by jqm | Oct 23, 2018 | Home Insurance, Insurance, Insurance Online, Insurance Quote Online, Landlord Insurance, Personal Insurance, Public Liability Insurance
If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.
A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.
Why Do I Need Holiday Home Insurance?
While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.
If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.
What Can I Include In Holiday Home Insurance?
Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;
- Contents insurance
- Emergency travel cover
- Personal possessions insurance (for items that you store outside of the home)
- 24-hour helpline.
All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.
Do you have questions about Holiday Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 28, 2018 | Business Insurance, Business Insurance UK, Business Liability Insurance, Public Liability Insurance
Public Liability Insurance
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jun 26, 2017 | Public Liability Insurance
If your business has any contact with members of the public then investing in public liability insurance is a smart choice. This type of insurance protects your business if it is sued for injuries or damage. Almost every type of business will have some contact with the public so almost every type of business needs public liability insurance.
Are your Legally Required to have Public Liability Insurance?
Public liability insurance is not a legal requirement. However, many businesses recognise its value and have it protect them from the costs of compensation. What’s more, many business associations and groups will not accept members who do not have an appropriate level of public liability insurance. This can also be the case with contracts and you may find clients will only work with you if you have a good level of public liability insurance.
Public liability insurance is a good investment for businesses who:
- Have customers visiting their premises such as shops and restaurants
- Work on client sites such as tradesmen entering homes and business premises
- Work in public, such as in construction, where there is a risk to passers by
Public liability insurance is not something you have to have but could your business really handle the cost of a compensation claim? For many businesses, it would mean the end of operations and closure and the cost of insurance is very minimal when you consider this outcome.
Public Liability Insurance with Just Quote Me
Getting in contact with Just Quote Me is one way of ensuring you have a choice of public liability insurance options. Our team will work with you to find the best value and most appropriate quote for your business. The level of public liability insurance you require will depend on many factors and we can discuss your options with you before you need to make a decision. Contact us today to discuss your business and public liability requirements.
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Are you a start-up looking to compare public liability insurance for the very first time?
Then it’s important to research your options before jumping in and buying the first policy that you find. Business insurance needs to be tailored to your unique business needs in order to ensure that it’s valid in the event that you need to make a claim.
Far too often, business insurance does not offer the right level of cover for the business in question and this can lead to problems in the event of a claim.
A good idea is to obtain a quote from Staffs company Just Quote Me. The team have 30 years industry knowledge and are best-placed to help you obtain the most relevant insurance policy for your business in Staffordshire or the West Midlands.
Take Back Control
You might assume that all businesses working in the insurance industry are out to ensure that you pay as much as possible for your policy. However, as soon as you get in touch with the team at Just Quote Me you’ll quickly realise that this isn’t the case.
Just Quote Me works hard to present you with quotes for policies that are ideally suited to your business. When you do business with Just Quote Me you can find affordable cover that’s within your budget, without compromising on the level of cover that you need.
To Compare Public Liability Insurance in the West Midlands:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance provides cover for your business in the event of any third party claims being made against it, or yourself, for any negligence causing a member of the public to suffer from an injury or illness as a result. This type of insurance also provides your business with cover in the event of damage to any third party’s property.
This type of insurance also provides your business with cover in the event of damage to any third party’s property.
So, in effect, this type of cover protects your business if you were to find yourself in a situation that made your company liable to be sued in the courts. If you’ve arranged the right insurance then your company will have the cover that it needs to reduce its operational risk.
Unfortunately, most business owners often don’t have the time to fully understand public liability insurance and could therefore face paying exorbitant fees for damages should their policy prove to be insufficient for their financial needs. This is why it is important to contact the experts in this field to find out what is included and, just as importantly, what is excluded from any policies.
Why should I arrange Public Liability Insurance?
The most commonly arranged type of cover for small businesses is Public Liability Insurance. This type of protection is also just as important to medium and larger organisations too.
It’s not a legal requirement for businesses to have this cover, however it should be considered as an essential – particularly where members of the public may be interacting with your company. From clients visiting your office, shop or work premises to the potential of dangers at shows and exhibitions, it’s not something that your company should be without.
If you operate from home you may think that you are safe but think again, even home-based businesses need to consider this cover if their home office is ever used as a meeting place for members of the public to attend.
What does Public Liability Insurance cover?
You need this cover, for instance, if you damage third party property when you are carrying out your work, which makes it eminently sensible protection for tradesmen. It is a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
It’s a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
At the time that you are arranging your Public Liability Insurance cover, make sure that you tell your insurer the type of business that you operate. This will more easily help you come to an agreement regarding the right type of policy that is best suited to you and your company. Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million which may surprise many!
Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1 million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million.
Many small business owners tend to think that they are safe simply because they are small! This is not the case at all, without public liability insurance you could lose your income so tread carefully. Just a simple thing like a slip-up over a loose cable, a spilt cup of tea or injury caused by broken glass or door slamming shut in the wind could put paid to your business plans if you are uninsured.
Compare the different policies online
Comparison websites, like Just Quote Me, provide you with the ability to compare various policies and save money whilst, at the same time, allowing you to transparently compare the often vastly different insurance options available to you.
Just enter your details into our simple application form and you will be able to start comparing policies straight away.
In this way you will quickly and easily find the Public Liability Insurance policy and cover that suits your needs most. We are always happy to help so, if you have any questions, then please call to speak with one of our experienced UK based consultants.
To Compare Public Liability Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Compare Public Liability Insurance
Have you recently started a new business in Staffordshire or the West Midlands? Then you’ll need to ensure that you invest in Public Liability Insurance.
This type of insurance is essential, as it covers your business in the event that a customer or member of the public suffers loss or injury as a result of your business activities and made a claim for compensation.
The insurance would cover the compensation as well as any legal expenses. The world of insurance can be a confusing one – especially for those starting a business for the first time. Insurance is unlikely to be your number one priority when you begin trading, however, it’s not something you can ignore for too long.
Many people get quotes for Public Liability Insurance online through Just Quote Me. This established Staffs company provides bespoke business insurance quotes to meet your needs.
Tailored Business Insurance
Every business is unique and that’s why business insurance should never be sold on a ‘one size fits all’ basis. Just Quote Me has been in the business of insurance for many years and understands the need for tailored business insurance policies that are designed to fit a company’s specific needs.
All too often, businesses purchase generic insurance only to find that they’re left without cover when they need it the most.
To Compare Public Liability Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance Blog, Public Liability Insurance
Compare Public Liability Insurance
Today’s Public liability insurance is cover suitable for businesses or organisations that need protecting from third party claims that may be made against them by the public.
If a business has caused a member of the public to suffer in any way then it is possible that a claim could be made.
Most business owners may not have the time to worry about or understand public liability insurance. They may be paying for cover that they do not even understand. This means that may have insufficient or inappropriate cover for their individual requirements.
If in any doubt responsible business owners should contact specialist providers in this field, such as JQM, to find out what is included and what is excluded from their public liability protection.
What does public liability insurance protect?
If you damage any third party property, when you are working, then you are liable to pay to repair those damages. This makes this insurance eminently suitable protection for tradesmen such as carpenters, plumbers, plasterers and tilers. Others that could benefit from protection include Kitchen and Bathroom fitters, roofers, builders, electricians or gas engineers working on client’s property.
Working out the level of cover required
When arranging such cover, your insurer needs to work out the level of financial cover that is required for you.
This could range from £1million to £10 million or more, depending on your job and the value of any financial losses that could occur as a result of your work.
Public Liability Cover for contracts in the public sector
For some contracts, especially in the public sector, there will often be a minimum level of financial cover required. Your public liability insurance would therefore need to meet the required level of cover in order for you to work on such contracts. In this day and age £5 million is a fairly standard amount of cover for council and local authority work.
It is often the simple issues that crop up in life that can catch many companies out. Imagine operating a window cleaning company with the contract to clean the glass on a skyscraper such as the shard skyscraper in London – it’s a long way down from the top if anything goes wrong!
You should compare different public liability insurance policies online
If you use insurance comparison websites such as JustQuoteMe, you will be able to more easily compare various policies together side by side. Bear in mind that the public liability insurance cost is not the only consideration!
It is the small print that you need to check as all policies will be different to an extent, some more than others!
It is best to come up with a short-list of the policies that you have selected based on your own set of criteria. Once you have entered your information you will be presented with the various options or, if you prefer, can request a phone call allowing you to decide if the cover is what you are looking for.
Apply online for a public liability insurance quote!
Insurance comparison websites are great because they allow you to compare the various different policies available in the market together. Once you have entered your details into one you should be able to start comparing policies straight away saving time, money and trouble.
We hope that this has helped to show you the real benefits of getting your own insurance quote comparison online. If you would like to talk to an insurance professional then we are happy to help so, if you have any questions, then please call to speak with one of our experienced and UK based consultants right away.
To Compare Public Liability Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Jan 3, 2017 | Business Insurance, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance
Looking for a public liability insurance quote that’s tailored to your company’s unique requirements?
Then to organise your insurance policy quickly and without any hassle whatsoever get in touch with Just Quote Me based in Stafford.
The experienced team at Just Quote Me understand that every business is different and that insurance should reflect this. Whether your business is a pub, a restaurant, a shop or you’re a solicitor or an accountant in Staffordshire or the West Midlands contact us today to find a cheap insurance quote that works for you.
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, buy Public Liability Insurance from Just Quote Me. The company has been a leader in its field for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.
To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Nov 25, 2016 | Business Insurance Blog, Public Liability Insurance
Public Liability Insurance Claims
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Nov 16, 2016 | Business Insurance, Public Liability Insurance, Small Business Insurance Quote
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
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 jqm | Aug 10, 2016 | Business Insurance Blog, Compare Public Liability Insurance Quotes, Public Liability Insurance
We can help with your Public Liability Insurance Quotes
Compare Public Liability Insurance Quotes – Just Quote Me have some of the best prices and covers available in the UK today!
Public Liability Insurance is compulsory in the UK for any business or individual working on either their own or third party properties. This kind of insurance protects the company or individual in the unfortunate event that they cause bodily injury to a member of the public either on their own premises or when working on a third party’s premises.
Examples that could occur are perhaps a member of the public could slip up on your wet floor or they may trip over that computer wire that wasn’t covered but just left loose. If that member of the public sustains an injury they will look to the owner or occupier of the premises for financial recompense and they may employ the services of a costly Solicitor to handle this on their behalf. Without the correct Public Liability cover in place the owner or occupier may then have to close their business due to a large legal bill and compensation award.
The local Authorities or Councils may insist on the minimum level of cover that you must have in place such as £5m. This may well be the normal amount that they require for anyone working on or around their premises. Many Building contractors, or sites managers, will no longer allow tradesmen or tradeswomen onto their sites without seeing first hand proof of your original Public Liability Insurance Certificate.
Just Quote Me can provide this online in a matter of minutes so that there is no delay in starting that all important contract.
Public Liability Insurance protects the Insured from both the legal costs and any potential financial awards made by any legal action brought against them. This cover therefore enables the Insured to continue with their business as the potential financial loss is covered by their Insurers.
Be careful to inform your Insurers of all of your business activities though as the protection will only cover the business activities stated in the policy schedule so if, for instance, you work at a height then tell them to get the maximum height noted by endorsement. Similarly, if you work with heat, such as welding or soldering, be sure to inform your insurers of all your business activities in a full and comprehensive Business Description.
For further advice contact one of our Insurance experts now and get the right cover for the best price! Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
