Why Do You Need Wind Farm Insurance?

Why Do You Need Wind Farm Insurance?

Wind farm insurance might seem unnecessary, but when you are working in a specialist industry, it is vital that you have the correct policy in place. You need an insurance policy that understands your business and your unique requirements.

Being a supplier of renewable energy comes with many risks that other businesses don’t have. Wind farm insurance means that if anything should happen, then you will have the right cover in place.

Wind Farm Insurance Explained

Whether you are a large wind farm or a smaller scale project, having appropriate insurance is of the utmost importance. Wind farm insurance can cover your business from various risks and mishaps, including;

  • Construction risks
  • Transit risks
  • Material damage
  • Engineering issues such as machinery breakdown
  • Advanced loss of revenue due to machinery or material damage
  • Delays in start-up costs
  • Employers and public liability insurance
  • Lack of wind bespoke packages

Wind farm and wind turbine insurance can cover a wide range of wind turbine models, including all major brands. No matter your business size, industry or set up, our specialist insurance products are here to help.

Wind Farm Insurance From Just Quote Me

Here at Just Quote Me, we are experts in finding the best insurance policies for businesses of all shapes and sizes. We work hard to compare all the wind farm insurance options available to you and so can help you get the best price.

Our team of specialists can help you to find insurance that will cover you from initial installation phases right through to being fully operational. We can find insurance policies for single turbines or multi-site operations, so we can meet your unique needs. Because wind farm policies are still fairly new to the market, we can assist you with everything you need in a stress-free and simple way. Contact the team today or fill out the Quick Quote Form.

Multiple Occupancy Insurance

Multiple Occupancy Insurance

There are approximately 497,000 Houses of Multiple Occupancy (or HMOs) across England and Wales, many owned by private landlords. Of course, there are benefits to owning an HMO, including increased rents across one property. However, there are risks too; more tenants could mean more damage to a property, for example. To protect themselves from these risks, landlords need good multiple occupancy insurance.

What Is A House Of Multiple Occupancy?

Not all landlords are clear on just what an HMO is. In general, an HMO is a property that is home to three or more unrelated tenants. This can include a house-share, bedsits or flats. There can be separate facilities in each flat or communal areas such as kitchens and bathrooms.

What Should Multiple Occupancy Insurance Include?

While some of the risks associated with any rental property are the same when it comes to HMOs, there are differences too. If, for example, there is a shared kitchen in a building converted to bedsits (versus letting people cook in their rooms), there is a lower risk of fire. In general, however, multiple occupancy insurance will cover:

  • The building itself including structural damage (either accidental or intentional).
  • Contents, which is especially important if the landlord provides white goods or furnishings; this includes accidental damage and theft.
  • Malicious damage, caused by tenants or others (visitors, for example).
  • Loss of rent, whether through rent arrears or a room/flat being unlet.
  • Liability against accidental injury to a tenant or visitor; this includes legal expenses.

Finding The Right Insurance For You

Multiple Occupancy insurance can be complicated. As a result, it isn’t always easy to find. This is where Just Quote Me comes in.  They’re experts in specialist insurance that helps landlords protect themselves and their property at a price that works for them. Click here to fill out the Quick Quote Form or call the team on 0800 084 2325 to find out more and get a free insurance quote today.

Property Owners Portfolio Insurance

Property Owners Portfolio Insurance

Around 55% of landlords own more than one property, with 17% owning at least five properties. For some, these will be residential only. For others, there will be a mix of residential and commercial. Insuring each one individually can be time-consuming and costly, especially if discounts are available for insuring multiple properties under one policy. This is where Property Owners Portfolio insurance comes in.

The Benefits Of Property Owners Portfolio Insurance

Property Owners Portfolio insurance offers landlords a convenient and cost-effective way to combine all their properties under one policy. However, it doesn’t have to mean choosing a ‘one size fits all’ policy. Elements can be adapted dependent on the building, its purpose, its location, and level of risk.  Without such insurance, a landlord may find themselves having to cover the cost of unpaid rent or extensive repairs to a building or its contents.

What Does The Insurance Cover?

Property Owners Portfolio insurance can cover different things dependent on need and level of risk. For example, a commercial property may need to cover a landlord in case of accident or injury, which won’t be needed in a residential property. Similarly, a residential property might need appliances to be covered, something not needed in a shop. In general, however, insurance will cover:

  • Property damage, from tenants and from fire, flood or vandalism
  • Contents damage, whether this is shelving or white goods
  • Loss of rent, allowing a landlord to maintain his income.

Taking Out Property Owners Portfolio Insurance

When multiple properties are involved, getting insurance right can be a challenge. That’s why it’s best to speak to an insurance specialist such as Just Quote Me. Their highly-skilled and experienced advisors can talk you through just what you need and find the right policy at the right price. Contact them today on 0800 084 2325 or fill in our Quick Quote Form to find out more.

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.

Wedding Insurance Explained

Wedding Insurance Explained

When planning a wedding, no one wants to think about the things that could go wrong. The reality is that disasters can strike and impact your dream day. Wedding insurance can help to protect you from sudden cancellations, a damaged wedding dress or stolen gifts. While every wedding couple hopes they will never need wedding insurance; it can provide peace of mind. This is because you will be protected should things go wrong, and you won’t lose out on the money you have spent.

What Is Wedding Insurance?

Insurance for a wedding covers for circumstances beyond a couple’s control. It can mean that you aren’t left out of pocket if something goes wrong, and your insurance policy will reimburse you. For example, if your DJ doesn’t turn up and you book a last-minute one on the day for three times the price. Or your reception venue goes out of business just before the big day, and so you lose your deposit. Wedding insurance can protect against these kinds of financial loses.

Types Of Insurance For Weddings

All kinds of insurance can be complicated because there are many conditions and clauses to consider. When it comes to wedding insurance, there are two types;

  • Liability: This protects you should there be any accidents or injuries during the wedding. Some venues require couples to have this cover, so be sure to find out.
  • Cancellation: This will cover you for all the money spent on the wedding if it should be cancelled. Almost all insurance policies of this type only cover for cancellations that are out of your control. This is because they do not cover change of heart.

Are You Looking For Wedding Insurance?

Many couples choose to invest in insurance so that their wedding is covered should something happen. Here at Just Quote Me, we can help you to find the insurance policy for your wedding. Get in touch with our team of experts today to receive your free no-obligation quote.

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.

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.

Insurance for Manufacturing Plant

Insurance for Manufacturing Plant

One thing every business owner knows is that if something can go wrong, it will. For those involved in manufacturing, however, the impact of this ‘something’ can be significant in a way it might not be for other, office-based, businesses. That’s because manufacturing businesses need machinery to operate. They also need factories or warehouses to operate that equipment from.

If machinery breaks, a factory or warehouse is accessible, or manufacturing supplies aren’t available, a business could fail. Which is why insurance for manufacturing plants is essential.

What do Insurance for Manufacturing Plant policies cover?

While manufacturing businesses may be different from office-based ones, the insurance they need is actually very similar. It needs to cover them for:

  • Accidents or injuries to their employees where the business can be found negligent (Employer’s Liability Insurance)
  • Accidents or injuries to visitors (including customers) where the business can be found negligent (public liability insurance)
  • Damage to equipment, including computers and phone systems, required to run the business
  • Damage to machinery required to produce goods
  • Loss of access to premise used to manufacture products, whether temporary or permanent.
  • Loss of access to the supplies needed to manufacture goods.

There will be risks attached to each of these. Some will be higher than others. Where a factory or warehouse is, for example, to increase the risk of flooding, which could reduce access. Whether a business sells direct to customers could increase the risk of accidents to visitors.

Buying Insurance for Manufacturing Plant

A good insurance broker will work with a business to assess these risks and find the right policy or combination of policies to meet their needs at the right price. Which is why, if you are looking for insurance for your manufacturing business, you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using their Quick Quote Form.

 

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.

Insurance for Manufacturing Plant

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.

Why Do You Need Wind Farm 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.

Recruitment Agency Insurance

Recruitment Agency Insurance

If you run your own business then it is precious to you. Getting the right cover is vital to protect your business for when the unforeseen happens. A recruitment agency can have many risks; from making a mistake to a client suffering an injury in your office. Without proper recruitment agency insurance cover, it could spell the end of your business.

What cover does a recruitment agency need?

The exact cover you need will depend on the size and structure of your business. It’s important to discuss all your requirements with an insurance broker, such as Just Quote Me, to make sure you are adequately covered.

You will need professional indemnity insurance as part of your package. This protects you in the event that you make a mistake, such as offering poor advice. This is vital for recruitment agencies.

If you have visitors come to your office, or you make site visits then you will need public indemnity insurance. This provides protection in the event that you injure someone or cause damage in the course of doing your job. For example, if you trip over an expensive piece of equipment on a site visit and it breaks.

If you have employees you will need employer’s liability insurance. This protects you in case one of your employees makes a claim against you for injury or illness. It is a legal requirement to have this.

Along with these essentials, you may need to consider cover for premises, for cyber and data risks and directors and officers insurance. It is the combination of all this cover that will be bundled to give you your recruitment agency insurance.

Are you looking for recruitment agency insurance?

If you need recruitment agency insurance you need to speak to a company that can put together a bundle that gives you the cover you need. Just Quote Me are experienced insurance brokers. They will discuss your business with you, so they understand the cover you need. They can then put together a bundle that gives your recruitment agency the coverage it needs at the best price possible. Contact them today to see what they can do for you.