by jqm | Aug 4, 2020 | Business Insurance, Insurance Broker, Insurance Online
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.
by jqm | Jul 21, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK
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.
by jqm | May 26, 2020 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK
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.
by jqm | May 5, 2020 | Business Insurance, Business Insurance Blog, Insurance, Insurance Online, Insurance Quote Online
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.
by jqm | Mar 31, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, 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.
by jqm | Mar 24, 2020 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Personal Insurance
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.
by jqm | Mar 17, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, 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.
by jqm | Mar 10, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance
Running your own tanning salon is a dream for many and is an excellent business venture. Before setting out to open your own salon, you’ll need to consider the unique set of risks that come with this industry. Sun beds come with their concerns, and because they are part of your business, you will need to address these. Solariums sun bed insurance can help protect you should something go wrong. Knowing what insurance you need and where to get it is often confusing.
What Solariums Sun Bed Insurance Is Required?
Because sun beds can pose risks to both customers and business premises, there are various insurance options to consider. The types of insurance you will need will depend on the size and scope of your business. Whether you choose to buy your own sun beds or rent them from a supplier, you need to make sure they are covered. Because most standard contents insurance won’t cover sun beds or solariums, you may need to find specialist insurance.
Solarium sun bed insurance will be designed to specifically cover against the risks of sun beds, including fire, theft and flood. In addition to protecting the equipment in your salon, you will also need to protect your customers. Because sun beds come with risks, you may need public liability insurance. This cover will protect against any legal costs that may incur if a claim is made against you because of injury to a customer.
Where To Get Solariums Sun Bed Insurance
Sun beds are a fairly specialist area, and because of this specialist insurance is often required. Not all insurance companies will offer solariums sun bed insurance. Here at Just Quote Me, our team of experts can help you to find the right policies to meet your needs. We pride ourselves on getting to know your business, in order to recommend the best options.
Are You Looking For Sun Bed Insurance?
Get in touch with Just Quote Me today for your free quick quote for sun bed insurance.
by jqm | Feb 25, 2020 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Online, Insurance Quote Online
No matter the type of business you are running, you will need some form of insurance. Because insurance protects you and your business from losses, it is not only a requirement but also a sensible investment. When you get a business insurance quote online, you might come across various cover options.
So that you can choose the best insurance for your business, it is important you understand the different covers available. Once you know the coverage you need, you can then begin searching for the best price.
Read on for information on what business insurance you may need, and how to get a business insurance quote online.
What Is Business Insurance And Why Do I Need It?
Before you begin looking for quotes for your business insurance, you need to understand what insurance you need. If your business operates with other people, including customers clients or suppliers, then you will need public liability insurance. Because you are operating with others, public liability insurance is an essential but not a legal requirement to protect you from compensation claims.
If you have a business that offers a professional service or advice, then professional indemnity insurance might also be worthwhile. For businesses with more than one employee, employer’s liability insurance is a legal requirement. This is because you will need to be protected against any possible claims from members of staff.
How To Get A Business Insurance Quote Online?
Once you have a good idea of the business insurance you need, you can begin looking for a quote. So that you can get the best deal, it is vital to shop around for your insurance. There are various online services which make comparing quotes much quicker and easier, such as Just Quote Me. Because we understand the time and effort involved with getting various quotes, we do the hard work for you. Simply visit our quick quote form to begin your business insurance quote online today.
by jqm | Feb 18, 2020 | Business Insurance, Compare Public Liability Insurance Quotes, Online Business Insurance Quote, Public Liability Insurance, Small Business Insurance, Small Business Insurance Quote
Whether you are working as a plumber or in a related trade, the chances are you will need some form of insurance. Because of the potentially hazardous work completed by plumbing contractors, there is a risk of compensation claims.
Self-employed plumbers, sub-contractors and plumbing companies all require insurance for their work. The type of insurance that you require will depend on the business type and work that you complete. So that you can understand your requirements, we’re covering the types of coverage you need and who they are for.
Employer’s Liability Insurance For Plumbing Contractors
Anyone who runs a business that has employees is required to have employer’s liability insurance. Because you are hiring other plumbers and engineers for your work, you need to ensure they have protection. This type of insurance covers you from claims made by employees due to illness or injury at work. Because you have a duty of care to your staff, your insurance company may not pay out if this has not been exercised.
Public Liability Insurance
Public liability insurance is not a legal requirement for plumbing contractors but is still useful to have. It offers protection against claims that are made by customers or the public. Because plumbers are at risk of issues such as leaking pipes and poorly installed boilers, this cover is essential. Even if you have completed a job to a high standard, you should remember that accidents can happen. So that you ensure you have proper protection, you should always have public liability insurance in place.
Other Plumbing Contractors Insurance
In addition to these insurance policies, there are some others that you may need. Because you are operating commercially, you may require specific commercial insurance on your vehicle. You may also need to cover tools and equipment to protect yourself from loss, theft or damage.
Are You Looking For Plumbing Contractors Insurance?
For a FREE no-obligation quote for your plumber’s insurance policies, get in touch with our friendly team today.
by jqm | Feb 4, 2020 | Builders Insurance, Business Insurance, Compare Public Liability Insurance Quotes, Employers Liability Insurance, Roofers Insurance, Scaffolders Insurance
Working as a building contractor can be stressful. Because of the complex nature of the work, there are often unforeseen delays and problems that arise. Building contractors insurance is there to protect you and your customers when things do go wrong. Depending on the size of your business and type of work you carry out, you might have a requirement to have different types of insurance and coverage options. So that you can easily understand which cover you need, we’re sharing this guide on what insurance building contractors need.
Public Liability Insurance For Building Contractors
Public liability insurance protects builders against liabilities for injuries or damage to third parties. This includes if a building contractor causes damage to a property or a non-employee suffers an injury because of the works. Because of the risks involved with building work, public liability insurance is a requirement for all contractors. Having this type of insurance will ensure that you have coverage for potential claims against you.
Employer Liability Insurance
Any building contractors who are employers of other staff members have a legal requirement to purchase employer liability insurance. This type of insurance coverage is so that you have protection against liabilities for injury or illness of an employee. In 2019, 79,000 workers in the construction industry suffered work-related ill-health. Employer liability insurance is compulsory in order to protect against these cases of ill-health.
Contractors All Risk Insurance
This type of insurance is specifically for the construction industry. Because of the potential damage that can take place during building works, this covers any physical damage to sites and work materials. Contractors all risk insurance is usually sold alongside public liability insurance. This is because public liability doesn’t always provide full coverage, but contractors all risk insurance will cover against all eventualities.
Are You Looking For Building Contractors Insurance?
For more information on your insurance requirements as a building contractor, and to get a free quick quote, contact our team today.
by jqm | Jan 30, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online
In the UK, manufacturing is big business. The sector is one of our largest employers and makes a huge contribution to the British economy. Which is why when something goes wrong, the impact can be significant. As well as the business itself, its supply chain or the broader economy may feel the effect. And, with so many moving parts, there is a good chance something will go wrong at some point. Insurance for manufacturing industry, therefore, is vital. It isn’t something any manufacturing business can do without.
Complexities of manufacturing plant insurance
Because businesses produce goods in so many different ways, insurance that works for one business won’t necessarily work for another. To make sure they get it right, therefore, businesses should talk to an insurance broker, one who understands what they need and can get them the right policy at the right price.
This policy (or a combination of policies, depending on the business) should cover them if the business is unable to operate for any reason. Their factory, or warehouse, for example, might not be available due to fire or flood. Damage to equipment that produces goods will also stop a business operating. Insurance can cover the cost or repair replacement.
Businesses need to think about cover for accidents or injuries. They must, by law, have Employer’s Liability Insurance, which covers them if their employees are hurt, and they (the employer) are at fault. If they have regular visitors, however, or open their premises to customers, public liability insurance is a must.
Buying Insurance for Manufacturing Industry
With so many elements to consider, you are bound to have questions. At Just Quote Me, we are here to help. To get the answers, call Just Quote Me for FREE on 0800 084 2325 or go online to get a quote today.
