by grant | Jan 20, 2021 | Business Insurance, Public Liability Insurance
Get A Public Liability Insurance Quote Online Today
Looking for a public liability insurance quote that’s tailored to your company’s needs? Then contact Just Quote Me today to see how we can help – go to our online Quote System or call us on 0800 084 2325.
The team at Just Quote Me understands that every business is different and that insurance should reflect this. Whether you have a pub, restaurant, shop or manufacturing plant – we can help.
The Importance of Public Liability Insurance
Don’t make the mistake of assuming that Public Liability Insurance is a luxury that you do not need. On the contrary, both public liability insurance and employers liability insurance (if you employ one or more employees) are legal requirements.
To ensure that you’re staying on the right side of the law and that you are fully protected from any loss that might arise from a claim, get yourself Public Liability Insurance from Just Quote Me. The company has been a leader in insurance for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.
FREE no obligation Public Liability Insurance quote
To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.
by Stephanie | Feb 18, 2020 | Business Insurance, Compare Public Liability Insurance Quotes, Online Business Insurance Quote, Public Liability Insurance, Small Business Insurance, Small Business Insurance Quote
Whether you are working as a plumber or in a related trade, the chances are you will need some form of insurance. Because of the potentially hazardous work completed by plumbing contractors, there is a risk of compensation claims.
Self-employed plumbers, sub-contractors and plumbing companies all require insurance for their work. The type of insurance that you require will depend on the business type and work that you complete. So that you can understand your requirements, we’re covering the types of coverage you need and who they are for.
Employer’s Liability Insurance For Plumbing Contractors
Anyone who runs a business that has employees is required to have employer’s liability insurance. Because you are hiring other plumbers and engineers for your work, you need to ensure they have protection. This type of insurance covers you from claims made by employees due to illness or injury at work. Because you have a duty of care to your staff, your insurance company may not pay out if this has not been exercised.
Public Liability Insurance
Public liability insurance is not a legal requirement for plumbing contractors but is still useful to have. It offers protection against claims that are made by customers or the public. Because plumbers are at risk of issues such as leaking pipes and poorly installed boilers, this cover is essential. Even if you have completed a job to a high standard, you should remember that accidents can happen. So that you ensure you have proper protection, you should always have public liability insurance in place.
Other Plumbing Contractors Insurance
In addition to these insurance policies, there are some others that you may need. Because you are operating commercially, you may require specific commercial insurance on your vehicle. You may also need to cover tools and equipment to protect yourself from loss, theft or damage.
Are You Looking For Plumbing Contractors Insurance?
For a FREE no-obligation quote for your plumber’s insurance policies, get in touch with our friendly team today.
by Stephanie | Dec 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Local Business Insurance News, Public Liability Insurance
Plumbing contractors insurance covers plumbing contractors against claims, injuries and accidents made by their clients or other individuals. While working on a client’s home, a plumbing contractor can cause damage to property or injure a person. Getting the proper contractors insurance in place means you won’t have to pay the entire compensation on your own.
Why Is Plumbing Contractors Insurance Important?
Like in many trades, plumbing has its share of health and safety risks. A plumbing contractor can cause injury to anyone, including clients, a passerby or even themselves. Obviously, the contractor will have no choice but pay demanded damages.
Damages can be as expensive and may be well out of budget for the average plumbing contractor. Having the right insurance allows contractors to work efficiently without worrying about damages, injuries and compensations. Furthermore, with insurance in place, you’ll only have to pay the excess.
The little matter of public liability
Public liability is necessary for plumbing contractors cover. It ensures they’re well protected from clients or any other individuals that may suffer as a result of your work.
The policy guarantees that any accidental cause of damage to property or injury to a person is covered. Having insurance in place is often a requirement of contracts. Furthermore, highlighting the fact that you have robust and comprehensive insurance cover cements your reputation in the industry.
Of course, plumbing contractors insurance will cover a multitude of different aspects, not just public liability. In your policy, you can include essential components such as tools protection, van insurance and employers’ liability. Whatever your business needs, Just Quote Me can search and compare the market to find the best possible coverage for your business at the best possible price.
Are you looking for plumbing contractors insurance?
Give Just Quote Me a call today at 088 084 2325 to receive a free quote or Request a Callback.
by Stephanie | Nov 19, 2019 | Business Insurance, Business Insurance UK, Farm Insurance, Public Liability Insurance
Owning a solar farm is a way to generate a lot of electricity and potentially be self-sustaining as well as being a lucrative investment. However, it’s also the case that when it comes to your solar farm, you need to have the right kind of safeguards in place to protect your assets. Solar farm insurance is a big part of something like this, and it is important for you to consider working with such a system in place.
Why Do You Need Solar Farm Insurance?
So why is it that you need to have Solar Farm Insurance? Well, it’s all about looking after yourself and your assets. Consider that you have a very expensive setup which gathers energy from the sun and uses it to create electricity. If one of those machines develops a fault, you’ll soon experience issues with performance and the amount of power you have.
This could lead to bigger issues such as a loss in revenue.
It’s also quite true that it can be quite expensive for someone to try and repair their damaged equipment. You don’t want to spend a lot of money to replace one or two solar panels when you can get an insurance policy for less that does it for you if they suffer from theft or damage.
Of course, we have a selection of different policies for you to take advantage of, showcasing all of the various options that we can provide for you. We know that every solar farm is different. At Just Quote Me, we want to find you the best possible cover for your specific needs. With a range of policies available from us, you can find as much or as little coverage as your solar farm needs.
Do you have questions about Solar Farm Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by Stephanie | Jul 9, 2019 | Farm Insurance, Public Liability Insurance, Small Business Insurance
Solar farms are now a common sight. They are great at renewable energy. However, with such useful and essential technology, it’s important to protect it. Getting commercial and domestic insurance can help safeguard your farm against natural and abnormal threats and solar farm insurance is no different.
Solar farms usually cover between an acre and 100 acres of land. It’s great that you have decided to take the initiative to create a renewable energy farm. However, you’re going to need insurance. Why do you need insurance?
Potential breakdown
If you’re starting your farm, chances are the substantial amount of profit won’t come until later. Therefore, before you’re making profits, if there is substantial damage to the solar panels and they need replacing, then you’re likely to need to pay huge lump sums. By having insurance, your insurance provider can help settle the costs.
Employer or public liability
This protects you or anyone who is at risk in and around the farm. Accidents do happen, especially when dealing with items at a great height or weight.
Damaged cells
You need to work hard to keep your solar panels clean and in working order. There are risks such as fire, hail and storm damage that you should consider. It’s normally included standard. However, you’d probably want to consider the loss of income if there is damage and the farm needs to halt for a while.
Solar farm insurance
Just Quote Me are dedicated to finding the right insurance for you, that suits your needs and budget. As well as offering solar farm insurance, there are options to develop schools, local authority projects and domestic developments. We want to protect you and your renewable investment.
Do you have questions about Solar Farm Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by grant | Jun 5, 2019 | Public Liability Insurance
Just Quote Me can help with your Public Liability Insurance Cover!
Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.
Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.
Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.
What level of Public Liability Cover do I need?
The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.
When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.
Running the Risk of No Public Liability Insurance
Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.
Affordable, Comprehensive Insurance Policies from Just Quote Me
Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.
If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
by Stephanie | 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 Stephanie | 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 Stephanie | 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 Stephanie | 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 Stephanie | 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 Stephanie | Nov 20, 2018 | Business Insurance, Employers Liability Insurance, Public Liability Insurance
The job of a ground worker is incredibly varied. Furthermore, it comes with several unique risks that can invalidate a regular insurance policy. With the interesting and versatile job of a ground worker, it is essential to have the right level of insurance that is as flexible as the job. With insurance for ground workers, you can enjoy the convenience of a single policy that protects you from all of the risks being a ground worker may bring.
What Insurance For Ground Workers Includes
Insurance for ground workers can be incredibly flexible depending on your requirements and personal situation. However, there are some key elements in ground worker insurance;
Public liability – Protect individuals who may suffer injury or damage to property as a result of your work with public liability insurance. Typically, public liability insurance will cover at least £1 million. However, ground workers tend to increase the cover to £5 million due to the potential risks of the work.
Employers’ liability – It is a legal requirement to have employer’s liability insurance if you have staff. This includes casual workers and temporary staff. Much like public liability insurance, this will cover you if staff make a claim. This could be due to injury, illness or damage as a result of working for you.
Personal accident – There are many hazards for ground workers. Furthermore, if you sustain an injury during a job that makes you unable to work you could lose income and have to pay for medical costs. Personal accident insurance will provide cover for serious injuries provide money for income and to cover any medical costs too.
There are many other cover options that you can include to make your ground workers insurance. All of which can make the policy more tailored to your needs. Aspects such as tool insurance and business equipment insurance may prove useful.
Do you have questions about Ground Workers Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
