, of your roof, is flat. This can be a problem when obtaining insurance, particularly for those properties with a completely flat roof.
The other thing to bear in mind is that some roofs will have varying types of construction. If in any doubt you should discuss these matters with your insurance provider to help mitigate your own risk.
Make sure that you have got it all covered!
It is, as we said before, important to be as honest as possible disclosing anything that you think is pertinent to your cover policy. If you do not do this, this is when you may have trouble when you need to be getting a claim paid out.
We are always ready here at Just Quote Me, on hand to answer any of your Landlords Insurance related questions.
Compare Landlord Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 7, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Office Insurance
Are you looking for Office Insurance Quote Online?
As a business, your office will be one of your most important assets. This makes it vital that it’s properly protected.
Tailored office insurance can ensure that you’re covered in the event that something should happen to it i.e. a break in or a fire. Having the right insurance in place means that you can get back to work as soon as possible.
Most business owners know that they need office insurance but many are unsure about how to go about obtaining the right cover to meet their needs. A good idea is to get a quote from Stafford company Just Quote Me – the UK’s premier insurance comparison website for businesses in Staffordshire and the West Midlands.
Quick, Quality Cover Starting a new business can be exciting, however, it’s important to remember to purchase office insurance before you begin trading.
To get an Office Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 7, 2017 | Business Insurance, Business Insurance Blog, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance
Looking to compare Business Insurance quotes online?
Compare Business Insurance Online with Just Quote Me – our Small Business Insurance Online quote and Buy facility is exclusive to Just Quote Me and within just a few minutes you can have your instant online Business Insurance Quote for you to compare.
Our quotes will help you to make an informed decision – should you still require further advice then one of Just Quote Me Business Insurance Experts will call you at a time suitable for you to discuss the small print other providers seem to brush over or indeed not discuss with you.
Just Quote Me are experienced Insurance Brokers and with over 30 years Industry expertise we can provide bespoke covers for any business in the UK and also advise on what covers are needed for New Company Business Insurance and also we offer a free service where our experts will check your current Insurance and advise where there are any missing covers or hidden clauses or excesses and it’s all free to use.
So many policies are bought as a quick fix just to obtain the correct paperwork for people to gain access to properties they want to work on but when a claim arises its then and only then they start to fear the covers they have are not correct and they panic is the policy going to pay out, with our experts we make sure you never have to worry about this again after all we are professional Insurance Brokers not merely a comparison site we make sure you are fully aware of the pitfalls of buying online are removed and you are fully aware of what your Business Insurance is covering.
To Compare Business Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 1, 2017 | Business Insurance, Landlord Insurance, Local Business Insurance News
Landlord Insurance Quotes
If you are a landlord then you will most likely already know that you need to cover the risk of any potential loss resulting from your property letting activities. The problem is that there are a few barriers to obtaining this type of cover which you may or may not be aware of already. At Just Quote Me we can help you Compare Landlord Insurance Quotes Online.
Being turned down for landlord insurance is really not what you want to hear when you are a busy property owner with many other things to worry about! We have an online quote system for all your landlord insurance quotes – so why not try it out today or give us a call for FREE on 0800 084 2325.
Looking for Landlord Insurance but been refused insurance cover before? See some of the reasons below…
The most obvious reason for being refused insurance will often be the simple fact that you were refused insurance in the past.
For businesses providing cover, this is of course a simple way for them to mitigate their risk, filtering out those potential new customers that have been deemed to be too high a risk in the past!
Should this be the case with your property then check the small print of the policy with your provider. You need to be certain that you do have insurance in place, whatever the case may be.
Is your rental property secure from break-ins?
You will often be asked when you are arranging property insurance about the type of locks that you have got installed in your front door. You may also be asked to guarantee that all of your properties windows can be locked with a key. Naturally, it is most sensible to fit locks to your doors and windows that comply with the highest security standards, for peace of mind if nothing else.
The thing is, you may not know that your insurance request may be declined if you do not comply with the relevant security standard that the Insurance provider has chosen to adhere to.
Again, check the policy detail to see exactly what the requirements actually are, do not just sign-up blindly to anything!
You should have put formal tenancy agreements in place
In this day and age, the vast majority of insurance companies will require their landlord customers to have signed formal tenancy agreements with their rental properties tenants. If you do not already have tenancy agreements in place then, again, check with your provider.
In certain cases, cover may still be possible, for example if you are renting to family or friends, but so check first.
Declared bankrupt or have a Credit history with CCJ’s (County Court Judgement’s)?
Should you have been declared bankrupt or had any CCJ’s issued against you, then you may find that it is not possible to arrange landlord cover. This however depends on the cover provider. It is still possible to arrange a policy. If in doubt, contact us today and we will explain exactly what is possible.
Still a little confused about arranging Landlord cover?
So there you have it, several examples of the sometimes unexpected issues that can crop up and get in the way of you being able to arrange the cover that you need in order to cover the risks that you face as a property owner letting out their accommodation.
We will always go the extra mile to make sure that you obtain the cover that you need. Simply get in touch with our friendly team at Just Quote Me and let us show you how we are different!
To get a FREE no obligation Landlord Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 23, 2017 | Business Insurance, Business Insurance Blog, Tradesman's Liability Insurance
Tradesman’s Liability Insurance is available from Just Quote Me
Just Quote Me offers Tradesmen the ability to compare prices from various Insurers for Tradesman’s Public Liability and Tradesman’s Employers Liability. We have the added benefit of adding tools cover and Contractors All Risks Insurance if required.
There are also various sums Insured from £1m to £5m as standard and then higher limits are available on request.
As we know there are vastly different types of Tradesman in the UK from one man bands to Multi national organisations Employing thousands of employees. We can offer superb bespoke covers for all of them, some obvious covers required would be Public Liability Insurance and Employers Liability Insurance. We then have the option to add your tools to the policy whilst you are working away from your home or business premises, this can be invaluable as a Tradesman’s tools are his or her life blood, if they are stolen or damaged beyond repair more than often the replacement costs can be expensive, as they may have be added to year on year and often replacements can run into thousands of pounds. This is where tools cover can be a must for Tradesman to Insure against possible total loss or theft.
Contractors All Risks Insurance can be a more complex cover, and our team of experts are on hand to advise clients of what exactly this cover is, and what sections each unique risk may need if not all sections available.
Contractors Insurance can cover various things such as your materials being used or in use during a contract, the contract value itself, theft of tools and or work in progress which can include materials already fixed to the fabric of a premises but still being worked upon, after all until a job is signed off to your customer the materials in trade are your responsibility for Insurance purposes, as is own Plant and Machinery, Hired In, or Hired Out Plant can also be included under this particular insurance cover.
What ever covers you need we at Just Quote Me Ltd will be able to tailor make a policy to suit your demands and needs.
To get a FREE no obligation Tradesman’s Liability Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 22, 2017 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online
Compare Small Business Insurance Online
A new facility is now available for all Small Businesses owners in the UK, Just Quote Me have a new website quote and buy facility which caters for any Small Businesses needing Insurances where they can visit and Compare in seconds the best Insurance prices for their exact Business activities.
“Our Quote and Buy Small Business Insurance comparison site is the latest and one of the most Innovative systems in the UK today” said Oliver Roberts Managing Director of Just Quote, we want to combine the opportunity for Small Business Owners in the UK to get their own quotations online but then we as Professional Insurance Brokers will arrange to call the Business Owners and at our expense and spend quality time to explain any potential hidden warranties or clauses that the policy may contain this then not only reassures our clients that they have indeed got the best price available in the UK today but also they can adhere to the small print and therefore any potential claim will be paid not repudiated!”
To get a FREE no obligation Small Business Insurance Online quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 19, 2017 | Business Insurance, Insurance Broker, Insurance Online, Local Business Insurance News
Looking for the Top Insurance Brokers in the West Midlands?
Insurance does not have to be expensive in order to be efficient, so if you’re looking for affordable cover that won’t break the bank, get in touch with Just Quote Me.
Just Quote Me have years of experience behind them when it comes to offering insurance to UK customers and are flexible enough to offer policies that are perfectly matched to your needs and requirements. There is no single policy that can fit all businesses, so Just Quote Me strive to deliver packages that suit each business and domestic customer down to the ground. This means that no-one needs to pay for anything that they don’t need.
Policies That Pay Out
The team at Just Quote Me have been in the insurance trade for years and have worked with a wide array of customers to deliver policies and customer service that surpasses all expectations.
Unlike some of our competitors, we work hard to ensure that payouts are made whenever you have a claim – and we explain each and every policy to you in depth too, preventing you from being tripped up by small print and clauses.
Why not get in touch today if you’re looking for the top insurance brokers in Staffs, Stafford, Staffordshire and the West Midlands?
To get a FREE no obligation insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 17, 2017 | Business Insurance, Business Insurance Blog, Online Business Insurance Quote
Looking For Online Business Insurance Quote?
There are various ways to get a Business Insurance quote in the UK. We are experts in the provision of Business Insurance and our team of experts have over 30 years experience in placing risks both over the phone or during a face to face meeting.
Using our online Business Insurance system you are able to get a quick insurance quote or you can call for FREE on 0800 084 2325. You can choose to pay in full or set up monthly direct debit payments to suit your individual business needs.
Other more complex risks will need our traditional approach were we sit with you at your premises or via a conference call and collate all the information needed to create and provide the best policy that suit your individual company demands and needs.
To get a FREE no obligation Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 16, 2017 | Business Insurance, Business Insurance Blog, Small Business Insurance
Compare Small Business Insurance online
Contact Just Quote Me for all your small business insurance quotes online.
Do you need to provide proof of cover for your clients contracts?
Can’t get on site without proof of Public Liability Insurance or Employers Liability Insurance , then look no further than Just Quote Me, we have, over the last two years been busy creating a fantastic platform for you to login and get your own personalised quotations to suit the individual needs of your business. Please remember that your policy will only cover the business description listed on the schedule, so it’s imperative you make sure all your business activities no matter how small are included in this schedule.
Our small business insurance experts
Our business insurance experts are on hand, and can in an instant give you the expert advice you need if you are unsure of any of the sections needed to complete the online quotation process. We also offer instalments so you can spread the cost over a ten month period.
Many Tradesman’s insurance policy have warranties and clauses that are not always easy to see or indeed to understand at Just Quote Me we make it our business to ensure you are fully aware of the warranties and clauses so you can be informed whilst running your business on a day to day basis that will help to ensure your policy will indeed indemnify any loss of an insured peril.
Contractors Insurance is also a complex policy often having Contractors all Risks Insurance to cover Contractors tools equipment and materials whilst on site or whilst being used on a contract, this of course accompanies Contractors Public Liability and if required Employers Liability, please be aware that you will need to notify Insurers of any Labour only Sub Contractors and also any Bone-fidelity Sub contractors as to ensure you are fully protected in the event of such a claim arising.
Quality Business Insurance is, in the event of a claim priceless, let us guide you through the buying process and keep you protected.
To get a FREE no obligation Small Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 11, 2017 | Business Insurance, Business Insurance Blog, Professional Indemnity Insurance
A guide to Professional Indemnity Insurance
What exactly is Professional Indemnity Insurance? And do you need it?
Quite simply Professional Indemnity Insurance is a type of Insurance to cover any individual or company that provides a service or advice for a fee. In other words, if you have certificated a piece of equipment as an Electrical contractor and then the equipment causes a loss to the client then this would be a Professional indemnity claim.
Another example would be if, as a professional, you give advice to a company and they follow that advice that causes them a loss then they would be able to make a claim on your Professional Indemnity Insurance too!
More businesses should have this cover
Less than 25% of UK businesses that really should have PI insurance cover actually do so, why is this? Basically it is because either they, or their current insurance providers, don’t understand it. They have more than likely not identified that such an exposure exists within the business and have therefore not catered for it fully.
This is where we can help with our over 30 year’s relevant Insurance industry experience. We can offer not only a free quotation but also specialist advice on how to fully to protect you and or your companies exposure thereby providing you with Professional Indemnity cover that fully suits your requirements.
Why choose Professional Indemnity Insurance Cover?
Why should you purchase this cover if you already have Public and Products Liability cover you may well ask? Well, Public Liability Insurance will basically provide cover for injury etc. to the Public. Products Liability will, in essence, pick up any loss or damage to a third party should a Product that you have supplied fail or be faulty. These will pick up the tangible asset damage but what about the financial loss arising from any advice that you have given? This is where PI (Professional Indemnity) becomes a must have cover.
Do you design something for a professional fee, such as an architect would? If you do, and then, for instance, a builder or manufacturer goes on to build or make the product to your specification, what happens if the item or build isn’t correct and then, as a result, causes a loss to a third party? This again would be a Professional Indemnity claim against you and your insurers which you need to make sure that you, as a responsible business, have got covered.
We can help you with your Insurance questions!
If you are unsure of your real world exposure then please do get in touch with our experts now and, even if only for peace of mind, let us advise you correctly so that you can make a fully informed decision regarding your insurance requirements.
To get a FREE no obligation Professional Indemnity Insurance quote
Go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 3, 2017 | Business Insurance, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance
Looking for a public liability insurance quote that’s tailored to your company’s unique requirements?
Then to organise your insurance policy quickly and without any hassle whatsoever get in touch with Just Quote Me based in Stafford.
The experienced team at Just Quote Me understand that every business is different and that insurance should reflect this. Whether your business is a pub, a restaurant, a shop or you’re a solicitor or an accountant in Staffordshire or the West Midlands contact us today to find a cheap insurance quote that works for you.
The Importance of Public Liability Insurance
Don’t make the mistake of assuming that Public Liability Insurance is a luxury that you do not need. On the contrary, both public liability insurance and employers liability insurance (if you employ one or more employees) are legal requirements.
To ensure that you’re staying on the right side of the law and that you are fully protected from any loss that might arise from a claim, buy Public Liability Insurance from Just Quote Me. The company has been a leader in its field for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.
To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.
