by jqm | Nov 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance UK, Insurance, Insurance Online
Whether they manufacture, store or sell wholesale goods, warehouses generally hold large volumes of stock which would be expensive to replace if they were stolen or damaged. The same is true of the building itself and the equipment inside. This is why businesses need warehouse insurance. Without it, they won’t be able to protect their property, their workforce, their clients or customers.
Warehouse Insurance Policies
Companies can buy a single, comprehensive, warehouse insurance policy or separate policies that will offer full protection altogether. Whichever option they choose, however, their insurance cover should include:
- Buildings Insurance, including water, fire and accidental damage. Malicious damage is also included in some policies, or business can ask it is added.
- Stock Insurance, which replaces damaged stock.
- Content Insurance, which includes all the non-stock elements of a business that might be housed in a warehouse. For example, shelving, computers, and other equipment.
- Product Liability Insurance, which protects businesses if the products they sell are faulty.
- Employers Liability Insurance, a legal requirement for all warehouses who employ staff. This covers for accidents and incidents that happen in the warehouse itself, including the use of tools and equipment.
- Warehouse Public Liability Insurance, which provides cover against claims made by visitors to the warehouse due to a company’s negligence.
Where businesses use drivers to deliver goods, they might also want to consider additional insurance for forklifts or trucks used to make deliveries.
Because there are so many elements to warehouse insurance it is essential that businesses get it right. If they don’t, they could find themselves covering costs for replacing stock or equipment or liable if staff or visitors are injured.
Buying warehouse insurance
Do you have questions about warehouse Insurance? Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 12, 2019 | Business Insurance, Business Liability Insurance, Insurance, Insurance Broker, Plant and Machinery Insurance, Small Business 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.
by jqm | Oct 22, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Online, Just Quote Me, Plant and Machinery Insurance, Professional Indemnity Insurance
If a business uses raw materials, parts or components to produce goods, it falls under the heading of manufacturing. This applies whether that business provides those goods in an artisan workshop operated by a sole trader or a factory employing hundreds of workers. And it applies whether those goods are clothes, computers or cars.
As a result, finding manufacturing insurance can be complicated. This is why it’s so important for businesses to get it right. If a business doesn’t get it right, they could find themselves having to cover the cost of lost or stolen goods, repairing or replacing machinery, or compensation claims.
Insurance for manufacturing plant policies
Businesses can buy a single, comprehensive, insurance policy or separate policies. When businesses combine policies they offer full cover for any eventuality. Regardless, insurance cover should include:
- Employers Liability for staff injured while at work.
- Public Liability for customers, visitors or members of the general public injured on the premise.
- Manufacturing or Product Liability if anyone suffers an injury due to their products.
- Building and Contents for the physical, bricks and mortar, building and equipment stored inside.
- Stock and Raw Materials, which aren’t covered by contents insurance.
- Plant and Machinery, which covers repair or replacement of machinery, which can be expensive.
- Business Continuity, which includes the costs of setting up an alternate location or of losses from customers taking their business elsewhere.
Buying insurance for manufacturing plant
Because there are so many different types of manufacturing businesses, it is necessary you choose the policies that work best for you. And the best way to do this is to work with an independent insurance broker such as Just Quote Me. Just Quote Me can find you the best policies at the best price. By taking the time to discuss your specific requirements and getting to know your business, Just Quote Me work hard to find the perfect policy for you. Contact them today on 0800 084 2325 for a free, no-obligation, manufacturing plant insurance quote.
by jqm | Oct 15, 2019 | Business Insurance, Business Insurance Blog, Commercial Insurance, Farm Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
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.
by jqm | Oct 5, 2019 | Commercial Insurance, Construction Insurance, Home Insurance, Insurance, Insurance Online, Just Quote Me, Personal Insurance
The term stately home can mean different things to different people. In general, however, it means a ‘grand’ property that has a ‘stately’ appearance. For example, country homes, historic properties and listed buildings are often described as stately homes. One critical thing that these properties needs is stately home insurance.
Charities such as English Heritage own many of our stately homes, as do local authorities (who use them as offices). Others are now hotels. However, some are still privately owned. Owning a stately home means owning something that is unique; a part of our history, which is wonderful.
What is perhaps not so wonderful is how much it can cost to maintain a stately home. As with the home itself, how much it costs to maintain will be different. Conservative estimates, however, suggest it could be around 2% of the property’s value each year. And this is without anything major going wrong, which is where Stately Home insurance comes in. Because, without it, things could get very expensive indeed for homeowners.
Stately Home insurance cover
Owners of stately homes will need specialist insurance cover. For example, most stately homes are older buildings and might need repairing using traditional building methods. If the building is Grade-Listed, then it will certainly need specialist care. As a result, it’s important insurance policies include repairs. Insurance should also include the physical ‘bricks and mortar’ building, land and contents. If the building is open to the public, this needs to be taken into account too. For example, owners will need employer’s liability insurance if they employ staff.
Buying Stately Home insurance
With so much to consider, it’s important to get specialist advice. Which is why you should speak to an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no-obligation, stately home insurance quote.
by jqm | Sep 17, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Insurance Quote Online
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.
by jqm | Jul 23, 2019 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Quote Online
Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?
Look around
Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.
Get a free quote
Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.
What is the Just Quote Me approach?
Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.
Get the basics
Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.
Do you have questions about comparing business insurance quotes?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jun 28, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker
New build homes are becoming popular, and if you’re one of the thousands of people buying a new build property, then you’re probably in need of new build insurance.
What is new build insurance?
A new build will come with a warranty, but that will only cover you for issues relating to building work that was carried out by the home developer. New build insurance would cover you outside of that, including floods, fire or subsidence.
Why is it important?
New homes may seem fault-free on the surface, but as nothing in the property is tried and tested, you may begin to notice things like leaking showers or less than perfect electrics.
What are the benefits of having new build insurance?
It might be something your mortgage provider insists you have to make sure you’re able to pay bills when things go wrong. There are always risks when it comes to buying properties – even new builds. If you buy the property outright, you don’t technically need new build insurance, but it would mean you are not covered if there are issues further down the line.
Getting new build insurance from the date you exchange contracts can protect you if the builders are not covered by the National House-Building Council (NHBC). The NHBC offers a building certificate which provides the 10-year warranty for new homes and new conversions.
New build insurance and the NHBC Buildmark cover you if you’ve exchanged contracts and the builder goes bankrupt before your property is finished. Sadly, new homeowners faced with unfinished or shoddy properties is a common sight, and once the contracts are exchanged, it’s challenging to get the builder back on site to fix any issues regardless of what the warranty says.
New build homes are often cheaper to insure than older properties because they are fitted with the latest technology. They’re usually more efficient to heat and have the most secure doors, windows and locks to protect from burglary.
It’s also worth noting that if you are struggling to insure your newly built home – we can help. Most new builds can get insurance, but a few insurers fail to update their databases, so it could be the case that your new postcode just isn’t registered yet. However, we will be able to seek out the best insurance for your needs.
Do you have any questions about new build insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 27, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker, Insurance Online
If you’re keen to renovate your property but want to avoid the costs that come with correcting mistakes or accidental damage during the work, then you’re likely to need renovation insurance. It may be the peace of mind you need when creating your ideal property.
Who is Just Quote Me?
Just Quote Me is a company dedicated to securing business and personal insurance. The team of independent brokers has over 28 years of industry experience and have placed cover for both local and national businesses. Just Quote Me has worked with a variety of cases from charities and places of worship to wine bars and nightclubs.
What is renovation insurance?
Renovation insurance is necessary for providing properties protection for the home while it is being upgraded and renovated. The insurance covers the existing structure as well as the materials and new work that is completed. It can cover tools, equipment and plant machinery on site during the renovation.
What are the benefits of using Just Quote Me?
- The insurance you need
It recognises that under regular home insurance, any injuries obtained during renovation is not covered in the policy. Even the builder’s public liability insurance can mean that claiming is a long process, difficult to determine and might not cover you if there is no proof that work is negligible.
- The best deals
The company is made up of independent brokers, which means that the team searches insurance providers to find you the best deal. It also saves you the time it takes to search for yourself and uses their expertise to filter out to the least desirable deals.
- Instant documentation
The policy documents are emailed to you instantly, so there is no need to wait for paperwork to come in the post. This means they make the whole process quicker and more efficient.
- Three simple steps
The approach we take is in three simple steps. 1) You complete online forms and receive an instant online quote. 2) We use quick quote forms for the customer to explain their needs. 3) Just Quote Me will then come back to you with the most appropriate insurance.
- Trusted and accredited
Just Quote Me is a member of the British Insurance Brokers’ Association which validates our business as a reputable and knowledgeable company.
Do you have any questions about renovation insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
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!
