by jqm | Jan 17, 2019 | Business Insurance, Business Insurance Blog
Industrial businesses, either on a light or heavy scale, come with many high risks. This a sector where risk of injury is higher than others and when running a light or heavy industrial premises you need to be sure you have the right industrial insurance policy in place. Many companies offer quotes to cover all elements of your industrial business, avoiding the need to invest in several different policies.
Different Types of Industrial Insurance
There are many different types of insurance you may need for your industrial premises and business. The first type to consider is industrial property insurance. Specialist buildings and contents insurance may be necessary, and this will ensure the premises is insured against fire, gas explosion and many other potentially perilous occurrences including flood, storm damage and explosion. Buildings insurance covers the premises for the full rebuilding cost in the event of a disaster and contents insurance will cover the cost of your stock at cost price. Machinery, plant and business equipment insurance is possible in two different ways. You can either choose from “replacement as new” or “indemnity” with the latter taking into account wear and tear when a claim is settled.
Industrial business owners may also want to consider business interruption insurance. Should something such as damaged equipment or an accident stop business, you can claim for the equipment. You will not be able to claim for lost time and capital unless you have business interruption cover as part of your policy. It compensates for any shortfall in gross profit due to a number of unexpected events. These will differ from policy to policy so it important to look in-depth before choosing any insurance provider.
Liability Insurances for Industrial Businesses
Many of the liability insurance policies business owners find in a regular business insurance policy are relevant to industrial businesses too. Industrial business owners are likely to have employees working on their premises. This means employer’s liability insurance is a legal requirement. Similarly, for industrial businesses involved in manufacturing products or parts of products, product liability insurance is also a vital type of cover.
Public liability insurance is not a legal requirement, but it ensures your business is protected against claims from third parties. It protects against claims brought by any third party for injury or loss related to your business and work, including damage to property.
Compare Industrial Insurance with Just Quote Me
Just Quote Me has been helping businesses in many sectors find the right insurance cover for many years. Our insurance experts can help you explore industrial insurance quotes and find the best option for your business.
To Compare Industrial Insurance Quotes Online:
Visit our online Quote System or call us for FREE on 0800 084 2325
by jqm | Dec 25, 2018 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance, Insurance
Business insurance is essential for every type of business. It is usually an incredibly flexible policy that you can tailor to suit your business and its unique needs. However, many people forget about business insurance due to the perception that it is expensive. So, how much does business insurance cost?
The cost of Business Insurance
The cost of insurance will depend on the amount of coverage your business needs. As well as this, it depends on the different policies that you want to include in the overall policy. This means that business owners can control the cost of business insurance by building a unique policy with a range of different covers.
One essential aspect of business insurance is employers’ liability insurance. If your business employees any member of staff, then it is a legal requirement to have employers’ liability insurance in place.
Other aspects of the insurance are not a legal requirement but can still be incredibly beneficial include public liability insurance. This provides coverage to third-party individuals such as customers or contractors in the event of an injury or property damage as a result of your business.
Another popular option is to include professional indemnity insurance. This is particularly useful for business that offers advice to customers that could prove to be faulty. If your advice may cause financial loss to your customers, then having this protection means you can pay in the event of a claim against you.
The main factor that will affect the cost is the risk of your business. Small businesses with less risk will pay a much small price. Rather than a large business that comes with a great deal of risk. The best way to determine the cost of business insurance for your needs is to get in touch with Just Quote Me. You can discuss your individual needs and the team will explain the various premium costs depending on what level of cover you would like.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 27, 2018 | Business Insurance, Business Liability Insurance, Compare Public Liability Insurance Quotes, Insurance, Public Liability Insurance, Tradesman's Liability Insurance
As a plumber working in the property of your clients, you have a higher chance of risk. Every property is different and one mistake, not being aware of your surroundings can lead to damage. This is why it is essential to have plumber’s public liability insurance.
Why do plumbers need plumber’s public liability insurance?
All tradespeople need public liability insurance to protect themselves. Public liability can help to cover compensation should you cause property damage or injury to an individual. For plumbers, the risk is often greater. Furthermore, plumbers have the chance to cause even greater (more expensive) property damage as a result of a mistake.
It is important to remember that compensation can be exorbitant. However, defending a claim in court can lead to costly legal costs too. Not having this money could significantly damage your business. With insurance, you have peace of mind that you can cover the cost of a claim.
What is plumber’s public liability insurance?
Plumber’s public liability insurance is a specific form of public liability insurance. The cover options can have levels of indemnity of £1 million. This is usually the minimum amount. However, can extend to £5 million and beyond, depending on the needs of your business. It is up to your business to decide on the most appropriate cover for your business.
Don’t forget that it can help to pay for expensive legal fees, which you will have to pay even if you are not responsible.
The cost of plumber’s public liability insurance can vary depending on the risk and size of your business as well as the level of cover you want. Just Quote Me will scour the market to find you the very best deals at the best possible price.
Do you have questions about plumber’s public liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 20, 2018 | Business Insurance, Employers Liability Insurance, Public Liability Insurance
The job of a ground worker is incredibly varied. Furthermore, it comes with several unique risks that can invalidate a regular insurance policy. With the interesting and versatile job of a ground worker, it is essential to have the right level of insurance that is as flexible as the job. With insurance for ground workers, you can enjoy the convenience of a single policy that protects you from all of the risks being a ground worker may bring.
What Insurance For Ground Workers Includes
Insurance for ground workers can be incredibly flexible depending on your requirements and personal situation. However, there are some key elements in ground worker insurance;
Public liability – Protect individuals who may suffer injury or damage to property as a result of your work with public liability insurance. Typically, public liability insurance will cover at least £1 million. However, ground workers tend to increase the cover to £5 million due to the potential risks of the work.
Employers’ liability – It is a legal requirement to have employer’s liability insurance if you have staff. This includes casual workers and temporary staff. Much like public liability insurance, this will cover you if staff make a claim. This could be due to injury, illness or damage as a result of working for you.
Personal accident – There are many hazards for ground workers. Furthermore, if you sustain an injury during a job that makes you unable to work you could lose income and have to pay for medical costs. Personal accident insurance will provide cover for serious injuries provide money for income and to cover any medical costs too.
There are many other cover options that you can include to make your ground workers insurance. All of which can make the policy more tailored to your needs. Aspects such as tool insurance and business equipment insurance may prove useful.
Do you have questions about Ground Workers Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Oct 9, 2018 | Business Insurance, Insurance
Whatever your business, you are likely to have a great deal of contents within your premises. This could be computer and technology equipment in offices, glassware and crockery in hotels and even office furniture for your home office. If the contents become stolen or damaged, without insurance in place, then it could affect the day to day running of your business. Furthermore, it could leave a significant dent in your business finance. With this in mind, business content insurance becomes vital.
What Is Business Content Insurance?
You can purchase business content insurance as a stand-alone product or as part of business insurance cover. Business content insurance is available to reimburse you for the cost of your business contents, such as stock, office and retail equipment in the event that it is stolen or damaged.
Having business content insurance in place helps to provide your business with the peace of mind that should anything happen, then your insurance can help you to continue trading.
Considerations For Business Content Insurance
One of the critical aspects of business content insurance is how to value your items. Some insurers will offer initial purchase price. However, others will cover replacement value. Depending on the contents your business has will determine which is the right offer for you.
Another consideration is to cover the total value of your contents. In some cases, you may find it is better to insure specific high-value items separately. This can help to make sure that they receive more security. Some high-value items may go up in value since you made your purchase, so you may want to replace like for like. For some items that may drop in value, the initial price may be more worthwhile to you.
Do you have questions about Business Content Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 11, 2018 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance
Business insurance is essential for all firms, whether small or large. The insurance can help to protect you and your company for losses or damages that may occur. With budgets being tight, is essential for organisations to find cheap business insurance, that still gives the protection and coverage they need. So how can you find cheap business insurance to suit your business requirements?
What business insurance do I need?
Business insurance is often package insurance, explicitly designed for the needs of businesses. It usually covers three core elements; public liability, employer’s liability and professional indemnity. However, it is possible to find specific business insurance to suit your industry. It is also possible to tailor packages to ensure you have the protection you need.
Three main elements of business insurance:
Public liability: If your business damages the property of or causes an injury to a member of the public, then you may face a compensation claim. Insurance helps to protect your business and covers the cost of the claim.
Employer’s liability: This is a legal requirement for businesses who employ staff. The insurance covers to cost of compensation if an employee sues you because of injury, illness and damage as a result of work.
Professional indemnity: This covers you if a customer claims you haven’t fulfilled your duties, damaged their property, reputation or business.
How to find cheap business insurance
The best way to find cheap business insurance is to conduct a comparison search. At Just Quote Me, you can run an online search. This compares quotes from many insurance providers, from the big name brands to the smaller niche services, so we can be sure to find the right policy for you.
Just Quote Me make our comparison tool as user-friendly as possible. As well as finding the cheapest deals, you can also discover the best value for money deals and adapt quotes to suit your needs.
Do you have questions about business insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 4, 2018 | Business Insurance, Business Insurance UK, Insurance
For any business, it is essential to have the right insurance coverage in place. Moreover, you want to make sure high-quality insurance coverages comes at the best possible price. With this in mind, it is vital for your business to compare business insurance quotes. So, what is the best way for you to compare business insurance quotes? Here we offer our guide on how to interpret the quotes you receive.
The best way to compare business insurance quotes
- Don’t focus solely on the premium
It can be tempting when you compare business insurance quotes to concentrate solely on the price you have to pay for insurance. However, it may sometimes be worthwhile spending a little bit more to receive a greater amount of coverage. Furthermore, you also need to check that the limits of cover are high enough to cover any client contracts you have or potential problems you face.
- Flexibility
As a business grows, you want to make sure that you always have the right insurance to cover your needs, plans and risks. While you do not want to buy new insurance every time there is a change in your business, it is wise to check the flexibility of the policy and the insurance provider. It is wise to ensure your limits have wiggle room in case your business grows. It is also worthwhile checking with the insurance provider to see how it would cost for you to update the policy if you need to.
- Talk to Just Quote Me
While our state-of-the-art comparison engine makes it easy to compare quotes at a glance, our insurance experts are always on hand to help. We will be able to explain any industry jargon to ensure you know the complexities of your policy. Furthermore, we can also assess your needs to make sure you have the right level of cover in place for your business activities and size.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 28, 2018 | Business Insurance, Business Insurance UK, Business Liability Insurance, Public Liability Insurance
Public Liability Insurance
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Small Business Insurance, Small Business Insurance Quote
Sandwich Shop Insurance Quote
When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.
Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.
Protect your Sandwich Shop against All Risks
It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:
Employer’s liability insurance
If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.
Buildings and Contents insurance
Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.
Stock and Money Cover
As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.
Public Liability Insurance
Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a compulsory type of cover but it is highly recommended for any sound business.
Do you have questions about Sandwich Shop Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Insurance Online, Insurance Quote Online
Most renewable energy businesses are rural or a diversification of an original business such as a farm. This can mean you believe you are already adequately insured. However, the renewable energy sector has its own risks and therefore, many insurance providers now offer unique renewable energy insurance for your business in this area.
Renewable energy insurance premiums are tailormade and can cover a wide range of different types of energy and premises. Specialist property insurance is often a requirement. You will find insurance covers possible for many different structures and types of renewable energy including:
- Biomass and wood chip boiler systems
- Onshore and offshore wind turnbines
- Wave and tidal marine systems
- Hydroelectric plants and systems
- Hydrogen fuel cell developments
- Biogas and anaerobic digestion
- Solar energy plants and developments
These are among the most common kinds of renewable energy development which require insurance, but this list is not exhaustive. The renewable energy sector is growing rapidly. Therefore, being fully prepared and covered is key to ensuring business growth in the future, even if accidents and problem occur along the way.
What Does Renewable Energy Insurance cover?
Renewable energy insurance is highly varied due to the different types of energy and the structures involved. The insurance can be in place from before building begins and can incorporate many of the following:
- Construction and/or erection all risks cover
- Advanced loss of profits cover
- Delay in start-up cover
- Operational all risk cover
- Machinery breakdown cover
- Business interruption cover
You may also find renewable energy insurance cover which incorporates more typical business insurances needed by all companies. For example, it may be possible to build in public liability and employers’ liability insurance to a larger renewable energy insurance premium, dependent on the insurer.
Renewable Energy Insurance with Just Quote Me
Just Quote Me work with many progressive businesses in the renewable energy sector. Whatever types of energy you are producing we can help organise the right insurance cover. Contact us today to discuss your individual business needs.
by jqm | Aug 23, 2018 | Business Insurance, Business Insurance Blog
The recruitment sector is one where your knowledge and expertise is everything. Your clients work with you because they expect your industry knowledge and experience to help them either find the right employees for their business or help them in their career. Recruitment is a truly personal service and it is absolutely essential you have adequate protection should something go wrong. Whether an agency or a single consultant, recruitment insurance is vital.
What Kind of Cover is Needed in a Recruitment Insurance Policy?
Some of the insurance premium options available to recruitment professionals are optional but it is worth considering them all in depth. Your recruitment insurance policy could incorporate:
Professional indemnity insurance
Professional indemnity insurance is probably the most important type of cover in recruitment. It protects your business should you give faulty advice which leads to financial loss for a client. All businesses offering advice and guidance should consider this.
Public liability insurance
Public liability insurance protects you should a third party be injured, or their property damaged on your premises or due to your work. It is one of the most common types of business insurance. Almost all companies consider so they have a financial safeguard against claims from clients and other third parties.
Employers’ Liability Insurance
If you have employees, workers, casual staff or even temporary employees now and again then this insurance is mandatory. You legally must have an adequate level of cover in place to provide financial assistance should an employee claim they were injured or became ill due to their work for you.
Additional Covers
Some recruitment professionals may want to consider office insurance, so their equipment is protected against damage or theft. You may also want to look into cyber and data liability insurance. The risks of a cyber attack to your client data can be devastating.
Recruitment Insurance with Just Quote Me
Our experience with businesses from many different sectors guarantees we can help organise your recruitment insurance. Whether an individual or a large firm, Just Quote Me can help ensure you get the right level of insurance cover today.
by jqm | Aug 18, 2018 | Builders Insurance, Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote, Tradesman's Liability Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
