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Insurance For Schools: A Mini Guide

Insurance For Schools: A Mini Guide

Education institutions, such as schools and colleges, have a very unique set of insurance risks. Because of the nature of the business, most standard insurance policies do not provide adequate cover. This often means that specialist insurance for schools is needed to protect them and their pupils. If you are managing an independent school, state-funded school, academy or other educational facilities, we are here to help with your insurance needs.

What Is Insurance For Schools?

A school environment often comes across unique and complex risks that require specialist cover. When it comes to insurance for schools, there are many things that need to be considered and included in policies. School insurance policies are designed specifically to protect students, teachers and the school’s reputation.

Some areas that have coverage with a school insurance policy include;

  • Supply teacher insurance, which covers some circumstances where supply staff need to be paid.
  • Liability insurance, including employer’s liability, public liability and hirers liability.
  • Travel insurance, particularly for school trips and overseas travel for groups.
  • Professional indemnity insurance, which will protect the reputation of the school should pupils or parents be unhappy with teaching.
  • Legal expenses, in the event that a school needs to pay legal fees for any reason.

Insurance For Schools From Just Quote Me

At Just Quote Me, we are experts in finding specialist insurance products for all industries. We will work hard to understand your needs as a school or college and find the very best insurance options for you. Our team are on hand to provide any advice you may need to choose the right insurance to protect your staff, pupils and school reputation. Because we work with so many insurance providers, we are able to find the best possible prices for your school. To find out more, get in touch or fill out our Quick Quote Form.

Making The Switch To Gas Powered Fleets HGVs

Making The Switch To Gas Powered Fleets HGVs

If you are concerned about the CO2 emissions of your HGVs, then you might be considering gas powered fleets HGVS. The CO2 emissions are lower than the diesel alternatives. Reasons to make the switch include lower fuel costs, less dependence on the oil market, ease of transforming existing diesel engines to gas, as well as reducing the impact of HGVs on air quality. So what do you need to know before you make the switch?

Insuring Your Gas Powered Fleets HGVs

Insurance for fleets of HGVs can be complicated. You need to make sure that you have everything you need, ideally in a single policy. If you have to insure each vehicle separately, the whole process can become complicated and unwieldy. With a gas powered fleet HGVs, you also have the added complication of insuring a non-standard vehicle. Your insurer must be aware of and willing to cover your fleet.

Getting A Quote

At Just Quote Me, they work with you to make sure you have the cover you need for your situation. If you have more than five vehicles, then fleet insurance will be the way to go. Speaking to a broker at Just Quote Me will help you to identify if you need to have named drivers or not. Within these policies, it is still possible to offer cover to any of your drivers who may be owner-operators. However, you will need to discuss this as not all policies have this flexibility built-in.

Speak to an agent today to find the best price and coverage level for your situation. HGVs are a specialist item, and gas powered fleets even more so. That’s why it is so important to get as many quotes as possible to make sure you get the right deal for you.

Insurance for Manufacturing Industry

Insurance for Manufacturing Industry

In the UK, manufacturing is big business. The sector is one of our largest employers and makes a huge contribution to the British economy. Which is why when something goes wrong, the impact can be significant. As well as the business itself, its supply chain or the broader economy may feel the effect.  And, with so many moving parts, there is a good chance something will go wrong at some point. Insurance for manufacturing industry, therefore, is vital. It isn’t something any manufacturing business can do without.

Complexities of manufacturing plant insurance

Because businesses produce goods in so many different ways, insurance that works for one business won’t necessarily work for another. To make sure they get it right, therefore, businesses should talk to an insurance broker, one who understands what they need and can get them the right policy at the right price.

This policy (or a combination of policies, depending on the business) should cover them if the business is unable to operate for any reason. Their factory, or warehouse, for example, might not be available due to fire or flood. Damage to equipment that produces goods will also stop a business operating. Insurance can cover the cost or repair replacement.

Businesses need to think about cover for accidents or injuries. They must, by law, have Employer’s Liability Insurance, which covers them if their employees are hurt, and they (the employer) are at fault. If they have regular visitors, however, or open their premises to customers, public liability insurance is a must.

Buying Insurance for Manufacturing Industry

With so many elements to consider, you are bound to have questions. At Just Quote Me, we are here to help. To get the answers, call Just Quote Me for FREE on 0800 084 2325 or go online to get a quote today.

Industrial Insurance

Industrial Insurance

The industrial sector is vast. It is also varied, covering a whole host of different businesses. According to the UK government, these range from Aerospace to Tourism. It’s probably no wonder then that industrial insurance can be complex and, for many businesses, confusing.

What is Industrial Insurance?

Industry insurance is a single policy, or package of policies that protect business operations, providing cover if they cannot operate for any reason. For example, if equipment needs repairing or replacing due to damage. It also covers the company if staff or visitors are hurt, and they (the company) are negligent.  The difference is the level of risk businesses face and the impact on their operations if something goes wrong. It is essential, therefore, to specifically tailor industrial insurance to the sector.

What does industry insurance cover?

Industrial insurance covers businesses against accident and injury claims from members of the public (pubic liability) and employees if the company is negligent. Employer’s Liability Insurance is a legal requirement.

It also covers equipment and machinery. Equipment includes computers and telephone systems, anything that is needed to keep the back-end operations running. Machinery includes anything used to produce parts and products.

Another key area is the premises. Many industrial companies use factories to produce goods, warehouses to store them. Then there are their offices where administrative work takes place. The loss of any of these can have a significant impact on their ability to operate. Industry insurance covers them all.

Buying Industrial Insurance

To ensure full coverage, through either a single or combined policy, it is vital to speak to an insurance broker who understands the sector. Which is why you need to 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

Renewable Energy Insurance

Renewable Energy Insurance

Renewable Energy Insurance

Last year, renewable energy production in the UK rose to its highest-ever levels. To date, in 2019, it is responsible for almost 40% of all energy production. Large-scale operations such as off-shore wind farms generate much of this energy. However, more and more smaller producers are playing their part in producing renewable energy. All of these require renewable energy insurance.

Farmers and landowners, for example, have begun building wind turbines on their land, while businesses are adding solar panels to their properties. At the same time, specialist companies are setting up focused on areas such as Anaerobic Digestion or Hydroelectric power. While this is all a positive for the planet, it can lead to problems for the companies involved if they don’t have the right insurance.

Types of Renewable Energy Insurance

There are different types of renewable energy, however, all of which need a different type of insurance. These include:

  • Anaerobic digestion
  • Geothermal
  • Micro Hydroelectric
  • Solar and PV
  • Wind turbines and wind farms.

Different insurance will probably be needed depending on whether the business is in the process or starting up or fully operational.

Renewable Energy Insurance Coverage

In each instance, renewable energy insurance should cover:

  • Employers liability for if staff are injured at work
  • Public liability for if visitors or other members of the public are injured on-site
  • Professional indemnity for any negligence claims
  • Poor quality work (from contractors)
  • Delays in start-up
  • Legal expenses to respond to claims or place claims due to workmanship or delays
  • Damage, including fire and theft
  • Loss of revenue
  • Environmental impairment

Buying renewable energy insurance

Because of the complexities, anyone considering getting involved in renewable energy should speak to an industry professional such as Just Quote Me to ensure they are fully protected. Contact them today on 0800 084 2325 for a free, no-obligation, renewable energy insurance quote.

Stately Home Insurance

Stately Home Insurance

The term stately home can mean different things to different people. In general, however, it means a ‘grand’ property that has a ‘stately’ appearance. For example, country homes, historic properties and listed buildings are often described as stately homes. One critical thing that these properties needs is stately home insurance.

Charities such as English Heritage own many of our stately homes, as do local authorities (who use them as offices). Others are now hotels. However, some are still privately owned. Owning a stately home means owning something that is unique; a part of our history, which is wonderful.

What is perhaps not so wonderful is how much it can cost to maintain a stately home. As with the home itself, how much it costs to maintain will be different. Conservative estimates, however, suggest it could be around 2% of the property’s value each year. And this is without anything major going wrong, which is where Stately Home insurance comes in. Because, without it, things could get very expensive indeed for homeowners.

Stately Home insurance cover

Owners of stately homes will need specialist insurance cover. For example, most stately homes are older buildings and might need repairing using traditional building methods. If the building is Grade-Listed, then it will certainly need specialist care.  As a result, it’s important insurance policies include repairs. Insurance should also include the physical ‘bricks and mortar’ building, land and contents. If the building is open to the public, this needs to be taken into account too. For example, owners will need employer’s liability insurance if they employ staff.

Buying Stately Home insurance

With so much to consider, it’s important to get specialist advice. Which is why you should speak to 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, stately home 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.

Hotel Industry hoping for Record Year

Hotel Industry hoping for Record Year

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.

Stay Legal with Adequate Commercial Insurance

Stay Legal with Adequate Commercial Insurance

Operating a commercial business requires you to pass many legislative barriers and insurance is often one of these. If you have employees you are legally required to have specific commercial insurance in place and if you are a prudent and responsible business owner, you will also want other insurances in place. You put a great deal of time and money into your business so why not protect it? Adequate commercial insurance cover helps to protect your business, its employees and customers.

As specialists in business and commercial insurance, we know exactly how to provide the right protection for your business. We also work to ensure the best level of cover for your requirements. Many businesses opt for Commercial Combined Business Insurance as this works a little like a ‘pick and mix’ as you select the relevant covers for your individual business needs.

Tailored Commercial Insurance with Just Quote Me

Commercial insurance policies need to be comprehensive and fully tailored to your business. Commercial combined insurance brings together a range of business insurances in a single policy, making it easier to manage and understand. It can include any number of different individual covers such as:

  • Employers’ liability (a legal requirement if you have staff)
  • Public liability
  • Business interruption
  • Product liability
  • Legal expenses
  • Goods in transit
  • Material damage/theft

The insurances you need for your business are highly individual. It may be something you aren’t sure of without guidance and direct help. Our expert business and commercial insurance specialists can discuss your business operations, current setup and discuss potential covers you could need as part of your commercial insurance cover. Furthermore, our professional experiences speaks for itself. We work with a wide range of different businesses to ensure their commercial insurance fits their needs.

Meeting all the risks associated with the day to day running of your business should be a key priority. Commercial insurance adds a valuable layer of protection for your business. Similarly, appropriate insurance can also be key to winning more business. Many industry associations and even potential clients may expect a certain level of cover before they are willing to work with your business.

To Compare Commerical Insurance Quotes Online:

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

 

Insurance for Manufacturing Industry

Commercial Insurance Birmingham: Do you have Proper Insurance Cover?

The commercial insurance Birmingham businesses invest in has to be tailored to their individual needs. If your business rents or owns property, it is essential you have the correct commercial property insurance in place. Birmingham is the UK’s second city and it buzzes with entrepreneurship and a huge business community. All successful Birmingham businesses protect their assets, look after their employees and their customers and this includes ensuring the right commercial insurance policies are in place, including commercial property insurance.

The commercial insurance Birmingham businesses choose need to be adequate for any potential risks their business face. Commercial property insurance incorporates everything you could need to protect a property from buildings insurance to contents insurance to liability insurances.

Property insurance is just one element of the wider range of cover your Birmingham business. You may also need consider niche covers or those specific to your trade. Industry or risk related insurances such as restaurant insurance or working at height insurance, may be essential dependent on your sector.

Get your Commercial Insurance Quotes

Your commercial insurance policy should reflect your business operations and the specific risks you face. All Birmingham businesses have different risks to contend with. There are some commonplace insurances such as employers’ liability and public liability that most businesses will need. However, it may get more complex dependent on your business requirements and that’s where we come in.

Just Quote Me are experts in securing the best value and most appropriate commercial insurance quotes for Birmingham businesses. Firstly, we explore the commercial insurance Birmingham business owners should be considering. Then we ensure the quotes available are fully fitting for the business in question.

You can find out more about what we offer and begin discussing your commercial insurance requirements by requesting a call back from our experienced, helpful and friendly team.

To Compare Commercial Insurance Quotes in Birmingham:

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

Image Credit: By Bs0u10e01 (Own work) [CC BY-SA 3.0], via Wikimedia Commons