by jqm | May 2, 2019 | Business Insurance, Cyber Liability Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
All businesses rely on an IT infrastructure to some degree. As a result, you are exposed to the risks of business interruption, income loss, damage management and repair, and possibly reputational damage if IT equipment or systems fail or are breached, and you don’t have Cyber Liability Insurance.
A UK Government survey estimated that in 2015 74% of small to medium-sized organisations suffered a cyber breach. The average cost of a cyber-security breach can be as much as £310,000.
This is especially important to you if you hold:
- Sensitive customer details such as names and addresses or banking information
- Rely heavily on IT systems and websites to conduct your business
- Process payment card information as a matter of course
What is Cyber Liability Insurance?
The penalties can be high if a company’s IT security is found to be inadequate and a breach occurs. Under EU regulations which came into force 25th May 2018, you are required to notify your customers of a cyber security breach and could be fined up to 4% of your turnover.
In addition to potentially substantial fines it can also lead to a damaged reputation, legal costs and associated business disruption and lost revenue.
Will your customers trust you after a security breach?
Cyber Liability has become headline news following a number of high profile hacking cases. This has led to a greater awareness of the risks and need for cover. Yet it’s not just the large corporates who are at risk.
As a business, you are likely to hold a lot of personal and sensitive data concerning your customers. The increasing use of online portals could give hackers access to sensitive information held about individual customer accounts.
Cyber Liability covers you against financial losses and third-party liabilities up to the limits chosen arising from cyber attacks.
Every organisation is a potential victim
All organisations have something of value that is worth something to others. You may experience some form of cyber attack if you openly demonstrate weaknesses in your approach to cyber security by failing to do the basics.
Part of your risk management process should be assessing whether you are likely to be the victim of a targeted or un-targeted attack. Every organisation connected to the Internet should assume they could be a victim of the latter.
Either way, you should implement basic security controls consistently across your organisation. Where you may be specifically targeted, ensure you have a more in-depth, holistic approach to cyber security.
The Stats
Recent reports revealed that despite increased efforts and spending in the realm of reducing cyber-risk, over 60 per cent of UK businesses identified that they have a cyber-security skills gap. What’s more, over half of these organisations believe they have an increased risk of suffering a data breach as a result.
What does your Cyber Insurance cover?
Cyber insurance may cover several different things, dependent on the level you opt for. There are policies which offer scalable cover including elements such as:
- Data Breaches
- Dealing with any cyber liability compensation claims
- Cover for business losses and interruption
- Cover for supporting your business through the aftermath and impact of the cyber event
- Hardware and data repair and replacement
- Forensic investigation, expert advice and IT support
Don’t risk it. Cover your business with Cyber Insurance today by getting in touch or going to this page on our website.
If you would like to know more about the possible risks and solutions to your business’ IT department, we’ve prepared a PDF with more information which you can download here.
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 14, 2017 | Just Quote Me, Travel Insurance
With the snowy and stormy conditions across the UK recently, many people have been disappointed. Missed flights, delays and more can ruin a holiday and without travel insurance there may be nothing you can do to recoup your losses. No one wants to think of the negatives when travelling for leisure (or business) but planning for the worst allows you to enjoy the best. Just Quote Me can help you organise your travel insurance today.
Why is Travel Insurance Important?
You need travel insurance to travel with peace of mind. You need the right level of cover for your travel too, not just any policy. Travel insurance makes sure you get proper medical care should an accident, illness or injury occur. Some travel insurance will also cover transfer back to the UK if necessary.
What’s more, travel insurance isn’t just to cover medical costs. It can help you should there be delays, hotel issues or even incidences such as theft and unwarranted expenses during your travel. Your level of cover will determine what you can claim against.
Do I need Travel Insurance in the UK?
Many people would assume there is no need to be insured if travelling within the UK. However, accidents still happen, as do delays and other issues with your travel. The NHS removes the worry about medical issues, but what about everything else? What if your luggage is lost or you a victim of theft? With insurance in place these issues do not need to adversely affect your break.
Online Travel Insurance Quotes with Just Quote Me
You may or may not know what level of travel insurance you need. Our experts can help you look through a range of quotes and find the right policy for your needs. You may be a frequent traveller and need long-term cover or you may want to just protect yourself for a single special trip. In any event, the Just Quote Me team can help you arrange your policy today.
by jqm | Dec 7, 2017 | Home Insurance, Just Quote Me
Research carried about by consumer group Which shows UK home insurance prices are on the rise. Premiums for home insurance in October 2017 were 8.5% more than they had been in the previous year. This shows just how important it is to compare quotes online, shop around and find the best possible home insurance policy for your family.
Although it isn’t strictly mandatory you have home insurance, you will find it hard to get a mortgage without one. Almost all mortgages include a clause which states home insurance is necessary. Homeowners therefore, need to explore their options, compare home insurance quotes online and find the best possible policy for their needs.
What will your Home Insurance Policy cover?
There are many different levels and types of home insurance. There is a basic level of cover in almost all policies and you will probably find that it will cover different compensation types for different types of accident, incident or cause. Your home insurance policy is likely to cover damage and loss caused by incidents such as earthquake damage, fire damage, malicious damage and explosion damage. It may also cover oil leaks from the heating system, vehicle or animal impact damage and damage caused by falling trees.
Policies may also feature further clauses which allow for compensation for issues such as damage caused by shoddy workmanship or even general wear and tear. You will find home insurance has a personal liability element too – protecting you should someone be injured in your home and attempt to claim for compensation for negligence on your part.
Online Home Insurance Quotes with Just Quote Me
Home insurance is an essential investment for many of us. Therefore, it is important to spend time finding the right policy, at the right price. With prices increasing it is more important than ever that you spend time checking quotes online. This increases your chance of finding a good quote. At Just Quote Me our expert insurance specialists can help you find the best quote for your home. We can also go through your options with you.
If you have any questions, want to discuss your home or anything else at all you can contact Just Quote Me directly or you can request a call back today.
by jqm | Apr 18, 2017 | Just Quote Me
From May 20th, the Tobacco and Related Products Regulations 2016 come into effect and they have significant impact on many e-cigarette and vaping companies. The changes regulate what can and can’t be sold and they make it even more important to have the right level of e-cigarette insurance in place for your vaping shop, factory or other business in this sector.
The new legislation makes some big changes to the sale of e-cigarettes and e-liquids including:
- Refillable tanks can measure no more than 2ml in capacity
- E-liquids cannot be sold in bottles larger than 10ml
- All e-cigarettes and e-liquids must be registered with the Medicines and Healthcare products Regulatory Agency before they can be sold
- All packaging must be child-resistant and tamper evident
These are just some of the changes coming into effect and this may mean a change of how you produce your product range or order your stock but more importantly, it may mean you need to remove certain products from sale.
E-Cigarette Insurance with Just Quote Me
At Just Quote Me we offer specialist guidance and insurance cover for businesses in the e-cigarette and vaping sector. Our e-cigarette insurance advice can help ensure you have exactly the right level of cover for your business. E-cigarettes are a new technology and the industry is still relatively young. While there is some regulation in place, things may change further and you should protect your business against all potential outcomes. Quality e-cigarette insurance may be specifically for your shop, factory or laboratory. However, there is also e-cigarette product liability insurance, which may be particularly important after the new legislation.
In such a new area of business it is particularly important to protect yourself and your company. Just Quote Me can help you get the right level of e-cigarette insurance for your business.
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by jqm | Feb 17, 2017 | Builders Insurance, Just Quote Me, Restaurant Insurance
The pop-up sector is booming and pop-up restaurants are all the rage. They are a great way for new businesses to create interest around their food. Just because a pop-up is housed in a temporary premises does not mean it is exempt from insurance. Pop-up restaurant insurance is essential for the successful and compliant running of a business. Many pop-ups only operate for a few weeks or months but they still need proper insurance cover.
The UK pop-up sector is truly on the up A 2015 report put its value to the economy at £2.3bn and this is bound to have increased. Choosing to test your food concept with a pop-up is a great way to get a feel for how people react to it. As a prudent business owner, you should provide adequate protection for your business and its patrons, with pop-up restaurant insurance.
Where can I find a specialised Pop-Up Restaurant Insurance Policy?
Specialised options for pop-up restaurant insurance are not common. Insurers prefer to work on a case-by-case basis. Each pop-up can present a unique insurance challenge. This is due to a range of factors from their short-term nature to their size to their location. They may or may not employ staff, they may hold high value stock or they may have other related risks and this makes them difficult to insure with an ‘off the shelf’ solution. It probably seems like securing adequate cover for a pop-up is difficult. This doesn’t have to be the case with the right professional guidance and that is exactly what we offer.
At Just Quote Me we work with businesses of all shapes and sizes, including pop-up restaurant owners. Our expert staff can work with you to ensure you secure all the cover you need. A pop-up restaurant may need employers’ liability insurance, public liability insurance and additional covers specific to their operations. Pop-up owners must prepare and protect their business against potential risks to avoid the risk of financial damage, and loss of reputation.
Just Quote Me pop-up restaurant insurance takes into account the individual requirements of each business. Furthermore, we make sure to arrange the cover you need, tailored to your business. Get in touch today to discuss your new venture.
To Compare Pop-up Restaurant Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
Image: “The Secret Garden Dublin – A Pop Up Restaurant in Meeting House Square” by informatique used under CC BY 2.0
by jqm | Nov 30, 2016 | Just Quote Me, Local Business Insurance News, Office Insurance
Are you looking for Office Insurance?
Whether your office is based in your home, a surgery or an office block, it’s important to invest in bespoke office insurance.
It’s a great way to protect yourself, your staff, building contents and the premises. It has the potential to save you thousands of pounds and certainly isn’t something that should be ignored until a later date. Should a fire occur in your office, it would cost you a small fortune to return the building to its former state as well as replace everything in the office.
When you have office insurance, you can relax in the knowledge that you’re covered in any event.
Find Bespoke Office Insurance Online
It’s important to do your homework when it comes to buying office insurance for your business.
A good idea is to use an insurance comparison website like Just Quote Me. We compare insurance policies from several insurers throughout the country in order to find the one that fits your needs exactly. The company has been a leader in its field for 28 years and is best-placed to match you with affordable and suitable office insurance for your business in the UK.
Get your FREE Office Insurance quote today
Call us on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 4, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance, Small Business Insurance Quote
Federation Of Small Businesses (FSB)
Are you a member of the Federation Of Small Businesses (FSB) and looking for the best prices in the UK for Small Business Insurance? Then we can help – Just Quote Me the UK’s fastest growing Online Business Insurance comparison site and just what you need to get the expert advice and fantastic prices that you need on insurance.
Paying too much? Does your Renewal price seem to go up year after year then use our FREE Quote System to get your own prices and see if your current providers are indeed charging you way too much.
So for the best Small Business Insurance prices for FSB members Insurance visit our FREE Quote System or call us on 0800 084 2325.
by jqm | Oct 27, 2016 | Business Insurance Blog, Insurance Online, Just Quote Me, Small Business Insurance
Are you looking for Small Business Insurance?
Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers. We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade. So if you are a small to medium business or SME – contact Just Quote Me to see how we can help you.
You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.
Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.
If you prefer to call us – Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.
Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.
For expert small business insurance advice call Just Quote Me FREE on 0800 084 2325 or by fill out our Online Quote System.
by jqm | Oct 26, 2016 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Just Quote Me, Small Business Insurance
Looking for Simple Business Insurance?
Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – justquoteme.co.uk
The process is easy. All you need to do is call for FREE on 0800 084 2325 or enter your details into our Online Quotation form and then our Quote and Buy system will compare Simple Business Insurance Quotes from our various Insurers.
Simple Business Insurance is available to over 3500 different occupations and the types of insurance we offer cover any of the following:
We have them all covered via our Simple Business Quotation system – Our clients are proof of just how fantastic this system is why not try for yourself – after all it’s free!
For Simple Business Insurance visit justquoteme.co.uk now and see how much you could save. Great prices, exceptional covers!
by jqm | Oct 24, 2016 | Business Insurance, Business Insurance Blog, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
Are you looking for LPG Insurance?
Just Quote Me offers specialised LPG Insurance to businesses across the UK.
We’ve been arranging LPG Insurances for companies who both store and distribute LPG across the UK. Just Quote Me covers the cylinders whilst in transit, we cover the refilling tank at your premises and it’s contents, we cover all Liabilities needed and clean up costs etc in the event of a spillage or contamination of third party property.
For companies involved in the LPG industry, we can offer best rates and bespoke covers to you, why not call now and get a quote from the insurance experts! we understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
We understand your Industry and how passionate LPG companies are about both their products but also the fuel itself which is a greener and far more cost effective fuel than other alternatives.
For all different aspects of LPG company Insurance Just Quote Me can offer a unique policy to cover all your demands and needs so visit us now and get it covered right!
Call FREE on 0800 084 2325 or fill out our online quote system.
by jqm | Oct 18, 2016 | Business Insurance, Just Quote Me, Local Business Insurance News, Small Business Insurance
Are you looking for insurance quotes that are tailored to your unique requirements?
Then head to Just Quote Me today. All too often, insurance policies do not offer the right level of cover to suit an individual or business. In the event of a claim, this can lead to big problems.
When you purchase your insurance through Staffordshire company Just Quote Me you can rest-assured that your policy has been tailored to your exact and specific needs. This isn’t surprising when you consider that the team behind Just Quote Me has over 28 years experience in the insurance arena and so possesses a wealth of industry knowledge.
We look to find you cheap insurance that offers you the right level of cover. Whether you require business insurance, landlord insurance, vehicle insurance or travel insurance, Just Quote Me should be your first port of call.
Giving you back Control
Just Quote Me works to give its customers back control of their insurance.
Therefore it offers a very transparent service that enables West Midlands customers to choose the insurance policy that suits their needs exactly.
If you’re looking to reduce the cost of your insurance without lowering the level of cover you receive, speak to one of the friendly team on 0800 0842 325.
