What Insurance Do Civil Engineers Require?

What Insurance Do Civil Engineers Require?

Civil engineers work in challenging and high-risk environments. What’s more, they are usually the first team on-site and the last tradespeople to leave a site too. With this in mind, civil engineers have to be ready for everything. Consequently, it is crucial to protect your livelihood against the unexpected dangers you may face on site with insurance for civil engineers.

Why Is Insurance For Civil Engineers Essential?

For civil engineers, every day and site is different. There are so many aspects to consider and so many problems you may face. From cables to waterways, pipes and service provision, each job can carry its own risks. One small mistake or unforeseen accident can be costly unless you have the right insurance to protect the business.

One of the biggest risk factors is with public liability. This is where a member of the public or their possessions may suffer harm or injury as a result of your work. Public liability cases can cost millions of pounds, which can spell the end for the business. However, with public liability insurance for civil engineers, you can have the peace of mind that the business has protection, and you can afford to pay for any injury or damage that may occur.

Insurance for civil engineers can also include essential coverage for aspects such as tools and equipment insurances, employer’s liability coverage, vehicle insurance, and so much more.

If you’re not sure what your business needs and whether you have the right coverage for your requirements, Just Quote Me can help. Our expert team can talk you through all of the options you have available. Then, we can create a tailored policy that works best for your business. All the while, we will search the market to ensure what you receive is at the best price possible.

Receive Your Free Quote For Insurance For Civil Engineers

Get in touch with the Just Quote Me team today to talk through your requirements, or receive your FREE quote by filling in our Quick Quote Form.

Insurance For Ground Workers: What You Need To Know

Insurance For Ground Workers: What You Need To Know

For ground worker contractors, the job is busy, and there are many tasks to complete to enable a successful construction project. From clearing land to redirecting waterways, ground workers have many responsibilities which can come with a great deal of risk. Fortunately, with insurance for ground workers, you can mitigate these risks and offer your clients and the public complete peace of mind.

What Is Insurance For Ground Workers?

Ground worker insurance helps to protect your livelihood should anything adverse happen on the job or with your projects.

Insurance for ground workers includes a range of policies. However, perhaps the one that receives the most attention is public liability cover. Public liability insurance for ground workers ensures that you have protection for any injuries or property damage that may occur during the job.

For example, insurance would protect you from claims if a member of the public trips over your equipment or damages their vehicle as a result of your work, the public liability can help to compensate the affected party.

Furthermore, ground worker public liability insurance can be tailored to suit your specific requirements. For example, it is possible to receive insurance for varying depths, depending on your needs. You can tailor your insurance for depths of up to five metres, to ensure you receive full protection for all the projects you undertake.

Of course, insurance for ground workers covers more than just public liability. You can build your insurance package to cover all of the aspects you need. This may include employer’s liability, variable depth cover, transport coverage, and so much more.

With the right insurance coverage, you can make sure that no matter what may go wrong with the business, you can reduce the impact of expensive repercussions. At Just Quote Me, we’ll work hard to understand precisely what your business needs. Then, we’ll tailor your insurance package to ensure you have peace of mind for every eventuality.

Are You Looking For A Ground Workers Insurance Quote?

Get in touch with the Just Quote Me team today to talk through your requirements. Alternatively, receive your FREE quote by filling in our Quick Quote Form.

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.

About Warehouse Insurance Cover

About Warehouse Insurance Cover

Running a warehouse is no easy task. It takes dedication, hard work and a significant investment in both time and resources. Like with many businesses, an incident or accident could threaten your company, so insurance is vital. Because warehouses have their own unique risks and opportunities, specialist warehouse insurance cover is often required.

Warehouse insurance cover plays a vital role in protecting the business you have worked so hard for. Choosing warehouse insurance can be confusing, and getting the right type of insurance will mean you have the right coverage.

Types Of Warehouse Insurance Cover

When it comes to insuring a warehouse business, there are various cover options that need to be considered. The type of cover that you need will depend on your unique business. Some of the most popular options for warehouse cover include;

  • Employer’s Liability Insurance: Most businesses have a legal requirement to have employer’s liability insurance in place because it protects their staff. This is not unique to warehouse insurance but is a must-have if your company has employees.
  • Public Liability Insurance: If anyone who enters your warehouse believes they have suffered any kind of loss, injury or damage to property at your business, then public liability will protect you. This could include suppliers delivering their stock or a visitor who slipped on your warehouse floor.
  • Contents Insurance: The contents of your warehouse are often the most important part of your business, and so need proper protection. Contents insurance will cover your stock from flood fire or vandalism.
  • Buildings Insurance: Your buildings are essential for the operation of your warehouse and buildings insurance will cover you should anything happen.
  • Transit Insurance: Some warehouse insurance policies include cover for your goods while in transit. This can protect them should anything happen, either with your own business or in transit by a courier.
  • Equipment Breakdown Insurance: Warehouse machinery could become affected by mechanical or electrical breakdown. This cover can protect your business should this happen.

 

Are You Looking For Warehouse Insurance?

For more information on finding warehouse insurance cover from Just Quote Me, or to receive a fast, free quote, please fill out our Quick Quote Form.

Plumbing Contractors Insurance: A Mini Guide

Plumbing Contractors Insurance: A Mini Guide

 Whether you are working as a plumber or in a related trade, the chances are you will need some form of insurance. Because of the potentially hazardous work completed by plumbing contractors, there is a risk of compensation claims.

Self-employed plumbers, sub-contractors and plumbing companies all require insurance for their work. The type of insurance that you require will depend on the business type and work that you complete. So that you can understand your requirements, we’re covering the types of coverage you need and who they are for.

Employer’s Liability Insurance For Plumbing Contractors

Anyone who runs a business that has employees is required to have employer’s liability insurance. Because you are hiring other plumbers and engineers for your work, you need to ensure they have protection. This type of insurance covers you from claims made by employees due to illness or injury at work. Because you have a duty of care to your staff, your insurance company may not pay out if this has not been exercised.

Public Liability Insurance

Public liability insurance is not a legal requirement for plumbing contractors but is still useful to have. It offers protection against claims that are made by customers or the public. Because plumbers are at risk of issues such as leaking pipes and poorly installed boilers, this cover is essential. Even if you have completed a job to a high standard, you should remember that accidents can happen. So that you ensure you have proper protection, you should always have public liability insurance in place.

Other Plumbing Contractors Insurance

In addition to these insurance policies, there are some others that you may need. Because you are operating commercially, you may require specific commercial insurance on your vehicle. You may also need to cover tools and equipment to protect yourself from loss, theft or damage.

Are You Looking For Plumbing Contractors Insurance?

For a FREE no-obligation quote for your plumber’s insurance policies, get in touch with our friendly team today.

Do Electrical Contractors Need Insurance?

Do Electrical Contractors Need Insurance?

Working as an electrician often involves much more than just fitting and repairing electrics. Many electrical contractors are responsible for producing specifications and designs. Because of the complex nature of the job, it is not uncommon for problems to arise.

Working with electricity is dangerous and so can result in injuries or fire. In this situation, an electrician could be at risk of a compensation claim being made against them, especially if they had been professionally negligent. Insurance can help to protect electric contractors from these kinds of claims. If you are wondering if you need insurance, or what type of coverage you may require, then read on for our quick-start guide.

Public Liability Insurance For Electrical Contractors

If a compensation claim is made because someone suffers an injury or property receives damage, then public liability insurance can protect businesses. It is a requirement for all electrical contractors. This type of insurance will cover any compensation, as well as associated costs and expenses. In most cases, the insurance company will handle all claims on the electrician’s behalf so that they don’t need to handle complex legal situations.

Professional Indemnity Insurance

Because public liability insurance often doesn’t cover professional negligence, professional indemnity insurance is also necessary. This will cover electricians against claims that arise from defects in specifications and designs produced. Professional indemnity insurance is usually only a requirement for contractors who produce designs and specifications.

For those that simply fit and install existing designs and specifications, public liability insurance is often enough. However, because these kinds of claims can come years after a job is complete, it is vital that you keep insurance documents even if the business isn’t trading.

Are You Looking For Electrical Contractors Insurance?

Here at Just Quote Me, we work with many leading insurance providers. Because of this, we can help find the best deal for your business. For more information and a FREE no-obligation quote, contact us today.

What Insurance Do Building Contractors Need?

What Insurance Do Building Contractors Need?

Working as a building contractor can be stressful. Because of the complex nature of the work, there are often unforeseen delays and problems that arise. Building contractors insurance is there to protect you and your customers when things do go wrong. Depending on the size of your business and type of work you carry out, you might have a requirement to have different types of insurance and coverage options. So that you can easily understand which cover you need, we’re sharing this guide on what insurance building contractors need.

Public Liability Insurance For Building Contractors

Public liability insurance protects builders against liabilities for injuries or damage to third parties. This includes if a building contractor causes damage to a property or a non-employee suffers an injury because of the works. Because of the risks involved with building work, public liability insurance is a requirement for all contractors. Having this type of insurance will ensure that you have coverage for potential claims against you.

 

Employer Liability Insurance

Any building contractors who are employers of other staff members have a legal requirement to purchase employer liability insurance. This type of insurance coverage is so that you have protection against liabilities for injury or illness of an employee. In 2019, 79,000 workers in the construction industry suffered work-related ill-health. Employer liability insurance is compulsory in order to protect against these cases of ill-health.

 

Contractors All Risk Insurance

This type of insurance is specifically for the construction industry. Because of the potential damage that can take place during building works, this covers any physical damage to sites and work materials. Contractors all risk insurance is usually sold alongside public liability insurance. This is because public liability doesn’t always provide full coverage, but contractors all risk insurance will cover against all eventualities.

Are You Looking For Building Contractors Insurance?

For more information on your insurance requirements as a building contractor, and to get a free quick quote, contact our team today.

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.

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.

What Is New Build Insurance?

What Is New Build Insurance?

Building your own home from scratch can be incredibly exciting. In fact, custom build homes are increasingly growing in popularity. To help give protection to home builders whether they work independently or as a property developer, providers offer new build insurance.

New build insurance can provide peace of mind for all new build projects. The policy can begin from the point where an existing property is demolished, or land is cleared to the end of the work. Insurance can be there to provide coverage for accidents, theft or damage.

Why do I need New Build Insurance?

During a new build project, there is a variety of risks. At the beginning of the project, you have liability exposure. When work is underway, there are risks relating to the quality of the job as well as the tools and materials you use.

Insurance will cover the expensive tools, plant machinery and equipment that you need to complete the project. Should anyone steal the tools, new build insurance can cover the cost of replacement, allowing you to continue the project quickly, minimising disruption.

Another aspect of a new build policy is to provide coverage in the event of an accident. New build insurance will include public liability insurance as well as employer’s liability insurance. This means that as the policyholder if any friends, family or third-party contractor suffer damage or injury as the result of the new build project can receive compensation in the event of a claim against you.

New build insurance can be incredibly flexible, so you can tailor the policy to suit your exact specifications. Simply call Just Quote Me for more details.

Do you have questions about New Build Insurance?

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

Plumbing Contractors Insurance: A Mini Guide

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.