by Stephanie | Feb 8, 2021 | Business Insurance, Manufacturing Plant Insurance, Small Business Insurance
Have you thought about what would happen if your machinery breaks? Insurance for a manufacturing plant will be essential if a failure occurs.
As any business owner knows, the risk of machinery breaking is high. This could have a significant impact on your business so you need to be prepared. Insurance for a manufacturing plant will cover you for machinery, supply failure and the factories within which you operate.
Whether you are an SME or a large organisation, Just Quote Me can help with your insurance needs. Our experience allows us to get to know your company quickly and easily. We work with a range of leading insurance providers so various quotes can be provided.
Cover included in Insurance for a Manufacturing Plant
Your business needs to be protected. The fundamentals of many insurance policies are the same and cover you for many eventualities. In addition, insurance for a manufacturing plant will cover aspects specific to you so you have full cover in place.
The cover will include the following.
- Accidents or injuries to employees where the business can be found negligent (Employer’s Liability Insurance).
- Accidents or injuries to visitors (including customers) where the business can be found negligent (public liability insurance).
- Damage to equipment, including computers and phone systems, required to run the business.
- Damage to machinery required to produce goods.
- Loss of access to premise used to manufacture products, whether temporary or permanent.
- Loss of access to the supplies needed to manufacture goods.
There are many variables that need to be considered when looking for insurance for a manufacturing plant. These include flood risk or on-site visitors so we will discuss these when you call.
Contact Just Quote Me
Our expert team will be able to guide you and find the best policy for your business needs. To contact us, simply head to our online Quote System or call us on 0800 084 2325.
by grant | Jan 8, 2021 | Business Insurance, Business Insurance Blog, Small Business Insurance, Small Business Insurance Quote
You can get a Small Business Insurance quote online today with Just Quote Me
At Just Quote Me we can help with your small business insurance quote. We offer a free no obligation quote through our online Quote System or by calling us on 0800 084 2325.
Our business insurance experts are on hand, and can in an instant give you the expert advice you need if you are unsure of any of the sections needed to complete the online quotation process. We also offer instalments so you can spread the cost over a period of time.
Do you need to provide proof of cover for your clients contracts?
Can’t get on site without proof of Public Liability Insurance or Employers Liability Insurance , then look no further than Just Quote Me, we have, over the last two years been busy creating a fantastic platform for you to login and get your own personalised quotations to suit the individual needs of your business. Please remember that your policy will only cover the business description listed on the schedule, so it’s imperative you make sure all your business activities no matter how small are included in this schedule.
Our small business insurance experts
Many Tradesman’s insurance policy have warranties and clauses that are not always easy to see or indeed to understand at Just Quote Me we make it our business to ensure you are fully aware of the warranties and clauses so you can be informed whilst running your business on a day to day basis that will help to ensure your policy will indeed indemnify any loss of an insured peril.
Contractors Insurance is also a complex policy often having Contractors all Risks Insurance to cover Contractors tools equipment and materials whilst on site or whilst being used on a contract, this of course accompanies Contractors Public Liability and if required Employers Liability, please be aware that you will need to notify Insurers of any Labour only Sub Contractors and also any Bone-fidelity Sub contractors as to ensure you are fully protected in the event of such a claim arising.
Quality Business Insurance is, in the event of a claim priceless, let us guide you through the buying process and keep you protected.
To get a FREE no obligation Small Business Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
by grant | Sep 4, 2020 | Business Insurance, Small Business Insurance
Are you looking for a Small Business Insurance Quote?
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 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.
How we can help with your small business insurance
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.
Get your small business insurance quote today
For expert small business insurance advice call Just Quote Me FREE on 0800 084 2325 or by fill out our Online Quote System.
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 | Feb 11, 2020 | Business Insurance UK, Compare Public Liability Insurance Quotes, Construction Insurance, Employers Liability Insurance, Professional Indemnity Insurance, Small Business Insurance
Working as an electrician often involves much more than just fitting and repairing electrics. Many electrical contractors are responsible for producing specifications and designs. Because of the complex nature of the job, it is not uncommon for problems to arise.
Working with electricity is dangerous and so can result in injuries or fire. In this situation, an electrician could be at risk of a compensation claim being made against them, especially if they had been professionally negligent. Insurance can help to protect electric contractors from these kinds of claims. If you are wondering if you need insurance, or what type of coverage you may require, then read on for our quick-start guide.
Public Liability Insurance For Electrical Contractors
If a compensation claim is made because someone suffers an injury or property receives damage, then public liability insurance can protect businesses. It is a requirement for all electrical contractors. This type of insurance will cover any compensation, as well as associated costs and expenses. In most cases, the insurance company will handle all claims on the electrician’s behalf so that they don’t need to handle complex legal situations.
Professional Indemnity Insurance
Because public liability insurance often doesn’t cover professional negligence, professional indemnity insurance is also necessary. This will cover electricians against claims that arise from defects in specifications and designs produced. Professional indemnity insurance is usually only a requirement for contractors who produce designs and specifications.
For those that simply fit and install existing designs and specifications, public liability insurance is often enough. However, because these kinds of claims can come years after a job is complete, it is vital that you keep insurance documents even if the business isn’t trading.
Are You Looking For Electrical Contractors Insurance?
Here at Just Quote Me, we work with many leading insurance providers. Because of this, we can help find the best deal for your business. For more information and a FREE no-obligation quote, contact us today.
by Stephanie | Nov 12, 2019 | Business Insurance, Business Liability Insurance, Insurance, Insurance Broker, Plant and Machinery Insurance, Small Business Insurance
A place of manufacturing is always a busy and exciting place to be. However, with the activities, machinery and expertise required, it can be a place with a high level of risk. Risks of accidents, machinery breakdown and even issues with Intellectual Property can be high in a manufacturing environment which is why manufacturing insurance is essential.
Did you know that 20% of all workplace claims take place in the manufacturing industry? Protecting your business with manufacturing insurance is of high importance. Here are the top tips to help you before you buy.
Check your must-have cover for manufacturing insurance
There are a few key elements that your manufacturing insurance really must include. These consist of;
Employer’s liability – A legal requirement for protecting your staff.
Public liability – To protect contractors, visitors and anyone else who may suffer harm as a result of your business
Product liability – If anything your company produces is faulty; this insurance can help protect your business if the product causes harm or injury.
Tools and equipment – With expensive and vital machinery in use, high-value tools and equipment may need protection in case they are stolen or damaged. This helps to ensure business continuity.
Vehicle insurance – Whether you have one vehicle or a fleet, it is the law to ensure that all vehicles have adequate insurance.
Consider the extras
There are some coverage options that may not be applicable to all manufacturing businesses but are often advisable if relevant. These include;
Transportation insurance – This will help to protect your products until they reach the door of the buyer. This is essential for ensuring you don’t lose out financially while goods are in transit.
Business interruption insurance – Make sure you can cover fixed overhead costs if, for any reason, your business cannot operate as normal.
Do you have questions about Manufacturing Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by Stephanie | Aug 13, 2019 | Business Insurance, Business Insurance UK, Insurance Online, Insurance Quote Online, Small Business Insurance, Small Business Insurance Quote
If you are a sole trader, then your business is likely one of the most important things in your life. Insurance is there to protect the things we care about. Sole trader insurance gives you the right cover for your business. You can tailor this insurance to meet your needs. Choosing the right selection of protection gives you the peace of mind that all your hard work is protected and that even if you work alone, someone has your back.
What you can include with Sole Trader Insurance
Public liability insurance is a great starting place for any sole trader who has direct contact with their clients. This provides protection in the event that a member of the public is injured whilst on your premises. It also covers you in the event that you cause damage to someone else’s property whilst in the course of your work.
If part of your business involves providing advice, professional expertise or the handling of personal data then you should consider personal liability insurance. This protects you in the event that you make a mistake and money is required to resolve the situation.
Office insurance can protect you in the case of damages to your premises. Not only can it cover any lost equipment but also loss of earnings.
If you have concerns about cybercrime, then you might be interested in cyber and data protection. If you have any employees, then you will need to have employers liability insurance. Personal accident insurance can protect you in case you are injured and unable to work.
Sole trader insurance is tailored to meet your exact needs. You should make sure that you consider all aspects of your business and that you are fully covered.
Do you have questions about Sole Trader Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
by Stephanie | Jul 30, 2019 | Home Insurance, Office Insurance, Small Business Insurance
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.
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 Stephanie | 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 grant | Aug 23, 2018 | Business Insurance, Small Business Insurance, Small Business Insurance Quote
Sandwich Shop Insurance Quote
When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.
Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.
Protect your Sandwich Shop against All Risks
It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:
Employer’s liability insurance
If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.
Buildings and Contents insurance
Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.
Stock and Money Cover
As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.
Public Liability Insurance
Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a compulsory type of cover but it is highly recommended for any sound business.
Do you have questions about Sandwich Shop Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by grant | Aug 18, 2018 | Builders Insurance, Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote, Tradesman's Liability Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
