by jqm | Oct 30, 2017 | Business Insurance, Mini Fleet Insurance
Mini Fleet Insurance
Depending on the insurer you speak to a mini fleet can be anything from two vehicles up to fifteen. Mini fleet insurance is an essential investment for businesses with a small number of vehicles who want to get the best price for their insurance. Mini fleet insurance can cover cars, motorcycles, vans, trucks and a range of other vehicles used for the transportation of goods or people for business. Vehicle insurance is compulsory and investing in mini fleet insurance can mean a saving for your business.
What does Mini Fleet Insurance Cover?
Your mini fleet insurance will be specific to your business and depend upon the vehicles you need cover for. For cars alone you may only need third party insurance but you may want to invest more heavily in comprehensive insurance for a higher level of protection. What’s more if you are transporting goods you may also want to look into goods in transit protection so you have additional financial cover should anything untoward happen.
Some insurance companies go further and incorporate additional types of cover in their mini fleet insurance. Legal assistance insurance is quite common and also breakdown cover and home start are commonly seen. Uninsured loss recovery and guaranteed replacement vehicle options are also available with some insurers.
In most businesses vehicles are used by several staff members so multi-driver cover will be a necessity. Most mini fleet insurance policies only cover drivers aged 21 or over and some start at 25 or over.
Benefits of Mini Fleet Insurance
Most businesses will be drawn to a fleet insurance policy because of the cost benefits. It is more affordable to invest in mini fleet insurance than to insure each of your business vehicles individually. What’s more, with a mini fleet insurance policy you can add and remove vehicles as you need, making it more flexible as your business grows. In time you may even move onto a general fleet insurance policy. Most insurance companies will be happy to move your policy as you require and support your business as it grows.
Just Quote Me provide vehicle insurance quotes for many different purposes, particularly for businesses. We can help you find and compare quotes for mini fleet insurance and find the right insurance provider for your business. We appreciate the need for affordability in insurance which is why we make sure you can find cheap quotes today or whenever suits your business.
by jqm | Oct 24, 2017 | Business Insurance, Telehandler Insurance
Telehandler Insurance
Many agricultural businesses would be lost without their telehandler or telehandlers, so what would you if it was damaged, or stolen? Telehandlers are a key piece of plant for many businesses and like all key assets in business they should be insured. Telehandler insurance can be packaged in a number of ways. Lots of business owners like to get as much cover as possible for their key machinery, including telehandlers and it is possible to arrange a telehandler insurance policy which incorporates any driver cover, as well as protection against theft or accidental damage.
Hired Telehandler Insurance
Some businesses opt to hire their machinery simply for ease and to ensure they can regularly update the equipment when required. Many hire policies allowed you to swap older equipment for newer models which is less easy when you’ve purchased it outright. When you hire a telehandler the hire contract will include clauses which state how you must care for the equipment. You will be expected to keep it in good condition, working order and ensure it is safe. Some contracts may even state you must have telehandler insurance but most don’t. However, if you want to honour the agreements in your contract, hired telehandler insurance is recommended. Hired telehandler insurance will cover any compensation necessary should the machine be damaged or stolen. It will also cover any related legal fees and ensure you are protected financially should anything happen to the equipment.
Own Telehandler Insurance
When you purchase your own equipment, insurance can seem less important. This shouldn’t be the case. Although if something goes wrong you are not liable to any other company, you could see immediate negative business impact. Insuring your telehandler or telehandlers makes good business sense. The insurance will cover the equipment should it be damaged or stolen while in use. It will also cover the drivers you need it to as already mentioned, and there are a wide range of different elements of telehandler insurance you may want to look into more closely.
Just Quote Me specialise in working with businesses looking for specific types of insurance. We have experts in many different insurance fields and can help ensure you have a range of options and can compare quotes when organising your telehandler insurance.
Please get in touch with us today to discuss your business, your plant and machinery insurance requirement and specifically to discuss your telehandler insurance cover options.
Contact us to find out more about Telehandler Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Oct 9, 2017 | Business Insurance, Cafe Insurance
Café Insurance
Running your own café business comes with many responsibilities. You may be the heart of your local community or an up and coming venue for the local arts scene, but whatever type of café you run, you have to run it legally. Café insurance is designed to protect your business should a number of financial issues occur. It is made up of a range of different types of insurance to cover you in many different situations.
Café insurance quotes come in all shapes and sizes, much like the businesses themselves. Whether you’re an experienced business owner or opening your first café ever, café insurance doesn’t need to be an issue. With Just Quote Me you can compare quotes online, speak to our business insurance experts and guarantee a good level of café insurance for your business.
What kind of cover is included in Café Insurance?
All insurers will offer slightly different policies so it is important to look closely and compare quotes online to find what’s right for your business. Typically café insurance may include:
- Public liability insurance: not a compulsory requirement for your business but highly recommended. This provides cover should a member of the public be hurt on your business’ premises as a result of your actions or negligence.
- Employer’s liability insurance: this is the only compulsory insurance for businesses in the UK. You must have employer’s liability insurance to operate legally. It provides cover should a member of your staff be hurt or become ill while at work or due to their working practices.
- Buildings and content cover: as commercial premises you cannot simply get a regular buildings insurance policy. This is especially the case as you serve food. You need buildings and contents insurance specifically designed for cafes.
- Stock cover: the stock required to run a busy café can be extensive and you may want to protect it due to its value to your business. If your systems should fail and you lose stock due to refrigerators or freezers breaking down.
Additional insurances such as business interruption and key personnel insurance may also be considerations for your business. Café insurance can differ from business to business and you simply need to consider your individual business and your requirements. If you have even a single employee you must have employer’s liability insurance in place but all other insurances are your choice and it is up to you how much you value your business and how you plan to protect it.
Just Quote Me is available to help you compare café insurance quotes online and can discuss your options with you too.
Contact us to find out more about Cafe Insurance:
Go to our online Quote System or call us on 0800 084 2325
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by jqm | Oct 5, 2017 | Business Insurance, Cyber Liability Insurance
About Cyber Liability Insurance
Almost every business, in any sector, now has some reliance upon information technology. Whether your business has a huge IT infrastructure or only occasional use of online services, there are potential risks that come from a business connected to a worldwide network.
Relying on the internet and IT to any level opens your business up to threats and risks including business interruption and financial loss, which in turn can lead to reputational damage, entirely down to the failures or problems with your IT systems.
Cyber Liability
A survey by the UK government found that 81% of large corporations and 60% of small businesses suffered a cyber breach in 2014. These threats and breaches come in many forms and can be anything from device theft to website hacks to malware, data loss and fraud. The same government survey also found that the average cost of a single breach is £600,000 to £1.15m for large businesses and £65,000 to £115,000 for small-to-medium sized businesses. These kinds of costs are enough to break a business and even cause it to close which is why you need cyber liability insurance.
Data leaks and losses can be the end of a business and so it is integral your personnel both understand the risks and are educated to handle them effectively.
As the above information shows, it doesn’t matter how large or small a business is, the risk is there. There has been policy to protect against these breaches, thefts and leaks for many years and as well as providing insurance, businesses have come to accept that cyber security is also a risk management technique. You have a responsibility to your customers and clients to have effective security in place to protect your IT infrastructure and the data it holds.
The sophisticated nature of hackers and online criminals means that businesses have to be agile. Just Quote Me is partnered with Cyber AMI to ensure our level of cover and education does not disappoint. Our partners are an accredited Cyber Essentials Training Partner and they specialise in providing training and education for your business and your staff, to ensure they are equipped with all they need to know about protecting the company against potential risks relating to IT. They provide education and training for absolute beginners as well as those who have experience in this area and are committed to training all staff beyond benchmark level. This equips your company with the tools it needs to protect against potential threats against your business online, protecting your reputation and financial position.
Protect your Business Reputation
Cyber and data risks can negatively impact your business and they are increasingly hard to protect against, as the technology behind the threat evolves. With Cyber AMI you have a specialist partner who evolves at the same pace as the threats, ensuring they are kept at bay and your business is fully protected.
Just Quote Me is proud to offer our clients cyber liability insurance through our partner company who are recognised experts in their field.
Get a FREE Cyber Liability Insurance quote
Contact Just Quote Me today to get your FREE no obligation Cyber Liability Insurance quote on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Sep 14, 2017 | Business Insurance, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote
Get A Business Insurance Quote Online Today
As specialists in this sector, Just Quote Me asking the very simple question ‘What is business insurance?’ may seem a bit strange but it is a common query from new business owners. What’s more even some experienced owners aren’t entirely sure what it is and why they need it so here we’re looking more closely and fully answering the question: what is business insurance?
Business insurance protects companies against losses suffered in the day to day activities of their business. It is especially important should there be a compensation claim made against your company and it covers a range of different types of insurance usually.
Why do I need Business Insurance?
Most types of insurance are not compulsory. However, you need business insurance if you want your business to be protected against every day risks. It can cover everything from professional mistakes to accidents and theft and damage.
Also, some companies only work with others which have particular types of cover in place. If you want to secure bigger contracts and more clients, it is often prudent to ensure you’re insured. The only type of insurance which is a legal requirement is employers’ liability insurance. This is only the case if you have any staff at all.
However, you may also find that your industry regulatory body only accepts members with certain insurance covers too so investing in business insurance is a sensible move.
What type of Business Insurance Cover do I need?
As mentioned, if you have staff, it will be essential to have an employers’ liability policy in place. It is also common for most business insurance packages to include public liability insurance and also professional indemnity insurance. The latter is a particular good choice if your business deals with advice, client data or intellectual property.
At Just Quote Me we have worked with many businesses over the years. We work to ensure they have the level of cover they need at a price which is suitable for their business. If you would like to find out more and discuss your options, please call us today.
by jqm | Sep 10, 2017 | Business Insurance
Whether you have turned your home into a business or have invested in a B&B elsewhere, it is imperative you have the right B&B insurance to protect your guests and your business. Many people are choosing to open their homes to paying guests or invest in holiday business properties to earn a little extra income. Whether you are a first-time B&B owner or a veritable veteran, you need B&B insurance for the benefit of your business.
Specialised B&B Insurance
Wherever your business is based in the United Kingdom, you will need adequate B&B insurance. IN most instances, B&B insurance is a fairly specialised arrangement with your chosen insurer, with many specific clauses relating to your business and customised specifically to your business needs. Whether you let out a single room in your home or have a large B&B, there is an insurance package out there for your business and it can be found at a price to suit your budge. At Just Quote Me we have worked with many B&B owners to help secure the perfect level of cover for their business.
B&B Insurance Cover
The cover you arrange for your Bed and Breakfast may cover many different areas. It is illegal to operate without employer’s liability insurance if you employ a single person and you may also find it best to invest in public liability insurance to protect your business from the legal costs of compensation and to fight against claims made. B&B insurance may also incorporate more specialist elements such as:
- Loss of bookings cover
- Legal protection
- Cover for guests’ belongings
- Personal liability insurance
When you discuss your insurance needs with Just Quote Me one of our experienced professionals will help find the best provider and customised package for your business needs. We recognise every business has its own unique elements and work with you to find the insurance which works best and ensures the best value and level of cover.
by jqm | Jun 30, 2017 | Business Insurance
Pop up shops have been popping up everywhere over the last few years. But did you know that you still need pop up shop insurance? In fact, pop-up retail has taken the UK by storm over the last few years. Temporary shops have become a regular sight across the country. Worth around £2.3 billion, the UK’s pop-up industry accounts for about 0.76% of overall retail revenue. That’s according to a report by telecoms company, EE. And given the hikes in business rates now facing retailers, the number of pop up shops will likely grow.
Why open a pop up shop?
It’s impossible to miss the many empty shop fronts scattered along the UK’s high streets. Some of the largest retailers have shut up shop over recent years, leaving a number of empty lots behind. But this is where pop-up shops can be extremely beneficial. Pop up shops only require the shop owner to pay rent for a short period of time. They don’t need to worry about making a long-term investment or committing to a lease. Pop up shops allow you to either start out or boost your business. They can become a great marketing opportunity too and even becoming increasingly popular with some of the largest high street brands.
Starting your own pop up shop
A pop up shop provides a great opportunity to sell your items or services. You can also use it to test out new products and promote your brand. You can do all of this, without the cost and commitment of a permanent shop. However, make sure you think about these following points before you pop up your pop up shop.
- Design your pop up shop experience. Make your shop more than just a temporary place to sell your products.
- Find the right pop up space. You can search for pop up shop opportunities in your city by looking at websites like thestorefront.com. You’ll need to think about the size of the space you need and any specific facilities you require.
- Consider the logistics. You’ll need to think about how you will accept customer payments, get your products to the pop up shop. Also, give plenty of thought to how you want to set it up and who will run it.
- Get the right insurance cover. Before you open the doors of your pop up shop, make sure you have appropriate pop up shop insurance. Your pop up shop is just like any other shop on the high street. Therefore, you need the protection of pop up shop insurance, in case of an accident or damage to your property.
- Think about your budget. A clear budget for your pop up store is essential to understand whether it’s a worthwhile investment. Consider how much rent will cost you, staffing, the cost of designing the interior and marketing of the shop.
- Promote your pop up. There are a number of creative ways you can promote your pop up shop. From reaching out to local bloggers, contacting local reporters to organising a flash mob.
Pop up shop insurance
Pop up shops offer businesses an exciting, short term product driven, sales opportunity. However, they still need to follow the same regulations, just like any other business. And this includes full insurance cover. Just like insurance for traditional shops, pop up shop insurance covers you for:
- Employer’s liability.
- Public liability.
- Contents, fixtures and stock.
- Accidental damage.
- Business interruption.
- Loss of profits.
But don’t forget, if your pop up shop is a success and you want to transform it into a permanent fixture, then it’s important that you contact your insurer to change the details of your shop insurance as soon as possible.
by jqm | Jun 28, 2017 | Business Insurance, Office Insurance
Your office is the hub of your business and where all the important stuff happens. With this in mind investing in a good level of office insurance is vital for the successful business. Most office insurance policies have three key elements:
- Protection of your premises and equipment
- Protection of your staff and customers
- Financial support should their be a pause in trading
The level of cover you need in each area will depend on many different business factors and the overall cost too will be effected in this way. However, Just Quote Me can organise your office insurance from just £225 a year, giving you that extra level of protection and peace of mind for your business.
Office Insurance Cover
Office insurance cover may factor in many different elements but most policies will include:
Public Liability Insurance
For protection of your business and your customers. Public liability insurance cover loss, damage or injury to third parties in your office and in its immediate area such as private car parks etc.
Employers’ Liability Insurance
A compulsory requirement if you have a single employee. The legal minimum of employers’ liability insurance is £5m and ensures your business is prepared should an employee or ex-employee sue for compensation.
Office Buildings and Contents Insurance
If you own the building your office is in then you need buildings insurance to protect it. Office contents insurance is essential if you rent your offices unfurnished as it protects your equipment and other ‘contents’ essential to your business including shelving, desks, furniture etc. Unless you rent a furnished office then contents insurance should be a real consideration.
Business Interruption Insurance
If your office is damaged, ruined or becomes unusable, business interruption insurance will keep your rent paid as well as other overheads such as wages and expenses which still need to be paid despite the interruption of your business duties.
Just Quote Me can arrange office insurance for practically any business. As mentioned our prices are competitive and if you get in touch today we will quickly and efficiently help find the right solution for your business.
by jqm | Jun 23, 2017 | Business Insurance
The retail industry in the UK has taken a bit of a battering but there are still plenty of popular and bustling shops up and down local high streets. Running a shop is not the easiest job but it can be very rewarding and as a business owner in a difficult area it makes sense you want to do all you can to protect your business. Investing in the right shop insurance can help as you have additional protection should the worst happen. What’s more, one claim made against a smaller shop or struggling business can be enough to see them permanently closed. The cost of shop insurance seems minimal when you consider the closure of your entire business.
What Shop Insurance Cover Do I Need?
A good insurance package will provide you with a range of covers for different scenarios. With help from Just Quote Me you can arrange a bespoke shop insurance package covering those areas you most need protection. A typical shop insurance package may cover:
- Buildings and contents insurance
- Window and glass insurance
- Public liability insurance
- Employer’s liability insurance
- Loss of key cover
These are just a few possibilities however and dependent on the nature of your business there may be other types of insurance you want to explore. Different types of shop have different levels of risk and this is another consideration for your policy. If you sell dangerous and hazardous products then you should be ready for a higher premium than a shop which simply sells clothes, for example. There are also specific laws in place for shops which sell food and food safety insurance may also be necessary.
Your Shop Insurance with Just Quote Me
Just Quote Me can help you with your shop insurance whether you know exactly what you’re looking for or are unsure. Our professional team can make suggestions and offer guidance as well as provide a range of shop insurance quotes within your budget for you to choose from.
To discuss your retail business and insurance requirements contact us today.
by jqm | Jun 21, 2017 | Business Insurance
The fitness industry in the UK is booming. Year on year it grows and there are nearly 7000 individual fitness facilities in the UK. There are also over 9 million memberships. Working in the fitness industry can be fun and motivating but it is still business and needs to be treated as such. Gym and health club insurance is essential for a successful business and helps protect you should the worst happen on your premises or to your clients.
Protecting your Business and your Clients
Gyms are high risk environments. The risk of injury and accident when using equipment, free weights and more is obviously high. Your business needs to be ready for the worst. This means ensuring you have adequate gym and health club insurance in place should an accident occur and you be found negligible. Gym and health club insurance may also cover other important things such as professional indemnity and employer’s liability. Professional indemnity insurance is a sound investment if advice is key to your role and in fitness businesses, this is often the case. Employer’s liability insurance is an essential investment if you employ even a single person. The only kind of insurance which is a legal requirement, employer’s liability protects you should an employee or ex-employee make a claim due to accident or illness they blame on working for your business.
Gym and health club insurance is unique to each business. No two policies will be identical as all businesses have their own concerns and focuses.
Gym and Health Club Insurance with Just Quote Me
At Just Quote Me we work with many clients to find and invest in the right insurance package for their businesses. We work with fitness industry professionals regularly helping to secure the right gym and health club insurance for their businesses. We help you to secure the best possible gym and health club insurance for your business.
Call us today to discuss your insurance requirements.
by jqm | Jun 16, 2017 | Business Insurance, Pub Insurance
The weather is finally getting warmer. This means your customers will want to get out in your beer garden to enjoy their drinks al fresco. But combining alcohol with heat, pint glasses and gazebos can create certain problems. However, just by taking some preventative measures, you can ensure your pub garden remains a safe place for your customers to enjoy.
Check the condition of garden furniture
Last year’s garden furniture might have looked great then, but it can have to endure a lot in a year. Bad weather and general wear and tear will affect the condition of your furniture. Check over all the furniture and make sure it’s in good enough condition. If you have smoking shelters, then check they survived too. In fact, over the winter, storm damage to smoking shelters can often be the most common claims insurers receive. You should also check all the umbrellas still remain firmly stuck into the ground and that decking and patio isn’t slippery after rain.
New activities, services or equipment
If you want to introduce some new activities this year, consider what implications these could have on your existing insurance. Even something as simple as a temporary bouncy castle or a BBQ. So, check your current policy or contact your insurer to make sure you have the right cover.
Switch to plastic cups
Ideally, pubs should aim to collect in all glasses, pint pots and tumblers after dark. This will help reduce theft and keep your customers safe. Alcohol makes people dehydrated a lot quicker when the weather is hot. So, you need to keep an eye out for those customers who are getting very drunk. The easiest way to minimise the risk of broken glass is by removing it altogether. Switching to plastic cups will be much safer for everyone. You will find that some customers won’t be happy about it though. So you’ll need to explain that you are just considering their safety.
Take on extra staff
If you are planning to hold events during the summer, you might want to consider employing extra staff on site. With potential underage drinking, drunken arguments and other antisocial activities regulated, your bar staff can concentrate on their job. If you’re a small establishment, make sure at least one member of staff regularly walks around the premises to check on things.
Always know who is buying from the bar
When the bar becomes exceptionally busy, it can become difficult to control who is at the receiving end of a round. This can be particularly true when parties have hidden themselves away at the back of the beer garden. Therefore, always operate the Challenge 25 or Challenge 21 rule. Ask the person buying the round who they drinks are for. Never worry about asking these questions. It’s your job and license on the line after all.
Know the law
You can’t expect to remain claim-free if you don’t follow rules outlined in your licence or within UK law. Avoid extended drinking hours if you don’t have the appropriate licence. Also, try to reduce the noise after 11pm if your pub is in a residential area. If someone submits a claim, things will become more difficult for you if you are already breaking the law.
Choose the right pub insurance
Choosing the right insurance package to suit your pub is essential. Business insurance is a legal requirement for all pub owners, but cover requirements will vary. You should make sure you have insurance for:
- Public liability in case someone becomes injured or property becomes damaged due to negligence on your part. Both of which become more likely when people have been drinking a lot of alcohol.
- Employer cover. This will protect you in case your employees become injured or ill as a result of working for you.
- Protection from theft and accidental damage.
- Business interruption in the event of losing your liquor licence or if the pub becomes flooded.
- The pubs convents, which includes all fixtures and fittings.
by jqm | Jun 8, 2017 | Business Insurance, Commercial Insurance
Hoteliers are hoping that 2017 will become a record year for the UK hotel industry. Hospitality experts predict that the UK will see an increase in both international and domestic visitors holidaying in the UK. In fact, 63% of international tourists say they are now more inclined to holiday here, compared to last year. That’s according to a recent survey by Barclays. Meanwhile, 31% said the weaker pound was their reason behind choosing a UK holiday. But perhaps the more surprising reason for coming to the UK came from a fifth of respondents. They revealed that watching TV programmes about the British Royal Family influenced their choice of holiday destination.
Staycations boosting UK hotel industry
And it’s not just foreign visitors choosing the UK for their next holiday. The UK staycation has never been so popular. Almost a third of British holidaymakers expect to stay in the country for their holiday, with many believing they get more holiday for their money that way. Around 7.3 million Brits chose to holiday in England in early 2016, a 10% rise on the year before, says Visit England.
Looking ahead
Despite a slump at the end of 2016, the outlook for 2017 looks far more optimistic. The number of overseas tourists is expected to rise over 4% in the next year, according to VisitBritain. Meanwhile, inbound tourist spending will likely see an 8% boost. And while good news, hotels must quickly adapt to the rapidly changing marketplace. Over the next year, hotels will need to utilise tactical deals and offers to attract price-savvy travellers. Promoting key features like amenities, quality service and room service will also become more important than ever before. And as we start to gradually realise the true impact of Brexit, hoteliers will need to maximize their revenue from every booking they make.
Hotel insurance
If hotels in the UK are going to be enjoying a boost in trade this year, then it’s even more important to make sure you have the right insurance cover. Your insurance package should be tailored to suit your business needs, while also including:
- Buildings and contents.
- Public liability.
- Employer’s liability.
- Business Interruption.
- Legal Expenses.
So whatever might be ahead for UK hospitality, at least you will have peace of mind that you are prepared for the unexpected. After all, to secure the future of your business, you need to start protecting it today.
