Working from home is becoming more and more common. While there are many advantages of home-working, there are several extra things that you need to consider if you set up a home office. One of these is whether your current home insurance is sufficient for using your home as an office. If not, you may need to consider home office insurance.
What does home office insurance cover?
The best home office insurance will be tailored to your needs. At the very least, it should cover your equipment and any loss of income in the case of fire or theft. Beyond that, it is going to depend on the specifics of your business.
If you have employees, you will need employer’s liability insurance. It is a legal requirement to have this insurance. It provides you protects in the event that one of your employees makes a claim against you for illness or injury.
If you have visitors coming into your office you should consider having public liability insurance. This covers and legal costs that might arise should someone be injured while on your premises.
If you are an online retailer then you might want to include cover for your online business. Alternatively, if you offer consultancy or advice as part of your business then professional indemnity insurance can cover you in the event that you make a mistake or provide poor advice. If you use your car for business then you may need to upgrade your insurance here as well.
Whatever you need can be bundled into a single policy that is your home office insurance.
Where to find home office insurance
Just Quote Me are online insurance brokers. They can help you find the right policy for your needs. If you aren’t sure precisely what cover you need then your best course of action is to discuss your business and current cover with the experienced brokers at Just Quote Me. They will give you advice about cover and help build a package that offers excellent value cover. Talk to them today to find out what cover you need.
Normal home insurance doesn’t always cover your office equipment and supplies when you’re working from home. Having an office in your house is great for flexible working or having a break from the office environment. How do you know if you need home office insurance?
Do you run a business from your home?
A large number of businesses began from someone starting them up in their own homes. If you work from home, you’re going to need insurance. You need cover just like any business.
Unfortunately, accidents happen all the time, and public and employer liability insurance is still something your policy should cover. This also includes, most importantly, personal accident insurance. If you’re self-employed, but you hurt yourself and are unable to work, you’re going to need insurance to keep yourself afloat.
In addition to this, you need to cover the contents to your office from your computer, down to your supplies. Separate of this is home business building insurance. This covers your home and office against disasters like fire or flooding. If disasters occur, you’re not only losing your home – but also your office!
There is even an online retailer’ insurance. This covers you if you’re business sells goods online. It is probably the case that all of your stock is stored on your premises and so this needs to be covered against theft or damage. Otherwise, you have nothing to sell!
Home Office Insurance
Finding the right insurance can be a headache. Each businesses insurance needs will vary greatly. Therefore it’s important you have the right professional and expert guidance, so you’re fully covered but also not buying something you don’t need.
Do you have questions about Home Office Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
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.
When running an office, you want to make sure you have a good comprehensive policy that covers all aspects of the office environment. When searching for office insurance quotes you’ll want to ensure all aspects of your business and office are included, so what should you look for with office insurance quotes?
What Is Office Insurance?
Office insurance will primarily cover three main aspects of your office and business as a whole. These include protecting;
- Your workforce, customers, visitors and third-party individuals
- Your office and equipment on the premises
- The outgoing costs of the business.
All of these will usually have protection with;
- Employer’s liability (a legal requirement if you employ staff)
- Public liability
- Buildings and contents insurance
- Business interruption insurance.
While these are the policies that are typically included in office insurance quotes, insurers understand that every office is different. Therefore, you can tailor a policy you need to suit your requirements and cover your specific risks.
What Should I Look For With Office Insurance Quotes?
As well as the main aspects of office insurance mentioned above, other optional cover options could include;
Legal Cover – To support with legal fees if you face legal action from a third-party individual.
All Risks – Can cover your laptop and mobile phone as business assets. Furthermore, you can include them to suit your travel needs such as UK-only or worldwide.
Professional Indemnity – If clients take legal action based on the advice you provide.
As well as looking for optional cover to cover all of the specific risks of the business, it is essential to check the costs of the policy and the excess, to make sure this is an amount you can reasonably cover.
Furthermore, you may be able to save money on office insurance quotes if you have multiple offices or are considered a relatively risk-free enterprise.
Do you have questions about Office Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
Your office is the hub of your business and where all the important stuff happens. With this in mind investing in a good level of office insurance is vital for the successful business. Most office insurance policies have three key elements:
- Protection of your premises and equipment
- Protection of your staff and customers
- Financial support should their be a pause in trading
The level of cover you need in each area will depend on many different business factors and the overall cost too will be effected in this way. However, Just Quote Me can organise your office insurance from just £225 a year, giving you that extra level of protection and peace of mind for your business.
Office Insurance Cover
Office insurance cover may factor in many different elements but most policies will include:
Public Liability Insurance
For protection of your business and your customers. Public liability insurance cover loss, damage or injury to third parties in your office and in its immediate area such as private car parks etc.
Employers’ Liability Insurance
A compulsory requirement if you have a single employee. The legal minimum of employers’ liability insurance is £5m and ensures your business is prepared should an employee or ex-employee sue for compensation.
Office Buildings and Contents Insurance
If you own the building your office is in then you need buildings insurance to protect it. Office contents insurance is essential if you rent your offices unfurnished as it protects your equipment and other ‘contents’ essential to your business including shelving, desks, furniture etc. Unless you rent a furnished office then contents insurance should be a real consideration.
Business Interruption Insurance
If your office is damaged, ruined or becomes unusable, business interruption insurance will keep your rent paid as well as other overheads such as wages and expenses which still need to be paid despite the interruption of your business duties.
Just Quote Me can arrange office insurance for practically any business. As mentioned our prices are competitive and if you get in touch today we will quickly and efficiently help find the right solution for your business.
Have you just started running a new business in Stafford?
Then you’re probably pretty excited right now. The early days of running a business can be thrilling and of course your number one priority will be making money and ensuring that your venture is a thriving success.
However, it’s vital that you insure your office so that it is protected in the event that something goes wrong. Should your office be flooded or be damaged by fire for instance, the right office insurance policy can ensure that you’re fully covered and that you can get back to work as soon as possible.
Choose the Right Office Insurance Policy
When you’re looking for office insurance for your business, don’t simply choose the first policy that you’re offered. All businesses are different and it’s important to select a policy that’s tailored to the unique needs of your business. The world of insurance can be confusing and so its a good idea to get advice from a leading insurance comparison – Just Quote Me.
The Just Quote Me team has over 30 years of industry experience and is best placed to advise you on your options when it comes to buying office insurance for your business. Whether you’re in Staffordshire or the West Midlands, find out more today.
To Compare Office Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
Are you looking for Office Insurance Quote Online?
As a business, your office will be one of your most important assets. This makes it vital that it’s properly protected.
Tailored office insurance can ensure that you’re covered in the event that something should happen to it i.e. a break in or a fire. Having the right insurance in place means that you can get back to work as soon as possible.
Most business owners know that they need office insurance but many are unsure about how to go about obtaining the right cover to meet their needs. A good idea is to get a quote from Stafford company Just Quote Me – the UK’s premier insurance comparison website for businesses in Staffordshire and the West Midlands.
Quick, Quality Cover Starting a new business can be exciting, however, it’s important to remember to purchase office insurance before you begin trading.
To get an Office Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
Are you starting a new business and looking for office insurance?
Then you’ll no doubt be pretty excited right now and looking forward to achieving success in your chosen field.
However, it’s foolish to assume that your path to prosperity will run smoothly and without a hitch. It can be easy to become swept up in the excitement of starting a new business but it’s vital that you’re prepared for any stumbling blocks that you might encounter along the way.
A good idea is to invest in office insurance so that in the event that something were to happen, such as a break in or fire, you would be covered. Having office insurance in place would allow you to get back to work as soon as possible.
Where to Buy Office Insurance Office insurance can help your small business to succeed in the longer term and this is why it’s such a vital investment.
To find office insurance that meets your business’s unique needs, contact Just Quote Me – the UK’s premier insurance comparison website for businesses in Staffs. Whether you’re in Staffordshire, West Midlands or in the UK, contact us today to begin your search for office insurance for your business.
To get a FREE no obligation Office Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
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.