by jqm | Aug 16, 2018 | Builders Insurance, Business Insurance
Many people who work at height invest in specialist insurance, but it is possible to go even further with industrial rope access insurance. This is a very specific but extremely vital type of cover. It ensures those utilising industrial rope access themselves, for their employees or contractors, have the additional cover needed to protect themselves against the financial risks that come with claims of negligence.
What is Industrial Rope Access?
Those outside of the sector may be confused even by the term industrial rope access. The International Rope Access Trade Association (IRATA) define the system as a safe way of working at height where ropes and associated equipment are used to gain access to and from the work position, while also providing necessary support. Many Industrial Rope Access insurance policies are designed in line with IRATA guidelines. Some are exclusively for members of the association.
Industrial rope access insurance is suitable for individuals and businesses in many different sectors but is usually most applicable to those in the oil and gas energy, those working with petrochemicals, in civil engineering, construction or mining. People working in this sector already know how tricky it can be to get adequate insurance cover, because of the high risk involved, but at Just Quote Me we will work with you to organise the right insurance for your needs.
Industrial Rope Access Insurance Options
Many of the specialist providers of this niche insurance offer a range of options. Their cover may depend on the number of people requiring it. Some policies offer cover for single workers and others for much larger groups. It may also incorporate both employers’ and public liability insurance. This protects the business against claims made by both employees and third parties. The short-term nature of some contracts also means you may only be looking for a short-term policy. There are industrial rope access insurance providers who offer this too.
Contact Just Quote Me today to discuss your industrial rope access insurance options. We’re ready and waiting to talk through what’s available and help you find the best option for your needs.
by jqm | Aug 9, 2018 | Business Insurance, Business Insurance Blog
Solar panels are a much more common sight today than ten years ago. They are used across the UK in commercial and domestic property environments as well as on solar farms, premises dedicated to generating electricity through solar energy. Massed together solar panels can produce huge amounts of electricity and store it effectively. However, if you run one of these businesses it still needs protecting and specialist solar farm insurance offers this protection for your development.
Solar energy has become a key renewable energy source on a global scale. The UK government has committed to generating up to 12% of all power in the country by renewable sources by 2020 and this will include solar as a key player. As the owner or facilitator of solar panels and solar farming premises, you could play a key role in this so keeping your business safe financially is of even higher priority.
What does Solar Farm Insurance cover?
Solar farm insurance is very specific to the individual arrangement and setup of your farm or business but as standard it may include:
- Breakdown cover – should there be a breakdown in your panels functioning. This may also incorporate replacement fees.
- Loss of revenue cover – this provides financial cover should you lose revenue or agreed tariff levels due to damage or theft of panels
- All Risks Cover – this overreaching type of insurance protects your assets against fire, storm, theft, malicious damage and accidental damage
- Public Liability Insurance: to protect your business should it cause damage or injury to a third party of their property
- Employers’ liability insurance: essential if you have any staff at all working for you business. It protects you against accidents or injuries to staff members.
Solar Farm Insurance for Varied Projects
As well as offering solar farm insurance, there are options to insure other solar developments include school and local authority projects, domestic developments and much more. As solar power becomes more mainstream, so do the options for protecting businesses involved in the sector.
Contact Just Quote Me today to discuss your solar farm insurance options.
by jqm | Jul 26, 2018 | Business Insurance
Starting your own business and setting up as a limited company comes with a range of administrative requirements. While it can seem laborious, the time you put in to begin with saves you time and potentially money later. This is especially true of your limited company insurance. Without the right insurance in place you risk your business’ financial safety.
Here we’re looking at the types of cover you should have as a minimum when arranging your limited company insurance.
Employers’ Liability Insurance
In the UK, employers’ liability insurance is the only mandatory kind of cover, required by law. This is only the case if you employ others, but most businesses have at least one employee. As the director of a limited company your employees health and safety is your responsibility. If they should be injured or fall ill due to their work for you, they may choose to make a claim against your company. With employers’ liability insurance in place you have financial protection should the claim be successful, and it will also cover your legal fees.
Public Liability Insurance
Public liability insurance gives you a safeguard against claims made by third parties, such as clients or members of the public. It provides your business with cover against claims made for accidental injury or damage to property due to your business activities. It is almost invaluable if your business is people-facing and if you deal with the general public on any basis.
Professional Indemnity Insurance
Professional indemnity insurance covers the financial costs of defending a claim against your company. This type of claim will tend to be relating to advice you may have given which has led to problems for the client. It may also relate to mistakes made, loss of documents or data and issues such as copyright breach.
Limited Company Insurance with Just Quote Me
We work with many businesses helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you choice for your cover. Contact us today to look more closely at your small business insurance options
by jqm | Jul 12, 2018 | Business Insurance, Business Insurance Blog
Small business insurance is a valuable protection for your business. It helps to support your business financially in the event of claims for losses or damages. It can help keep businesses afloat or get them back up and running. Some insurance policies will provide cover when a business has to close unexpectedly and can be crucial in ensuring you don’t have to shut up shop permanently.
Some types of small business insurance may be mandatory dependent on your profession and also simply by law. Employer’s liability insurance, for example, is not an option if you have any employees and you legally must have this kind of policy in place. Other types of cover may be optional, but they can protect your business in the event of:
- Unexpected business interruption
- Damage to your property or stock
- Claims made by customers or other third parties
Do I need Specialist Small Business Insurance?
There are general business insurance policies on the market, but most insurers have moved on to provide more specific options for certain types of business. The small business insurance you need will obviously differ whether you run a café or a marketing business. Considerations such as your business premises are relevant and individual risk assessments are key to ascertaining the insurance you need.
You need to assess the risks that your business faces and choose the right insurance based on that. Small businesses that provide advice and professional expertise such as accountants will certainly want to consider professional indemnity insurance, whereas if you run your own small bakery, this is less important, but you will need to look at employer’s liability to abide with the law should you employ any staff.
Working from home does not mean you do not need small business insurance. You should still consider protecting your business and ensuring you have a safeguard in the event of unexpected events.
Small Business Insurance with Just Quote Me
We work with many businesses on a daily basis helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you a range of options. Contact us today to look more closely at your small business insurance options.
by jqm | Jul 5, 2018 | Business Insurance
The Office of National Statistics found 4.8 million people in the UK were self-employed in 2017. This is a growing section of the popular and many self-employed people don’t know the ins and outs of protecting and managing their business. Whether working from home or on dedicated premises, all individuals working for themselves should protect their businesses with self-employed insurance.
What Self-Employed Insurance do you need?
The insurance relevant for your business varies dependent on many factors. One of the most important things when arranging your self-employed insurance is understanding what types of cover you need.
Most self-employed businesspeople will require public liability insurance as standard. This helps provide financial protection should a third-party claim for accident, injury or property damage due to your business or work.
Self-employed insurance options may also include:
- Professional indemnity insurance: if you provide advice and guidance
- Commercial buildings and contents insurance: if you work from a separate premises than your home for business
- Business interruption insurance: should your business be interrupted for any reason, you can access financial support
- Office insurance: whether at home or on separate premises, you can get insurance to specifically cover your office equipment and specialist tools where needed
The Risks of No Insurance
Many self-employed people believe the small nature of their business means there could never be an issue requiring insurance. However, smaller businesses have less cashflow and therefore, should there be a problem, finding the funds to deal with it is much harder. This makes it even more important to have financial protection in the form of insurance. It is a safeguard for your business should you be faced with an unexpected event or claim.
Self-Employed Insurance with Just Quote Me
Working with businesses of all sizes, Just Quote Me can help you find the right insurance. We work with business owners to look at their individual requirements and can offer quotes from a range of insurance providers to suit your needs. Contact us today to find the right cover for your self-employed business.
by jqm | May 17, 2018 | Business Insurance, Business Insurance Blog
As a very specific type of business, recruitment agencies require specific and tailored insurance. Recruitment agency insurance is designed to cover the specific risks involved in this kind of business. As a specialist kind of insurance you can expect the insurance companies offering quotes to have in-depth knowledge of the particular risks facing the industry.
Recruitment agency insurance often needs to cover more than the risk of negligence claims that come as a result of accident of injury. We’ll look at this in more depth below.
Protecting your Advice and Guidance with Recruitment Agency Insurance
Professional indemnity insurance is one of the most important elements of a recruitment agency insurance policy. This type of cover will provide financial support should your business need to defend allegations of professional negligence. This could include things such as advice and guidance given when supporting clients into employment. It covers the cost of the damages should you be unsuccessful, as well as your legal costs.
Essential Cover for Recruitment Businesses
Recruitment agencies should also consider other types of insurance for their business. Cover such as public liability insurance is covered in almost all policies. You may also want to consider more specific covers such as directors’ insurance or office insurance, dependent on the size of the business.
Unless your recruitment agency operates independently with you as the only employee then you will need employers’ liability insurance to comply with UK law. Employers’ liability insurance is mandatory for all businesses which employee one person or more. It provides cover should an employee or former employee make a claim against your business for accident, injury or illness caused by their work for you.
Recruitment Agency Insurance with Just Quote Me
Professional and experienced, the Just Quote Me team works with businesses of all sizes, from all backgrounds. We help recruitment businesses find the right tailored insurance quotes for their needs and provide a range of options where possible, allowing business owners to make a considered decision. You can find out more and discuss your specific business needs with our team via our contact page.
by jqm | Apr 5, 2018 | Business Insurance, Home Insurance
If you’re the owner of a stately home, either as your private residence or for business purposes, then you’ll know just how special it is. Whether it’s a listed building or not, your stately home will require a special kind of insurance. All properties of this nature are unique and so each stately home insurance policy is unique too.
Specialist heritage insurance professionals look to provide state home insurance to suit properties of all types. An insurance policy will need to be designed for your specific requirements. At Just Quote Me we deal with property owners of all backgrounds with a wide range of different properties. Owning a stately home comes with many challenges and ensuring your insurance policy is sound shouldn’t be one.
Bespoke Stately Home Insurance
Your stately home needs unique cover to suit its particular background, history, estate and any additional elements. Some stately homes may have paddocks and additional out buildings for example, whereas others may not. Some may have thatched cottages or similar on their land while others won’t. The unique features of your property and its land will play a role in the bespoke stately home insurance policy created for you.
Stately home insurance can include the following types of cover:
- Buildings cover
- Contents cover
- Business interruption cover (should your property be used for business purposes)
- Legal expenses (as above)
It is even possible to get support and advice from specialists such as architects, fine art specialists and antique experts when assessing the level of cover needed for the property in question. The more information you can provide the better for getting a fully fitting insurance policy.
Stately Home Insurance with Just Quote Me
Our professional insurance advisors work with business owners as well as those looking for personal insurance all day, every day. Our experience allows us to help you find the right cover for your property, taking into account its unique features. Contact us today to arrange cover for your stately home.
by jqm | Feb 26, 2018 | Business Insurance
Data Protection in the Workplace Online Course
Data Protection in the Workplace If you or your organisation handles personal information about individuals you have legal obligations to protect that information.
The benefits of good data safety are numerous and include, good business practice, the protection of people’s rights and the protection of your organisations reputation.
In recent years some companies and individuals have experienced serious legal consequences for data protection breaches and this highlights why it is so important to get it right. Training should be a vital part of any company’s data protection policy.
Duration Of Our Data Protection in the Workplace Online Course
Duration: 80 minutes
(Note: This is based on the amount of video content shown and is rounded off. It does not account in any way for loading time or thinking time on the questions).
Free Trial or Buy
GDPR – £35
What You Will Need
Operating System: Windows 7+ or Mac OSX (10.8+)
Browser: A modern and up to date web browser
Video: Up to date video drivers
Memory: 1Gb+ RAM
Download Speed: Broadband (3Mb+)
by jqm | Feb 8, 2018 | Business Insurance, Business Insurance Blog, Cyber Liability Insurance
Many small businesses owners believe cyber attacks won’t happen to them. Hackers, cyber criminals and other online fraudsters only care about big business. This is far from the truth. No company of any size can afford to ignore the risks of cyber-crime. Your business needs to take cyber-crime seriously and you need to consider cyber insurance for your business.
Cyber attacks take place every four seconds in the UK, according to ONS statistics, and there are millions of computer crime attacks reported every year. Cyber-crime can result in monetary loss for your business, downtime which can affect income and serious reputational damage. Cyber insurance will help protect your business financially should an attack take place.
Cyber Insurance for Businesses
This type of insurance will provide financial protection should a cyber attack affect your business. There are policies at all cover levels scalable to the smallest businesses, as well as much larger companies. Your cover will depend on the quote you accept but it should include:
- Data breach protection
- Cyber liability compensation claim cover
- Business interruption cover
- Downtime/business losses cover
- Hardware and data repair cover
All policies also incorporate forensic investigation and IT support, allowing for a closer look at what has happened. This type of insurance is incredibly specialist and can be daunting if you have little or no experience of IT and computer-related issues. It is easy to ignore cyber-crime, but if it effects your business, you won’t be able to.
Cyber Insurance with Just Quote Me
Just Quote Me operates a lot of its business online so we know just how important cyber insurance is. Even single-person businesses shouldn’t think they are immune to cyber-crime. Our experienced insurance experts will work with you to find suitable quotes. You can then explore your options and find the right level of cover for your business.
Please get in touch with us today to discuss your business needs and to go over your cyber insurance quote options
by jqm | Jan 29, 2018 | Builders Insurance, Business Insurance, Scaffolders Insurance
Working at height makes any job high risk and this is especially through or scaffolders. Working at height presents many risks and this is why specialist scaffolders insurance is recommended. Scaffolders insurance can be made up of a range of different covers, protecting you against different potential risks and claims. Many insurers allow you to build your own policy dependent on your needs, all under a single premium.
What does Scaffolders Insurance include?
One of the most important types of insurance for scaffolders is public liability insurance. It helps protect you and your business should a third party (such as your customer) be injured or their property damaged due to your work.
Scaffolders who employ others even on a casual or temporary basis need employers’ liability insurance. This is a legal requirement and there are hefty fines possible if you do not have adequate cover for your employees. It will cover any claim from an employee or ex-employee. Without this insurance in place you are breaking the law if you employee even a single individual.
Considering the high-risk nature of scaffolders’ work, you may also want to consider personal accident insurance. It’s a type of cover all construction workers consider. It will cover medical costs as well as loss of earnings which come after a serious injury. No one wants to think about the worst happening but when working at height is key to a profession, it is prudent to do so.
Scaffolders Insurance with Just Quote Me
Just Quote Me specialise in helping professionals and businesses find the right insurance for their needs. This includes many in the construction industry, such as scaffolders. We work with you to find affordable scaffolders insurance quotes, offering a range of options to suit various budgets, business sizes and circumstances. Fill out your Quick Quote form today or request a call back from our specialist advisors.
by jqm | Jan 26, 2018 | Business Insurance, Business Insurance Blog
Soft play areas are hugely popular with parents of preschool children throughout the year and older children during the holidays and weekends. They can be extremely busy and the high volume of people, particularly children, increases the potential risks and hazards. It is not responsible or safe to run this kind of business without appropriate soft play insurance. All businesses need some kind of insurance and ones with additional risk such as this, require more specialist cover.
Why Do you need Soft Play Insurance?
Soft play insurance, at a minimum, will cover your business should an employee, visitor or other third party suffer an injury and claim you are negligent. Your insurance also protects your business should any of the above claim their property is damaged due to your business. After an incident is too late to get insurance and you should have the cover in place for your own protection. The costs of a compensation claim can easily ruin a business and it is also unsafe to operate without appropriate cover.
What kind of Cover do you Need?
The only compulsory insurance in the UK is employer’s liability insurance. If you have any employees this is essential to comply with UK law. Most soft play businesses should also consider:
- Public liability insurance: to protect against claims from the general public
- Product liability insurance: to protect against claims made against your business’ products/services
Some soft play insurance may incorporate other elements such as legal expenses insurance, loss of income or business interruptions cover. If you are not sure the level of cover you need, it’s time to speak to the experts.
Soft Play Insurance Quotes from Just Quote Me
At Just Quote Me we work with businesses from all backgrounds. We can discuss a range of soft play insurance quotes with you, giving you a range of options to choose from. Our expert insurance advisors can discuss the policies available too, helping you to make an informed decision. Call us today on 0800 084 2325 or contact us via our online form https://justquoteme.co.uk/contact/.
by jqm | Nov 10, 2017 | Amusement Arcade Insurance, Business Insurance
Amusement Arcade Insurance
Amusement arcades are popular year-round, with the peak season in the summer and as you know, the footfall can be high as many visitors arrive. With high volumes of visitors, amusement arcades can be high risk businesses and therefore specialist amusement arcade insurance is advisable.
Amusement arcade insurance incorporates a range of different policies to protect different elements of your business should the worst happen. The leisure sector has many general insurance policies available but specialist amusement arcade insurance will be tailored exactly to your business. Just Quote Me has considerable experience in this sector and can advise of the level of cover you may need, as well as providing a range of quotes.
Amusement arcade insurance may typically cover:
Public liability insurance
This is probably the most important kind of cover for your business. It ensures you have cover for claims due to injury or loss from members of the public or any other third parties on your premises or in contact with your business.
Employers’ liability insurance
Employers’ liability insurance is a legal requirement if you employ people in your business. It provides financial cover if they are injured or become ill due to their working practices (or claim as such).
Buildings and Contents insurance
Protection for your commercial premises and contents is vital. Much of your equipment and machinery is very expensive so if it is damaged, you need to be able to replace it without significantly impacting your working capital. Buildings insurance will protect you against any structural damage due to incidents such as fire or vandalism. Contents insurance will cover your fixtures and fittings from any losses through damage and/or theft.
Loss of licence insurance
In the amusements industry you need to hold certain licences to operate certain machines, fixed odds betting terminals and similar. If you should lose your gaming licence your amusement arcade insurance may include a clause to protect you financial. This is only the case if the loss is proven not to be your fault.
Amusement Arcade Insurance Quotes at Just Quote Me
At Just Quote Me we work with many businesses in the leisure industry, including many amusement arcade owners. Our experience in business insurance allows us to help you find the right level of cover for your business. We can source a range of quotes to ensure you have options to choose from.
You can get a FREE no obligation amusement arcade insurance quote today on 0800 084 2325 or fill out our Quick Quote Form.
