by jqm | May 31, 2017 | Business Insurance
There are a huge number of businesses in the pet sector. Beyond pet shops, kennels and store there are businesses which offer a range of different services. All businesses in this sector need dedicated pet business insurance tailored to their need.
The pet business sector grows year on year as more people buy and adopt pets. Every responsible pet business owner should ensure they have the right insurances in place. No two pet businesses are the same. Your business may cover may different areas such as grooming, pet sitting, transportation, training or even offering therapies for pets. Your pet business may be home-based, may involve you travelling to others homes or you may have your own business premises. You need to make sure your business is covered for all unexpected possibilities and complications. Pet business insurance helps to ensure this is the case.
Cover Types for Pet Business Insurance
Your pet business insurance should incorporate public liability insurance. This protects it financially should a member of the public make a claim against you. It should also incorporate employers’ liability insurance if you have any employees. This is a legal requirement and you face fines and penalties if you do not have this type of cover in place. Pet business insurance may also incorporate professional indemnity insurance. It is vital if you plan to provide advice and want protection should a customer claim your advice negatively impacted on them or their pet.
Other business insurances such as loss of key cover and property damage insurance may be considerations for pet business owners. If your pet business means you have to enter other people’s homes then both these types of insurance should be a consideration.
At Just Quote Me we work with pet businesses of many sizes to help organise their pet business insurance cover. Please contact us today to discuss your business needs.
by jqm | May 30, 2017 | Business Insurance, Small Business Insurance
A successful hotel should be a busy and bustling place. With staff to handle, guests to satisfy and suppliers to deal with, there are many potential risk points which makes hotel insurance essential. Around the UK there are hundreds of small hotel businesses, all needing their own unique level of cover tailored to their site. Getting a reliable small hotel insurance quote is easy with Just Quote Me as we take into account every aspect of your business, your budget and your requirements.
Will work with you to build a tailored small hotel insurance quote to cover everything you need. Small hotels and guesthouses are usually described as those with less than 20 rooms and your small hotel insurance may need to cover at least:
- Public liability
- Buildings and contents insurance
- Stock cover
- Employers’ liability insurance
- Other covers such as turnover protection and loss of key cover
What Cover will be including in my Small Hotel Insurance Quote?
The real answer to this question is that it is entirely up to you. When you are buying small hotel insurance you need to decide what types of cover you will need. Your small hotel insurance quote will typically cover, at least:
Public Liability Insurance
This will protect you against any compensation claims made by members of the public because of injury or damage which they blame on your business. Your guests and other third parties visiting your business are the reason for public liability insurance.
Employers’ Liability Insurance
As a small hotel owner it’s almost guaranteed you have at least one employee. If this is the case you are legally required to have employers’ liability insurance in place. There are steep fines for businesses operating without employers’ liability insurance in place.
Business Buildings and Contents Insurance
In a business which is so reliant upon its premises, specialist business buildings and contents insurance is a must. This kind of insurance provides you with protection in the event of a fire, flood or theft and the damage thereafter.
Contact us today to get a reliable and good value small hotel insurance quote for your business.
by jqm | May 27, 2017 | Business Insurance
This question is a little like how long is a piece of string. Your business insurance cost will be highly dependent on the size of your business, the level of risk, the type of operations and many other factors. However, your business insurance cost doesn’t have to be something which goes over budget or gets out of hand.
Business insurance should be factored into your budget but you can easily find solutions and cover options tailored to your business at the price you have in mind. At Just Quote Me we work with businesses in many sectors, helping to secure and organise business insurance, at a price which works within their budget.
Business Insurance Quotes
The easiest way to find out the approximate cost of your business insurance is to get a range of quotes. Before this point you should have an approximate figure in mind that you plan to spend. This means you are ready to work with our insurance experts to find insurance which fits your requirements and your budget.
The amount you pay for your chosen business insurance is called a premium. This premium is calculated on a number of things including:
- The nature of your business
- The size of your contracts
- The types of cover you choose
- The cover levels you choose
Business insurers works on the basis of calculating how likely you are to make a claim against the insurance and how much this claim could cost. This in turn means that if you work in a high-risk business, you will have to accept that your premiums may be higher.
At Just Quote Me we appreciate that business owners want the best value and best quality in their business insurance. We will work with you to achieve this and you can find out more by contacting us today.
by jqm | May 26, 2017 | Business Insurance
Recruitment agencies are highly relied upon and trusted businesses. Your advice is something both employers and employees become dependent on. If something should be questioned, negligence claimed or a case brought, you need to be sure you have a good level of specialist recruitment agency insurance. Whether you’re a small individual recruiter or own a large recruitment agency, tailored recruitment agency insurance is essential.
What does Recruitment Agency Insurance cover?
Your recruitment agency insurance can be tailored to your individual business needs. In most instances you will want to consider:
Professional Indemnity Insurance
Professional indemnity insurance is probably the most important type of recruitment agency insurance. It is a vital consideration for any business which offers a professional service to other businesses and individuals. Especially where advice is involved. Should you be accused of giving faulty or ineffective advice then professional indemnity insurance provides the cover you need should a case be proven. Most businesses opt for professional indemnity insurance of £50,000 up.
Public Liability Insurance
Almost all businesses invest in public liability insurance. It protects you should someone be injured on your business premises or due to the course of your work. Many companies will only work with agencies who have this kind of cover in place.
Employers’ Liability Insurance
If you employ a single person then you must have employers’ liability insurance in place. Employers’ liability is a legal requirement. It provides financial cover should an employee be injured or become seriously ill as a result of working for you.
These are the standard types of recruitment agency insurance you may want to consider. Only employers’ liability insurance is a legal requirement, with the risk of financial penalty if you do not have it in place, but all are vital for a successful business. Contact Just Quote Me today to discuss your recruitment agency insurance requirements.
by jqm | May 18, 2017 | Business Insurance, Motor Fleet Insurance
If you run a business and use a van for any purpose, from painting and decorating to floristry, you may have been approached about commercial van insurance. Your van is vital to your business, it is more than a simple domestic vehicle and therefore you need adequate professional insurance. This is what a comprehensive commercial van insurance policy provides. It also helps to ensure you have protection should the worst happen and your van be damaged or even stolen.
For success and smooth running of any business, commercial van insurance is a must. The right level of cover is something you need to assess however, and this is where Just Quote Me can help.
Your Commercial Van Insurance Cover
There are three standard levels of commercial van insurance:
- Third party
- Third party, fire and theft
- Comprehensive cover
The minimum legal requirement you need to be on the road is third party. This cover ensures you are protected should there be any injury or damage to another person of their vehicle. It does not provide any protection for your own vehicle. Third party, fire and theft, as the name suggests, will also cover you should your vehicle be stolen or fire damaged.
Comprehensive commercial van insurance is the maximum cover you can get and often comes with great additional extras. Add-ons such as a courtesy vehicle or windscreen cover can be extremely useful for commercial van owners. What’s more, comprehensive insurance isn’t always a huge increase from third party insurance so it is worth the additional cost.
Multiple Commercial Van Insurance
In the instance that your business has more than one commercial vehicle or van, fleet insurance is a good idea. Many people make a saving even when they have just two commercial vehicles. They can opt for a small fleet insurance policy. You can discuss your specific business needs with us and we will advise the best option for your company and vehicles.
by jqm | May 16, 2017 | Business Insurance
Specialist protection is something plumbers shouldn’t ignore. Investing in specialist plumber’s insurance helps to bring together all the covers a plumber may need in a single package. Whether self-employed or running a larger plumbing business, plumber’s insurance is an essential and it gives you the chance to ensure your business has comprehensive cover.
Plumbers insurance incorporates many different types of cover dependent on the needs of the individual or business. Most plumbers’ insurance will provide:
Public Liability Insurance
While you don’t legally need this type of cover, public liability insurance is one of the most vital types of insurance out there. It will cover any financial liability which may come from a claim being made against your business by a third party. Maybe a third party says they were injured due to your work. Or maybe they suggest damage was done to their property because of your negligence. Public liability insurance will cover their compensation should the claim be successful, as well as your legal fees. Some larger contractors will also only work with plumbers with valid public liability insurance.
Employers’ Liability Insurance
The Employers’ Liability (Compulsory Insurance) Act 1969 makes it a legal requirement to have employers’ liability insurance in place if you employ one or more people. This type of insurance provides protection should your employees fall ill or be injured at work and allege that the business caused their illness or injury.
Additional Plumbers’ Insurance Options
Plumbers may also wish to consider additional cover dependent on the nature and size of their business. Common plumbers’ insurance extras include:
- Tools Cover: you can get cover to ensure your tools are quickly replaced should they be stolen or damaged.
- Buildings Cover: if you have premises for your business then you will want your policy to cover damage against it.
- Vehicle cover: usually you will need separate commercial vehicle cover in additional to your plumbers’ insurance
Arranging all the insurance cover you need as a plumber is easy with Just Quote Me. Contact us today to arrange your quotes and discuss the level of cover you require.
by jqm | May 10, 2017 | Business Insurance
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.
Contact us today to discuss sandwich shop insurance and explore your options.
by jqm | May 5, 2017 | Business Insurance
The UK has an ageing population, with over 17% of the population aged over 65 and as more people live longer, the requirement for quality residential care environments increases. Choosing to run a residential facility is a big task and something you should be passionate about. You also have to be committed to safety and this means investing in proper care home insurance.
Safe as Houses with Care Home Insurance
The main focus of your care home insurance should be protection and safety. You want everyone in your care as well as your staff and any third-party visitors to be safe and protected. Insurance protects against risks and helps you recognise the potential hazards in your workplace.
Public liability insurance is an essential part of your care home insurance policy. It protects you for any legal fees and damages which occur should a third party make a claim against you. This could be one of your residents, their visitors or any member of the public. Care homes have higher risk factors because of the frailty of many residents so slip and trip hazards and similar need to be even more of a focus than in other environments.
If you employ nurses or care workers or any staff at all, your care home insurance will also need an employer’s liability insurance element. This protects your business against claims made by employees.
Additional kinds of cover you may want to consider for your car home include:
Buildings and Contents Care Home Insurance
As a business, you will need specialist commercial property insurance. This is the case even if you live in the same property. Your contents and buildings insurance can be specifically tailored to the functions of your business.
Care Sector Insurance
Some specialist insurance providers do offer unique care sector insurance options, which can help ensure you have cover in areas you may not have considered.
At Just Quote Me we work with you to ascertain the specific requirements for your care home insurance. We can then make suggestions and ensure you have access to the best possible level of cover.
by jqm | May 4, 2017 | Business Insurance
People visit caravan parks every month of the year but once the sun comes out, peak season has arrived. Each summer caravan park owners brace themselves for another busy season and one of the key considerations for preparing for the peak must be your caravan park insurance.
Ask yourself the following questions about your caravan park insurance:
Has anything changed from last year? Does my policy need updating?
If there have been any recent additions or purchases pertinent to your business you may need to discuss these with your insurer. Your caravan park insurance needs to be fully updated in time for the new season, before the guests start arriving and the risks increase.
Are your workers fully insured?
You may not employ anyone on the off-season but if you bring any employees in for the summertime, you need to make sure you have proper employer’s liability insurance. It is illegal to operate any business without employer’s liability insurance, when you employees in your business.
Do you have enough Public Liability Cover?
Your caravan park insurance needs to include a public liability cover element. This protects your business from potential claims made by third parties such as your guests and visitors. It ensures you have financial protection should a claim be made. The right level of public liability cover provides peace of mind as you continue your regular business operations.
Are there other types of insurance I should consider?
Every business is different and your caravan park insurance should reflect the needs of your business. You may want to invest additional cover such as vandalism, accidental damage or disaster protection but this will depend on your particular business.
Just Quote Me can discuss your caravan park insurance options with you at length. We work with you so you can achieve a level of cover which suits your business and your budget.
by jqm | May 3, 2017 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance Broker, Zoo Insurance
The busiest time of the year for zoos, farms and wildlife businesses is coming up, is your business ready to trade? Zoo insurance or the relevant wildlife or farm insurance for your business helps to guarantee you have a protective buffer against any worst case scenarios.
Many zoos have recently faced closure and there are very close guidelines and regulations to follow in this industry. These considerations plus general business sense have made getting a good level of zoo insurance cover more important than ever before. A compensation claim could be enough to close a struggling business so ensure yours is protected.
What will my Zoo Insurance Cover?
At Just Quote Me we specialise in helping business owners getting the level of cover essential for their individual circumstances, which may change from company to company. Your zoo insurance will depend on many different elements but most policies may include:
- Public liability: for financial protection against claims made by third parties such as customers
- Employer’s liability: for financial protections against claims from employees (a legal requirement if you have any employees in your business)
- Business interruption insurance
- Livestock insurance
- Cover for transit of animals
As you can see many of these kinds of cover are very specific and niche. It is important you consider your options carefully. Specialist insurance cover can be expensive. However, when you choose to run a business in a niche area it is unfortunately necessary. Work with an experienced insurance partner like Just Quote Me to make your options easier and clearer. Our knowledgeable team can discuss your zoo insurance options to ensure you get the level of cover required.
Please get in touch today to discuss zoo insurance quotes and any other questions you may have about your cover.
by jqm | Apr 29, 2017 | Business Insurance
Soft play is big business, whether mobile or in a single venue, kids and parents alike love the freedom it offers. If you have invested in a new children’s play business then you must make sure you have an adequate level of soft play insurance. There are many risks in this kind of business and all sensible business owners will do all they can to protect their company and also their guests and customers.
Soft play businesses are not a cheap investment and you probably already know it is a large commitment before you begin to turn a profit. Therefore, by not getting adequate soft play insurance cover, you are effectively leaving your expensive new business open to risks and potential compensation claims.
Soft Play Insurance to Protect against Risks
Soft play businesses thrive on children running around, throwing themselves about and getting in many situations where they could be at risk of injury. This makes it a relatively high risk business and not investing insurance leaves you wide open to claims from parents and others who may suggest your business is responsible for their child’s injury or accident. It is imperative you have adequate cover for your business. Both public and personal liability insurances should be a key consideration and if you have anyone working for you it is a legal requirement to have employer’s liability insurance in place too.
Discussing your business with Just Quote Me gives you an opportunity to discuss all your potential soft play insurance needs. Our professional advisors may be able to provide suggestions as to the levels you need and the different types of cover which your business really needs.
Running a business for children is great fun and comes with vast amounts of satisfaction but you still need to be mindful and adult when it comes to protecting it. You need to invest in soft play insurance.
by jqm | Apr 27, 2017 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Small Business Insurance Quote
Are you looking for a small business insurance quote in the UK?
The good news is that Just Quote Me can help.
The insurance team at Just Quote Me understand that every business is different and that the insurance policies that they need to reflect this.
Just Quote Me can provide the right small business insurance cover wherever you are based in the UK
Just Quote Me have arranged the most appropriate cover for many satisfied customers regardless of what profession they are in. Visit our Business Insurance section to find out more useful information or call us today for a free no obligation quote.
Business Insurance is important to your company
Don’t make the mistake of assuming that business insurance is a luxury that you do not really need to have. It’s important you consider the various types of cover available such as:
- Public Liability Insurance
- Employers Liability Insurance
- Working at Height Insurance
- Key Man Insurance
- Motor Fleet Insurance
- Restaurants & Cafes Insurance
- General Contractors Insurance
- Cleaning Contractors Insurance
- Residential Lettings Insurance
- Estate Agents Insurance
- Letting Agents Insurance
- Mortgage Brokers PI Insurance
- Commercial Lettings Insurance
- Hotels & Guesthouses Insurance
- Takeaways and Fastfood Outlets Insurance
- Professional Indemnity Insurance
- Tradesman Insurance
- Pub, Club and Restaurant Insurance
- LPG Business Insurance
- Security Company Insurance
- Shop Insurance
- Cyber Liability Insurance
- Landlord Insurance
- Office Insurance
- Commercial Combined Insurance
- Motor Trade Insurance
- Investments Insurance
- Pension Insurance
- Life Insurance
- Multiple Vehicle Insurance
- Car Insurance
- Van Insurance
Just Quote Me has been a leader in the insurance field for nearly three decades, protecting businesses across the UK from those unexpected claims that can arise from time to time, often through no particular fault of their own.
To discuss your small business insurance needs call 0800 0842 325 today. We are here waiting for your call and only too happy to help.
