by jqm | Oct 15, 2019 | Business Insurance, Business Insurance Blog, Commercial Insurance, Farm Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
Renewable Energy Insurance
Last year, renewable energy production in the UK rose to its highest-ever levels. To date, in 2019, it is responsible for almost 40% of all energy production. Large-scale operations such as off-shore wind farms generate much of this energy. However, more and more smaller producers are playing their part in producing renewable energy. All of these require renewable energy insurance.
Farmers and landowners, for example, have begun building wind turbines on their land, while businesses are adding solar panels to their properties. At the same time, specialist companies are setting up focused on areas such as Anaerobic Digestion or Hydroelectric power. While this is all a positive for the planet, it can lead to problems for the companies involved if they don’t have the right insurance.
Types of Renewable Energy Insurance
There are different types of renewable energy, however, all of which need a different type of insurance. These include:
- Anaerobic digestion
- Geothermal
- Micro Hydroelectric
- Solar and PV
- Wind turbines and wind farms.
Different insurance will probably be needed depending on whether the business is in the process or starting up or fully operational.
Renewable Energy Insurance Coverage
In each instance, renewable energy insurance should cover:
- Employers liability for if staff are injured at work
- Public liability for if visitors or other members of the public are injured on-site
- Professional indemnity for any negligence claims
- Poor quality work (from contractors)
- Delays in start-up
- Legal expenses to respond to claims or place claims due to workmanship or delays
- Damage, including fire and theft
- Loss of revenue
- Environmental impairment
Buying renewable energy insurance
Because of the complexities, anyone considering getting involved in renewable energy should speak to an industry professional such as Just Quote Me to ensure they are fully protected. Contact them today on 0800 084 2325 for a free, no-obligation, renewable energy insurance quote.
by jqm | Sep 17, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Insurance Quote Online
If you run your own business then it is precious to you. Getting the right cover is vital to protect your business for when the unforeseen happens. A recruitment agency can have many risks; from making a mistake to a client suffering an injury in your office. Without proper recruitment agency insurance cover, it could spell the end of your business.
What cover does a recruitment agency need?
The exact cover you need will depend on the size and structure of your business. It’s important to discuss all your requirements with an insurance broker, such as Just Quote Me, to make sure you are adequately covered.
You will need professional indemnity insurance as part of your package. This protects you in the event that you make a mistake, such as offering poor advice. This is vital for recruitment agencies.
If you have visitors come to your office, or you make site visits then you will need public indemnity insurance. This provides protection in the event that you injure someone or cause damage in the course of doing your job. For example, if you trip over an expensive piece of equipment on a site visit and it breaks.
If you have employees you will need employer’s liability insurance. This protects you in case one of your employees makes a claim against you for injury or illness. It is a legal requirement to have this.
Along with these essentials, you may need to consider cover for premises, for cyber and data risks and directors and officers insurance. It is the combination of all this cover that will be bundled to give you your recruitment agency insurance.
Are you looking for recruitment agency insurance?
If you need recruitment agency insurance you need to speak to a company that can put together a bundle that gives you the cover you need. Just Quote Me are experienced insurance brokers. They will discuss your business with you, so they understand the cover you need. They can then put together a bundle that gives your recruitment agency the coverage it needs at the best price possible. Contact them today to see what they can do for you.
by jqm | Sep 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Compare Public Liability Insurance Quotes, Pub Insurance
Looking For Late Night Bar Insurance?
Are you a looking for cover for your bar premises?
If you own or manage a late night bar in the UK you will need cover to protect members of the Public at all times whilst on or about your premises.
You will also need to protect them against the possibility of injury or discomfort caused by any products sold by you to them.
This would be covered by our online late night bar Insurance, and there are a number of other covers such as stock, food and frozen food insurance plus beers wines and spirits cover.
We also offer property protection such as buildings insurance or indeed fixtures and fittings cover for which you may be responsible under a tenancy agreement or any other improvements that you personally have paid for to enhance the public’s experience at your premises.
Cover for injuries that occur at your premises
What happens if a customer injures themselves on your premises or alleges that an injury occurred on your premises?
Do you have the correct procedures in place to monitor all slips and trips on your premises?
Do you have a cleaning up process already in place for spills?
Do you have an accident book to report any such injuries and state what action was taken to prevent further injuries taking place?
No win no fee claims on the rise
With the rise of no win no fee the licensed trade has seen the number of claims rise drastically over the recent years as members of the Public have alleged incident where they have injured themselves have actually happened whilst they have attended a licensed venue.
Could be your late night bar be able to provide evidence to defend any such allegation if indeed untrue?
With late licence venues being able to open 24 hours a day then this has created a difference in drinking and socialising habits in the UK and our Insurance policies have changed to cater for this.
Contact us for your late night bar insurance
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 20, 2019 | Builders Insurance, Business Insurance
When you are overseeing the construction on a job site, the buck stops with you. There is a lot of pressure and stress associated with managing all the work; dealing with delays, clients’ expectations and budget issues are stressful and exhausting. Knowing that you have the right protection supporting you to do your job to the best of your ability. That’s why building contractors’ insurance is so important.
What Can You Include With Building Contractor Insurance?
Precisely what is covered by building contractor insurance depends on the specific policy you opt to go for. However, the key piece of your insurance will be public liability insurance. This is the part of the policy that protects you in the case of an accident on the site. In the case of injury or damage, you will be covered. Rolled into this could also be contractors all risk cover. This includes the extra losses that can be specific to building sites that might be excluded from a standard public liability policy.
All business insurance should also include professional indemnity cover. This provides you with the reassurance that if your actions or advice lead to financial loss for your client, then you will be covered.
If you are directly employing anyone for the job, you will need to have employer’s liability insurance as well. This provides you with cover in the event of injury or illness amongst your employees.
With some policies, you can also include additional tool cover. Giving you peace of mind that all the tools on the site will be covered in the event of either theft or damage.
The precise combination of this cover is what protects your interests while working on a job. Depending on the details of your work you should tailor your cover to match your needs.
Do you have questions about Building Contractor Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 13, 2019 | Business Insurance, Business Insurance UK, Insurance Online, Insurance Quote Online, Small Business Insurance, Small Business Insurance Quote
If you are a sole trader, then your business is likely one of the most important things in your life. Insurance is there to protect the things we care about. Sole trader insurance gives you the right cover for your business. You can tailor this insurance to meet your needs. Choosing the right selection of protection gives you the peace of mind that all your hard work is protected and that even if you work alone, someone has your back.
What you can include with Sole Trader Insurance
Public liability insurance is a great starting place for any sole trader who has direct contact with their clients. This provides protection in the event that a member of the public is injured whilst on your premises. It also covers you in the event that you cause damage to someone else’s property whilst in the course of your work.
If part of your business involves providing advice, professional expertise or the handling of personal data then you should consider personal liability insurance. This protects you in the event that you make a mistake and money is required to resolve the situation.
Office insurance can protect you in the case of damages to your premises. Not only can it cover any lost equipment but also loss of earnings.
If you have concerns about cybercrime, then you might be interested in cyber and data protection. If you have any employees, then you will need to have employers liability insurance. Personal accident insurance can protect you in case you are injured and unable to work.
Sole trader insurance is tailored to meet your exact needs. You should make sure that you consider all aspects of your business and that you are fully covered.
Do you have questions about Sole Trader Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
by jqm | Jul 23, 2019 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Quote Online
Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?
Look around
Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.
Get a free quote
Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.
What is the Just Quote Me approach?
Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.
Get the basics
Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.
Do you have questions about comparing business insurance quotes?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | May 2, 2019 | Business Insurance, Cyber Liability Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
All businesses rely on an IT infrastructure to some degree. As a result, you are exposed to the risks of business interruption, income loss, damage management and repair, and possibly reputational damage if IT equipment or systems fail or are breached, and you don’t have Cyber Liability Insurance.
A UK Government survey estimated that in 2015 74% of small to medium-sized organisations suffered a cyber breach. The average cost of a cyber-security breach can be as much as £310,000.
This is especially important to you if you hold:
- Sensitive customer details such as names and addresses or banking information
- Rely heavily on IT systems and websites to conduct your business
- Process payment card information as a matter of course
What is Cyber Liability Insurance?
The penalties can be high if a company’s IT security is found to be inadequate and a breach occurs. Under EU regulations which came into force 25th May 2018, you are required to notify your customers of a cyber security breach and could be fined up to 4% of your turnover.
In addition to potentially substantial fines it can also lead to a damaged reputation, legal costs and associated business disruption and lost revenue.
Will your customers trust you after a security breach?
Cyber Liability has become headline news following a number of high profile hacking cases. This has led to a greater awareness of the risks and need for cover. Yet it’s not just the large corporates who are at risk.
As a business, you are likely to hold a lot of personal and sensitive data concerning your customers. The increasing use of online portals could give hackers access to sensitive information held about individual customer accounts.
Cyber Liability covers you against financial losses and third-party liabilities up to the limits chosen arising from cyber attacks.
Every organisation is a potential victim
All organisations have something of value that is worth something to others. You may experience some form of cyber attack if you openly demonstrate weaknesses in your approach to cyber security by failing to do the basics.
Part of your risk management process should be assessing whether you are likely to be the victim of a targeted or un-targeted attack. Every organisation connected to the Internet should assume they could be a victim of the latter.
Either way, you should implement basic security controls consistently across your organisation. Where you may be specifically targeted, ensure you have a more in-depth, holistic approach to cyber security.
The Stats
Recent reports revealed that despite increased efforts and spending in the realm of reducing cyber-risk, over 60 per cent of UK businesses identified that they have a cyber-security skills gap. What’s more, over half of these organisations believe they have an increased risk of suffering a data breach as a result.
What does your Cyber Insurance cover?
Cyber insurance may cover several different things, dependent on the level you opt for. There are policies which offer scalable cover including elements such as:
- Data Breaches
- Dealing with any cyber liability compensation claims
- Cover for business losses and interruption
- Cover for supporting your business through the aftermath and impact of the cyber event
- Hardware and data repair and replacement
- Forensic investigation, expert advice and IT support
Don’t risk it. Cover your business with Cyber Insurance today by getting in touch or going to this page on our website.
If you would like to know more about the possible risks and solutions to your business’ IT department, we’ve prepared a PDF with more information which you can download here.
by jqm | Apr 21, 2019 | Business Insurance, Business Insurance UK, Car Insurance
How we can help with your Electric Car Insurance
With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses. For these new ways to power a vehicle you need the right insurance and this is where we can help with your electric car insurance.
How Can Electric Car Insurance Save You Money?
Having an electric car or van can help make significant savings with your insurance. Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van insurance.
Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.
Research into Electric Vehicles
Studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.
Do you have questions about Electric Car And Van Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Feb 28, 2019 | Business Insurance, Professional Indemnity Insurance
Professional indemnity insurance is not something that all businesspeople need to consider. However, it is vital in many industries and in particular fields of work. Professional indemnity insurance is sometimes known as PI or professional liability insurance too. It covers the legal costs and compensation incurred if you are alleged to have provided poor advice or services resulting in a loss for your client. This loss is almost always related to money, but some clients may claim for reputational damage or similar too.
Do I Need Professional Indemnity Insurance?
In most cases, professional indemnity insurance is a choice. However, in some industries it may be a requirement to join particular industry bodies. You may not be able to join the associations and organisations which most reputable people in your sector will be members of, making it harder for you to find business.
Even if you do not have to have professional indemnity insurance you could be liable for huge costs should a case be won against you. Very few businesspeople have the money available to cover the costs of a court case and compensation, so insurance really is vital in some sectors. Professional indemnity insurance should definitely be a serious consideration if:
- You provide design services
- You provide advice or professional services
- For protection in case of mistakes or negligence in your work
- You work as a contractor or freelancer and your clients expect insurance in place for contracts
- Your industry body requires insurance to become a member
Some of the most common business areas where you may need to consider professional indemnity insurance include:
- Graphic designers, architects and interior designers
- Management and business consultants
- IT professionals and consultants
- Engineering contractors and technical contractors
- Recruitment consultants
- Tutors and private teachers
- Fitness service providers such as personal trainers and yoga instructors
Arranging your Professional Indemnity Insurance
The level of indemnity insurance cover you need will differ dependent on your business. Discussing your options with our team at Just Quote Me will ensure you have a range of quotes and companies to choose from. Comparing insurance quotes gives you the opportunity to ensure you get the right level of cover for your needs.
Compare Professional Liability Insurance Quotes Online:
Visit our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 21, 2019 | Business Insurance
The Office for National Statistics report that the number of self-employed people is increasing massively year on year. The number of people self-employed in the UK increased from 12% of the labour force in 2001 to 15.1% of the labour force in 2017.
While many self-employed people made the move due to lack of job availability, almost all are reaping the benefits of being their own bosses. It gives you the opportunity to have full control over your career, but it also comes with a range of risks you cannot ignore. With no protection or support from an employer, self-employed insurance is more important than many people realise.
What is Self-Employed Insurance?
Self-employed business insurance policies protect you and your business financially in the event of an unexpected scenario. It protects you should the worst happen. Dependent on the cover you opt for, it can protect obvious things such as damage to your property. It can also cover less obvious things such as financial protection should your advice cause loss to your clients. If you work for yourself then it is likely you will need some kind of self-employed insurance. What you need will depend on factors including:
- Whether you have any employees
- Whether your business has shareholders
- If your business has a high volume of valuable assets
- The type of business you run
- Whether you sell or create products
- Whether you give out advice or information as part of your service
These are just some of the factors which will influence the kind of self-employed insurance you may need.
Protecting your Business against Liabilities
The most important kinds of insurance for a self-employed person relate to liabilities from clients and other third-parties:
Professional Indemnity Insurance
Professional indemnity insurance or professional liability insurance is essential if you offer advice or specific services. This insurance covers compensation costs should a client suffer financial loss due to a mistake or negligence made by you or an employee. Mistakes can happen and should your advice lead to a loss for your customer, they may need to make a claim against you. Professional liability insurance provides financial protection should this happen.
Employer’s Liability Insurance
If you have any employees you are legally required to have correct insurance cover in place. Most businesses must have at least £5 million of employers’ liability cover. This insurance protects your employees and business should the worst happen. This type of insurance will ensure legal fees and compensation are covered if an employee makes a work-related injury or illness claim.
Public Liability Insurance
Not all self-employed insurance policies will include public liability insurance. Public liability insurance is not a legal requirement. However, it ensures you are protected if clients or third parties visit your business premises. There are also policies which will provide cover if you visit client’s homes or their premises too. Public liability insurance provides compensation and legal fees cover if a third-party makes an accident, injury or damage to personal property claim.
Self-Employed Insurance with Just Quote Me
Just Quote Me works with business people from all backgrounds, including many self-employed business people. We can help talk you through a range of self-employed insurance quotes so you can find the right option for your business.
by jqm | Feb 14, 2019 | Business Insurance, Home Insurance
A recent study carried out by Enteprise Nation found there are 2.9m “homepreneurs” in the United Kingdom, adding £40bn to local economics. The benefits for both the country and the individual from those working from home are huge. Once you make the decision to run your business from home though, there are still some boxes to tick. You need to protect your livelihood and one element of this is ensuring you have adequate home business insurance.
Protect your Home Business
Working from home is a privilege for many and something many others wish they can do. However, the semi-casual attitude involved in working from home means sometimes some of the more practical elements of running a business get overlooked. Insurance is one of these elements. Your home business needs as much protection as any other, so it requires home business insurance. Dependent on the nature of business different types of cover may be necessary but working with no insurance at all can be a real risk.
What should my Home Business Insurance cover?
Home business insurance may need to cover many different things dependent on the nature of your business. The first thing to consider is your home and contents policy, which probably does not account for any specific contents relating to your business. Some other common elements of a home business insurance policy include:
Public Liability Insurance
Public liability insurance is essential if you will have clients visiting your home. It covers any compensation which may be due should they fall ill, be injured or their property damaged while at your home. This isn’t a very common form of policy for homeworkers, but it is still worth considering.
Professional Indemnity Insurance
This is the most important kind of cover for home businesses. If your business offers advice or professional services to others, then professional indemnity insurance is vital. It will cover you should a client suffer financial or professional loss due to negligence in your advice or service.
Business Buildings Insurance
As your business is based in your home, it may be wise to consider additional buildings insurance. This ensures that your home is protected financially should a fire, flood or other natural disaster occur.
Compare Home Business Insurance Quotes Today
Just Quote Me works with many home business owners to find the right type of insurance for their needs. Every home business is different and you can compare quotes relevant to your business online using our online quote form.
Compare Home Business Insurance Quotes Online:
Visit our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 7, 2019 | Business Insurance, Insurance Quote Online
Any business that employs staff are legally required to have employers’ liability insurance. The definition of staff includes volunteers, work experience placements and sub-contractors and having this kind of insurance is not an option in the UK, it is essential.
The Employers’ Liability (Compulsory Insurance) Act 1969 lays out the exact terms of insurance required. It states that employers are responsible for the health and safety of employees while they are at work. If an accident should occur in the workplace and an employee be injured, they may be in the position to claim compensation against the business. As well as injury, employers are responsible for ensuring employees do not become ill or their property become damaged due to their work.
If an employee makes a claim against their employer and they win, both legal fees and compensation must be paid. Without insurance in place most businesses would not have the funds to do this and therefore, compensation is an essential protection for both parties.
Protection for Businesses and Staff
Employees are at risk of accident at any time. In almost all instances there is no fault on any part, but in the instance that there is, businesses need to be prepared. Slip and trip accidents are amongst the most common in the workplace and high-risk industries such as construction and those dealing with hazardous materials need to be especially mindful of having the right cover in place.
The Employers’ Liability (Compulsory Insurance) Act 1969 states that companies must have at least £5million worth of cover for their employers liability insurance. However, you will find that most companies offer insurance premiums of a minimum of £10million.
Risks of No Employers Liability Insurance
Almost all businesses with employees must have this kind of insurance. There are exceptions such as if you only employ close family members and a few other instances. Trading without employers liability insurance is a huge risk. Heavy fines are the most common form of penalty, with fines of up to £2500 for every day of trading without adequate insurance cover.
Compare Employers Liability Insurance Quotes
Employers liability insurance is essential for all businesses but different companies do offer different levels of cover. At Just Quote Me we can help you compare employers liability insurance quotes and get the right cover for your business with ease.
Compare Employers Liability Insurance Quotes Online:
Using our online Quote System or call us for FREE on 0800 084 2325
