Solariums Sun Bed Insurance: What You Need To Know

Solariums Sun Bed Insurance: What You Need To Know

Running your own tanning salon is a dream for many and is an excellent business venture. Before setting out to open your own salon, you’ll need to consider the unique set of risks that come with this industry. Sun beds come with their concerns, and because they are part of your business, you will need to address these. Solariums sun bed insurance can help protect you should something go wrong. Knowing what insurance you need and where to get it is often confusing.

What Solariums Sun Bed Insurance Is Required?

Because sun beds can pose risks to both customers and business premises, there are various insurance options to consider. The types of insurance you will need will depend on the size and scope of your business. Whether you choose to buy your own sun beds or rent them from a supplier, you need to make sure they are covered. Because most standard contents insurance won’t cover sun beds or solariums, you may need to find specialist insurance.

Solarium sun bed insurance will be designed to specifically cover against the risks of sun beds, including fire, theft and flood. In addition to protecting the equipment in your salon, you will also need to protect your customers. Because sun beds come with risks, you may need public liability insurance. This cover will protect against any legal costs that may incur if a claim is made against you because of injury to a customer.

Where To Get Solariums Sun Bed Insurance

Sun beds are a fairly specialist area, and because of this specialist insurance is often required. Not all insurance companies will offer solariums sun bed insurance. Here at Just Quote Me, our team of experts can help you to find the right policies to meet your needs. We pride ourselves on getting to know your business, in order to recommend the best options.

Are You Looking For Sun Bed Insurance?

Get in touch with Just Quote Me today for your free quick quote for sun bed insurance.

Manufacturing Insurance

Manufacturing Insurance

The term manufacturing means different things to different people. Across the UK, businesses are currently manufacturing everything from clothing to car parts, washing machines to computers.  It’s no wonder; then, that, when it comes to manufacturing insurance, one size definitely doesn’t fit all. And why most companies use insurance brokers to help them find the right coverage for them in a complex market.

Manufacturing Insurance Policies

A good manufacturing policy will protect a business from a range of risks. This ensures they can continue to operate even if something significant goes wrong. Depending on the type of business, the level of risk, and the level of cover needed will differ. Insurance brokers, therefore, will often combine policies to get the best deal for their clients. These combined policies should include:

  • Public liability: covers businesses for accidents involving visitors where the business is found to be at fault.
  • Employer liability: covers businesses for workplace accidents involving their employees (again, where they are at fault).
  • Equipment: covers businesses for damage to equipment such as computers
  • Machinery: covers businesses for damage to machinery used to produce goods
  • Business interruption: covers businesses if they cannot operate for any period of time, as a result of fire or flood, for example. It can also include coverage for businesses if they cannot access the needed supplies.

It’s important to note that the Employer’s Liability Insurance is mandatory, whether or not a business takes out any other element of manufacturing insurance. However, while other insurance might not be required legally, the risk of not being insured is high and probably not worth taking.

Buying Manufacturing Insurance

For businesses looking to take out or renew their manufacturing insurance, call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

What Is Electrical Contractors Insurance?

What Is Electrical Contractors Insurance?

Electrical contractors insurance gives you the peace of mind to accept electrical jobs and provide the best possible services. Electrical contractors maintain, install and design lots of diverse complex electrical systems regularly. So many businesses, homes and individuals rely heavily on these expert services. With the best possible insurance from a policy that meets your individual preferences, you are ready for any contingency.

Electrical contractors insurance gives you the assurance and motivation to concentrate on what you love. Getting free online electrical contractors insurance quote is easy. At Just Quote Me, fill in our Quick Quote Form and we’ll get back to you with the best options for your needs.

Moreover, working as an electrical contractor has its risks. Your work might also mean others are at serious risk of injury or accident. It’s the simple reason that savvy contractors in the electrical industry invest in the best available insurance. An insurance provider such as Just Quote Me ensures that you get specifically what you need. Whether its electrical contractors cover or other tradesmen liability cover, it’ll be customised to meet your needs.

Vital Electrical Contractors Insurance

With so many areas for electrical contractors to make most of insurance, public liability insurance is a great option. Basically, this vital tradesmen insurance protect contractors in case their work injures others or damages property. As expected, a good electrical contracting business could require the contractor to hire an employee or two. In such a case, the government requires that you get compulsory employers’ liability insurance. It protects the contractor from any claim made by an employee out of injuries or sickness from working for you.

Are you looking for electrical contractors insurance?

You can get a tailor-made electrical contractors insurance today to protect your business. Request a Callback now or call Just Quote Me today at 0800 084 2325 to get started

Top Tips For Buying Manufacturing Insurance

Top Tips For Buying Manufacturing Insurance

A place of manufacturing is always a busy and exciting place to be. However, with the activities, machinery and expertise required, it can be a place with a high level of risk. Risks of accidents, machinery breakdown and even issues with Intellectual Property can be high in a manufacturing environment which is why manufacturing insurance is essential.

Did you know that 20% of all workplace claims take place in the manufacturing industry? Protecting your business with manufacturing insurance is of high importance. Here are the top tips to help you before you buy.

Check your must-have cover for manufacturing insurance

There are a few key elements that your manufacturing insurance really must include. These consist of;

Employer’s liability – A legal requirement for protecting your staff.

Public liability – To protect contractors, visitors and anyone else who may suffer harm as a result of your business

Product liability – If anything your company produces is faulty; this insurance can help protect your business if the product causes harm or injury.

Tools and equipment – With expensive and vital machinery in use, high-value tools and equipment may need protection in case they are stolen or damaged. This helps to ensure business continuity.

Vehicle insurance – Whether you have one vehicle or a fleet, it is the law to ensure that all vehicles have adequate insurance.

Consider the extras

There are some coverage options that may not be applicable to all manufacturing businesses but are often advisable if relevant. These include;

Transportation insurance – This will help to protect your products until they reach the door of the buyer. This is essential for ensuring you don’t lose out financially while goods are in transit.

Business interruption insurance – Make sure you can cover fixed overhead costs if, for any reason, your business cannot operate as normal.

Do you have questions about Manufacturing Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Cyber Liability Insurance

Cyber Liability Insurance

According to the UK Government, last year, over 30% of businesses and 22% of charities experienced a cyber-attack or IT-related security breach. This figure has increased year-on-year for the last four years. Some experts estimate each incident costs companies approximately £27,000 to recover. With this in mind, cyber liability insurance becomes essential.

What is a cyber-attack?

The press often focusses on large-scale breaches, such as the NHS ransomware attack of 2017. However, many cyber-attacks are smaller in scale, though they can be just as disruptive to businesses. They include:

  • Phishing emails aimed at gaining access to systems by encouraging staff to click on links embedded within them.
  • Attackers impersonating their company in order to attack customers and clients.
  • Viruses and malware, including ransomware, which can steal data or shut down systems.

Given how many businesses rely on IT to carry out their day-to-day operations, it is vital, therefore, they are protected. This includes having the right IT systems in place to keep their, and their clients and customer data, safe and insurance for if they are attacked.

What does cyber liability insurance cover?

As with all insurance, cyber liability insurance covers different things depending on the level a business chooses. However, for fully comprehensive cover, it should include financial cover for handling:

  • Data breaches
  • Compensation claims
  • Losses and interruptions
  • The aftermath and impact of a cyber-attack
  • Hardware and system repair and replacement

Ideally, it should also include forensic investigation and specialist IT support.

Buying cyber liability insurance

Companies should opt for comprehensive insurance wherever possible to ensure they are covered for all eventualities. The best way to find this is through an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no obligation, cyber liability insurance quote.

Late Night Bar Insurance

Late Night Bar Insurance

Looking For Late Night Bar Insurance?

Are you a looking for cover for your bar premises?

If you own or manage a late night bar in the UK you will need cover to protect members of the Public at all times whilst on or about your premises.

You will also need to protect them against the possibility of injury or discomfort caused by any products sold by you to them.

This would be covered by our online late night bar Insurance, and there are a number of other covers such as stock, food and frozen food insurance plus beers wines and spirits cover.

We also offer property protection such as buildings insurance or indeed fixtures and fittings cover for which you may be responsible under a tenancy agreement or any other improvements that you personally have paid for to enhance the public’s experience at your premises.

 

Cover for injuries that occur at your premises

What happens if a customer injures themselves on your premises or alleges that an injury occurred on your premises?

Do you have the correct procedures in place to monitor all slips and trips on your premises?

Do you have a cleaning up process already in place for spills?

Do you have an accident book to report any such injuries and state what action was taken to prevent further injuries taking place?

 

No win no fee claims on the rise

With the rise of no win no fee the licensed trade has seen the number of claims rise drastically over the recent years as members of the Public have alleged incident where they have injured themselves have actually happened whilst they have attended a licensed venue.

Could be your late night bar be able to provide evidence to defend any such allegation if indeed untrue?

With late licence venues being able to open 24 hours a day then this has created a difference in drinking and socialising habits in the UK and our Insurance policies have changed to cater for this.

 

Contact us for your late night bar insurance

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Why recruitment agencies need insurance

Why recruitment agencies need insurance

In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.

Know your exposures:
  • Failure to perform required background checks on candidates
  • Placing a candidate who does not have the suitable experience or qualities for a role
  • Passing a CV to an existing employer or third party without a candidate’s expressed consent
  • Vicarious liability arising out of actions of on-hired employees

A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.

The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.

The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.

The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:

  • Have professional indemnity insurance
  • Keep good records of all your interactions with clients
  • Understand your obligations when prospecting and vetting candidates
  • Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;

Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.

Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.

Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.

Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.

Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.

Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.

How Much Does Business Insurance Cost?

How Much Does Business Insurance Cost?

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.

Plumber’s Public Liability Insurance

Plumber’s Public 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.

Public 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.

Compare Business Insurance Online

Compare Business Insurance Online

Looking to compare Business Insurance quotes online?

Compare Business Insurance Online with Just Quote Me – our Small Business Insurance Online quote and Buy facility is exclusive to Just Quote Me and within just a few minutes you can have your instant online Business Insurance Quote for you to compare.

Our quotes will help you to make an informed decision – should you still require further advice then one of Just Quote Me Business Insurance Experts will call you at a time suitable for you to discuss the small print other providers seem to brush over or indeed not discuss with you.

Just Quote Me are experienced Insurance Brokers and with over 30 years Industry expertise we can provide bespoke covers for any business in the UK and also advise on what covers are needed for New Company Business Insurance and also we offer a free service where our experts will check your current Insurance and advise where there are any missing covers or hidden clauses or excesses and it’s all free to use.

So many policies are bought as a quick fix just to obtain the correct paperwork for people to gain access to properties they want to work on but when a claim arises its then and only then they start to fear the covers they have are not correct and they panic is the policy going to pay out, with our experts we make sure you never have to worry about this again after all we are professional Insurance Brokers not merely a comparison site we make sure you are fully aware of the pitfalls of buying online are removed and you are fully aware of what your Business Insurance is covering.

To Compare Business Insurance Quotes Online:

Go to our online Quote System or call us on 0800 084 2325