by jqm | May 30, 2019 | Employers Liability Insurance, Insurance, Insurance Online, Just Quote Me, Public Liability Insurance
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.
by jqm | May 27, 2019 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Cyber Liability Insurance, Employers Liability Insurance, Insurance, Just Quote Me, Office 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.
by jqm | May 21, 2019 | Cyber Liability Insurance, Employers Liability Insurance, Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Public Liability 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!
by jqm | Apr 20, 2019 | Home Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Just Quote Me, Personal Insurance, Travel Insurance
If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.
While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.
We get claims for:
- Phones left in taxis
- Cameras lost on holiday
- Rings and jewellery that slip off in the sea
- Wallets and purses left in the supermarket by mistake
- Leaving your iPod on the train
- Having your watch stolen from a hotel room
To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.
There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.
Why is personal belongings insurance important?
Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.
Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.
Is there anything Personal belongings cover won’t cover against?
Yes. It doesn’t cover:
- Wear and tear
- Things that are damaged through everyday use (e.g. sports equipment)
- Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
- Pets and other animals.
It doesn’t cover things that are used for business, either, which would include:
- Business cash, credit or debit cards
- Tools, even if they’re locked up and can’t be seen.
Just Quote Me Personal Belongings Insurance Quotes
You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.
by jqm | Dec 25, 2018 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance, Insurance
Business insurance is essential for every type of business. It is usually an incredibly flexible policy that you can tailor to suit your business and its unique needs. However, many people forget about business insurance due to the perception that it is expensive. So, how much does business insurance cost?
The cost of Business Insurance
The cost of insurance will depend on the amount of coverage your business needs. As well as this, it depends on the different policies that you want to include in the overall policy. This means that business owners can control the cost of business insurance by building a unique policy with a range of different covers.
One essential aspect of business insurance is employers’ liability insurance. If your business employees any member of staff, then it is a legal requirement to have employers’ liability insurance in place.
Other aspects of the insurance are not a legal requirement but can still be incredibly beneficial include public liability insurance. This provides coverage to third-party individuals such as customers or contractors in the event of an injury or property damage as a result of your business.
Another popular option is to include professional indemnity insurance. This is particularly useful for business that offers advice to customers that could prove to be faulty. If your advice may cause financial loss to your customers, then having this protection means you can pay in the event of a claim against you.
The main factor that will affect the cost is the risk of your business. Small businesses with less risk will pay a much small price. Rather than a large business that comes with a great deal of risk. The best way to determine the cost of business insurance for your needs is to get in touch with Just Quote Me. You can discuss your individual needs and the team will explain the various premium costs depending on what level of cover you would like.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Dec 18, 2018 | Builders Insurance, Compare Public Liability Insurance Quotes, Employers Liability Insurance, Home Insurance, Insurance, Plant and Machinery 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.
by jqm | Dec 11, 2018 | Builders Insurance, Employers Liability Insurance, Home Insurance, Insurance, Public Liability Insurance, Roofers Insurance, Scaffolders Insurance, Tradesman's Liability 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.
by jqm | Dec 4, 2018 | Builders Insurance, Home Insurance, Insurance, Public Liability Insurance, Tradesman's Liability Insurance
If you’re looking to upgrade your home, it can come with risks. Renovations can lead to property damage, mistakes can occur, and issues appear. All of which can be time-consuming as well as expensive to put right. With this in mind, renovation insurance can provide the peace of mind that you need when you’re doing up your property.
What is Renovation Insurance?
Renovation insurance is a type of property insurance that can provide protection for the home while it is being upgraded and renovated. The insurance can cover the existing structure as well as the materials and new work completed. Renovation insurance can also cover the tools, equipment and plant machinery on site during the completion of the work.
Is my Builder’s Public Liability Enough?
Most reputable builders will have public liability insurance. However, in order to make a claim on their insurance, you need to prove their work was negligent. This can often be difficult to determine and can take an incredibly long time to process.
What’s more, many people undertake their own renovations or get family and friends to help. In which case, any damage caused to the property or people on site would not have insurance. Regular home insurance policies do not cover periods of renovation. When people have the potential to suffer harm or injury from home improvements, then having renovation insurance will mean you have the necessary protection. It means you can cover the cost whether you are defending or pursuing a claim.
When considering the cost of renovations and the additional costs if work suffers damage by fire, flooding or storms, the small sum for renovation insurance can undoubtedly pay off in the long-term as well as providing much-needed peace of mind during a usually stressful time.
Do you have questions about Renovation Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 27, 2018 | Business Insurance, Business Liability Insurance, Compare Public Liability Insurance Quotes, Insurance, Public Liability Insurance, Tradesman's 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.
by jqm | Nov 13, 2018 | Insurance, Mini Fleet Insurance, Motor Fleet Insurance
With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses to add to their fleets. Of course, for these new ways to power the vehicle, you need the right insurance; electric car and van fleets insurance.
How Can Electric Car And Van Fleets Insurance Save You Money?
Of course, for the cost of fleet insurance, there are several variables that may affect the price. However, by having a fleet of electric cars and vans, fleet managers often find that they make significant savings with their insurance.
Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van fleets insurance.
Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.
Finally, studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. While this focus is mainly for individuals, research has found that it is helping fleet managers too. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.
Do you have questions about Electric Car And Van Fleets Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Oct 30, 2018 | Insurance
With overseas holiday home insurance, you can relax and have peace of mind, even if you are not there. Holiday home insurance is vital to protect your building and contents, much like a normal home insurance policy. However, when you have a holiday home that is abroad, you need a specialist insurance policy.
Overseas holiday home insurance helps to protect you from the financial burden of property damage. It can also provide cover if your offer your holiday home for family use. Furthermore, you can find overseas holiday home insurance that covers your home if you let your property out to holidaymakers.
Why Do I Need Overseas Holiday Home Insurance?
When your holiday home is abroad, you need peace of mind that it will be protected, even if you aren’t in the same country. Overseas home insurance provides peace of mind as well as simplifying the process of insuring a home abroad. Furthermore, it gives you just as much protection as you give to your primary residence.
What Can I Include In Overseas Holiday Home Insurance?
You can tailor your overseas property insurance to suit your exact needs and requirements. Your policy may need to include certain products if you plan to rent out your home to holidaymakers. However, if your holiday home is just for your sole use, then you may not need cover for the loss of rent, for example. Some of the aspects that you may wish to add to your policy include;
- Loss of rent and alternative accommodation cover (should something happen when you rent the property out)
- Emergency travel expenses
- Public liability insurance
- Accidental damage for glass and sanitary ware
- Personal possessions while away from home.
Do you have questions about Overseas Holiday Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Oct 23, 2018 | Home Insurance, Insurance, Insurance Online, Insurance Quote Online, Landlord Insurance, Personal Insurance, Public Liability Insurance
If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.
A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.
Why Do I Need Holiday Home Insurance?
While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.
If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.
What Can I Include In Holiday Home Insurance?
Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;
- Contents insurance
- Emergency travel cover
- Personal possessions insurance (for items that you store outside of the home)
- 24-hour helpline.
All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.
Do you have questions about Holiday Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
