Commercial & Industrial Insurance

Commercial & Industrial Insurance

No matter your business or industry, having the right insurance in place is essential. Commercial & industrial insurance is a type of cover that protects businesses from loss.

Because every business is different, the insurance policies they need is also varied, and it is important that you get the right policy for your company. An office-based business is going to have different requirements to a factory. Consequently, insurance policies need to reflect this. Here at Just Quote Me, we offer commercial & industrial insurance options for a range of businesses.

Commercial & Industrial Insurance Options

When it comes to business insurance, there are various options available. The type of insurance that you need will depend on your industry and operations. Most commercial & industrial insurance policies will include;

  • Public Liability Insurance: This covers your business for claims made against you by a visitor or client. This could be because of injury, loss or damage to property in your business premises.
  • Employers Liability Insurance: Any company with employees must have employer’s liability insurance. This covers you if an employee becomes ill or injured while working for you.
  • Professional Indemnity Insurance: Sometimes referred to as professional liability insurance. This cover is for legal costs and expenses that could arise if a client alleges that your business provided inadequate services or advice that lead to them losing money.
  • Business Buildings Insurance: Buildings insurance will cover your physical buildings of the business, such as a factory or office.
  • Business Contents Insurance: Damage to contents caused by fire, theft or flooding can be covered by contents insurance.

Are You Looking For Commercial & Industrial Insurance?

There are many other options available for commercial and industrial insurance, such as equipment cover, stock insurance and business interruption cover. For more information on insurance for your business, and to discuss your requirements, contact our team 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.

Who Needs Employers’ Liability Insurance?

Who Needs Employers’ Liability Insurance?

Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.

What Is Employers’ Liability Insurance?

This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.

Do I Need Employers’ Liability Insurance?

Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.

How Much Employers’ Liability Insurance Do I Need?

The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.

Insurance From Just Quote Me

Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.

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.

Do I Need Employers’ Liability Insurance?

Do I Need Employers’ Liability Insurance?

The UK Government requires every person or company who is an employer to get employers’ liability insurance. Employees injured or sick during the course of working for their employer will be covered by the insurance. Furthermore, £2,500 is fined every single day an employee remains without this cover.  If inspectors do not see or view a displayed certificate of the insurance, a fine of £1,000 will be required.

While insurance may seem like an unnecessary cost, especially when accidents seem unfeasible, it is of vital importance, just in case the worst happens. Every employee requires coverage for injury or sickness while carrying out their duties for the company.

What employers’ liability really means

Generally, this liability insurance protects employers from any compensation claim by any employee in the course of duty. Whether it’s injury or illness while working for the employer, the workers will be well covered. The legally-demanded insurance kicks in when a company or self-employed individual employs just one person. As soon as you take on staff, you need insurance.

For instance, an employee may suffer a fall or get sick in the course of their duty. As such, employers’ liability will cover their medical bills as well as legal fees.

Also, this liability insurance can cater to claims raised by former employees. Some illnesses and complications might take a while to show or depict their symptoms. As a result, former employees might demand compensation, perhaps months or years after they left your company. This liability cover can insure all these.

For instances of former cases, it is important to ensure you’ve safely stored every document related to the insurance. It is wise to keep records of the insurance, whether the cover has expired or not. Also, ensure the insurer has your Employer Reference Number to make the process of tracing past workers easier.

Are you looking for employers’ liability insurance?

Avoid the possibility of paying fines of up to £2,500 per day. Contact Just Quote Me today for your free quote.

Do Electrical Contractors Need 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

Church insurance – Are you fully covered?

Church insurance – Are you fully covered?

Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.

Your current insurance               

When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.

This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.

However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.

Cover types 

Depending on your activities, your church may benefit from:

Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings

Church Contents Cover – pays out if contents and equipment gets stolen or damaged

Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property

Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions

Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss

Manse Cover – landlord insurance for houses the church may own and rent out

Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.

Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks

Minibus Cover – just like car insurance but for your minibus

Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues

Abuse Cover – covers the cost to the church should an allegation of abuse be made

Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.

Group Travel – covers trips you organise for members or staff in the UK & abroad.

Just Quote Me Church Insurance Quotes

You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.

Who Needs Employers’ Liability 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.

Why your charity needs insurance

Why your charity needs insurance

Insurance is a key part of the risk management process for charities and non-profit organisations. It’s important that these groups who do so much good, with so few resources, protect themselves; charity insurance can provide that protection. With the financial security provided by insurance, your organisation can focus all its resources on its charitable aims.

The first check is to ensure you’re complying with the law. Employer’s liability is a legal requirement if you have employees. £5 million is the minimum indemnity, but £10m is standard. Specialist charity insurance may cover your volunteers as if they were employees rather than third parties covered by your Public Liability.

If you own and operate vehicles, you’re legally required to appropriately insure them, if you put on fundraising events, you need public liability insurance, and if you have data online, you need cyber risk insurance -there will also be other instances where you could be vulnerable.

Is it important to be insured beyond the legal requirements?

Yes! Insurance exists to protect your organisation and your assets from the financial impact of claims. Should a member of the public slip on your premises, despite your best risk management efforts, you may be liable – this is the sort of claim that could cause financial ruin and put a stop to all the good that you have been doing.

What could happen if you’re not insured?

It depends on your charity or community group governance. However, if you’re not a registered charity and someone makes a claim against you, then you may be personally liable. Equally, even if you are a registered charity, a claimant may choose to take the charity to court and may pursue compensation from the trustees.

Whatever the situation, if you don’t have insurance then your charity or non-profit is at serious risk of financial ruin. And there’s potentially a significant risk to the board of trustees too.

What should you do about insurance?

The first step towards insuring your organisation should be discussing your requirements with an expert. We can assist you with your insurance requirements and risk management.

What charity insurance should you consider buying?

You may consider a range of insurance products. Common cover required by charities and community groups include Public Liability, Property, Trustee Indemnity, Professional Indemnity, Fidelity and more.

What are the common insurance covers for charities and community groups?

Public Liability protects you from claims made by members of the public who have suffered personal injury or property damage because of your charity or community group. Property Damage insures your building, contents and assets against loss, theft or damage and is key to risk management.

Trustee Indemnity protects your board of trustees from claims made against them or the organisation. This will help your trustees sleep well at night and can help you recruit top quality trustees. Professional Indemnity protects you if you provide any professional, advice or counselling services or similar. And Fidelity cover insures you against theft or fraud by an employee, volunteer or trustee. Other types of insurance are available.

Where should you start your search?

Find an insurer who will know exactly what you need, and get their advice. They will know more about your requirements and about the products available.

Don’t risk it. Cover your charity with Insurance today by getting in touch!

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.

What Is Conversion Insurance?

What Is Conversion Insurance?

A property conversion can be an exciting project to undertake. However, it can also be incredibly stressful and come with a huge range of risks.  Conversion insurance can provide sufficient protection which you are conducting a property conversion project. Whether you are converting a barn, flat, farm buildings or commercial property, having insurance can bring peace of mind.

Why do I need Conversion Insurance?

Conversions will typically be a massive undertaking. Furthermore, they are often undertaken on buildings in a poor condition. Projects are not only expensive, but costs can rise further when things go wrong, or accidents happen.

Having conversion insurance means you have the protection in place for the project duration. It can cover the tools and equipment you need for the conversion which is often an oversight for people. Thieves can pray on construction sites due to the expensive tools that may be available. If your tools are stolen, then you not only face extra costs but a longer, more expensive conversion project.

Another essential aspect of conversion insurance is the coverage for accidents. It is likely that there’ll be many people involved in the conversion. From third-party contractors to friends and family, you’ll want to make sure everyone is safe and protected while on site.

Conversion insurance typically covers both employer’s liability and public liability. This means you can have complete peace of mind that you have cover in the event of an accident or injury.

One aspect of conversion insurance that you may want to include is coverage for legal expenses. This can help with any legal wrangles you may face regarding contract issues and disputes. With this in place, you have the chance of a safer, in-budget conversion project.

Do you have questions about Conversion Insurance?

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