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Business Interruption Insurance

Business Interruption Insurance

Business Interruption Insurance

Business Interruption Insurance

Many organisations with business interruption insurance are looking to their policies for cover during the Coronavirus pandemic. The majority of these policies do not cover for pandemics, and so businesses can’t claim for losses. Most business interruption insurance policies cover the costs of physical damage, such as fire or floods. For cover because of a pandemic, you may require a specific pandemic business interruption insurance policy.

A lot of insurance providers offer this cover as an additional add-on or extra to existing business interruption policies.

Pandemic Business Interruption Insurance Explained

In most cases, business interruption insurance covers losses caused by physical damage to a business. For example, if a business has to close because of fire damage, there would not be cover for the loss of business. Most insurers do not generally include cover for the loss of business because of a pandemic.

You can purchase pandemic business interruption insurance separately or as an add-on to existing policies. This cover is sometimes known as cover for infectious diseases.

Pandemic business interruption insurance needs considering with caution, as it will not cover all situations. Some policies will only cover if a disease directly impacts a specific business, and therefore, doesn’t include closure because of a global pandemic. When buying pandemic business interruption insurance, it is essential to fully understand the terms and conditions. While you cannot predict the effects of a pandemic, it is worthwhile having protection in place to cover all possibilities.

Receive Your FREE Pandemic Business Insurance Quote Today

Investing in business interruption insurance with pandemic cover is a great way to protect your business from many risks. For free quotes and more information on this cover, get in touch with our team of experts today. We can discuss your unique requirements to help determine the best insurance policy for your needs.

Contact us today for a FREE quote

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Consultant Insurance Quote Online

Consultant Insurance Quote Online

Running your own consulting business brings many rewards. You are your own boss, it is challenging, and you have a sense of achievement and making a big difference for the lives of your clients. However, it doesn’t matter how experienced you are or even how capable, when you are advising other professionals often, things do not go as you have planned them. This may leave you in financial distress unless you have the protection of consultant insurance.

Consultant insurance: Who is it for, and why might you need it?

So, what is this type of insurance for, and why might you need it? Well, let’s answer those questions right now.

As a consultant, you have clients relying on your advice. Clients rely on you getting things right when you advise them. However, mistakes can happen, no matter how careful you plan.

Additionally, there is a risk that a disagreement may crop up, even if it is unjustified. It could end up in court and costing you and your business dearly. This is where insurance comes into its own.

In short, anyone who advises others on a professional level can benefit from taking out cover.

There are many reasons why you might need to fall back on insurance for a financial helping hand.

  • You could unintentionally give the wrong advice and be subject to a claim
  • You might be the victim of a ransom cybercrime targeting sensitive client data
  • A client might suffer an accident on your premises and claim for damages
  • A client’s computer or other equipment could suffer damage because of your advice and take you to court.

Let Just Quote Me find your consultant insurance

We can help you find the perfect consultant insurance tailored to your business. A policy that provides financial support for legal fees and compensation that results from a claim made against your company.

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Close Protection Insurance

Close Protection Insurance

Close Protection Insurance

Close Protection Insurance

Whether you are an established brand or individual providing professional services, your endeavors expose you to various risks. Among the most efficient ways to mitigate such risks is acquiring insurance cover. Insurance provides the much-needed peace of mind as you navigate various considerations. If you are operating in consultancy, chauffeuring, training, and surveillance, to mention a few, you can enjoy close protection insurance, a specialised package designed with your needs in mind.

Close protection insurance covers various areas, and it is flexible enough to provide sufficient cover following your unique requirements. The best part is that you won’t have jump through hoops to find an ideal policy now that you can get an insurance quote online for close protection. Are you still wondering how the policy can be of help? Here is what the standard close protection insurance covers to help you make an informed decision.

Employers Liability

While striving to fulfil your services, you may have to enlist employees, including sub-contractors working directly under your orders. During the engagement, the employee might bring a claim against you, stating that they suffered bodily injuries, fell ill, or incurred losses as a result of the work they’ve done for you. Close protection employers liability provides compensation for such cases, costs that could significantly affect your financial performance.

Public liability

Third-party claims can be quite damaging. Members of the public might make a claim, either for bodily injuries, property damage, or disruptions, such as a denial of access due to your undertakings. Such claims can be time-consuming and financially draining. With close protection insurance, you can rest easy, knowing that such costs won’t ruin your progress.

Professional Indemnity

The cover is perhaps one of the primary reasons every professional should invest in sufficient close protection insurance. This covers a range of concerns, mainly revolving around negligence and infringement of intellectual property rights. Claims concerning breach of confidence or misuse of information, dishonesty, and defamation are common in professional settings. For example, while working on a consultancy line, a client might claim that your professional advice wasn’t reliable and led to significant losses. If it is proven, such a claim can prove to be costly. With professional indemnity, you can avoid the devastating financial implications that such claims can cause. From legal costs incurred in your defense to settling the compensation awarded to the affected party, close protection insurance cover go a long way in facilitating financial continuity despite the unfortunate occurrence.

Is close protection insurance right for you? Here is the good news; you don’t have to settle for the standard options. Other elements could be added to match your situation, such as directors/officers’ liability, premises, and equipment cover, to mention a few.

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Contact us today for a FREE quote

0800 084 2325


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Business Interruption Insurance

Consultant Insurance

Consultant Insurance

Consultant Insurance

Running your own consulting business brings many rewards. You are your own boss, it is challenging, and you have a sense of achievement and making a big difference for the lives of your clients. However, it doesn’t matter how experienced you are or even how capable, when you are advising other professionals often, things do not go as you have planned them. This may leave you in financial distress unless you have the protection of consultant insurance.

Consultant insurance: Who is it for, and why might you need it?

So, what is this type of insurance for, and why might you need it? Well, let’s answer those questions right now.

As a consultant, you have clients relying on your advice. Clients rely on you getting things right when you advise them. However, mistakes can happen, no matter how careful you plan.

Additionally, there is a risk that a disagreement may crop up, even if it is unjustified. It could end up in court and costing you and your business dearly. This is where insurance comes into its own.

In short, anyone who advises others on a professional level can benefit from taking out cover.

There are many reasons why you might need to fall back on insurance for a financial helping hand.

  • You could unintentionally give the wrong advice and be subject to a claim
  • You might be the victim of a ransom cybercrime targeting sensitive client data
  • A client might suffer an accident on your premises and claim for damages
  • A client’s computer or other equipment could suffer damage because of your advice and take you to court.

Let Just Quote Me find your consultant insurance

We can help you find the perfect consultant insurance tailored to your business. A policy that provides financial support for legal fees and compensation that results from a claim made against your company.

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Contact us today for a FREE quote

0800 084 2325


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Landlord Insurance

Landlord Insurance

Insurance Packages We Offer

Choose the type of Insurance you need from the list below and get an instant quote

Landlord Insurance

Whether you have a single commercial property or a whole portfolio, Landlord Insurance is a must.

Landlord Insurance needs to be flexible to your properties and situation and we focus on delivering simple yet all-encompassing policies which ensure your assets are fully protected should the worst happen.

The range of covers which are necessary as part of a commercial property policy can include buildings insurance, contents insurance and liability insurances. At Just Quote Me we can help ensure your commercial assets are fully protected before, during and after the selection of appropriate tenant businesses.

Landlord Insurance covers all landlords who let their properties to third party businesses. This kind of situation offers different risks to those faced by residential landlords because commercial buildings are often built differently and are more frequented by members of the public and this leads to them requiring more protection.

What does Landlord Insurance Cover?

Your Landlord Insurance premium may cover a range of different things dependent on your needs. It will cover the specific risks pertinent to your type of property, whether that’s a shop, office or warehouse. Your Landlord Insurance policy may provide cover against:

  • Damage to your property from fire, flooding or vandalism through buildings cover.
  • Damage to your contents such as shelving and appliances provided to tenants through contents cover.
  • Accidents and injuries through landlord liability insurance should the worst happen and you be found liable.
  • Non-payment of rent through rental income protection. Unexpected events such as floods and fires can make it difficult for tenants to pay their rent so this kind of protection allows the business to continue trading and you to maintain your income.

Landlord Insurance is tailored specifically to properties used by third party businesses, not individuals living in the property. Residential lettings insurance is needed in this case.

Landlord Insurance with Just Quote Me

At Just Quote Me we draw on our pool of over 30 years’ experience in the professional insurance industry to deliver and place the right level of Landlord Insurance for all our commercial landlord clients.

We recognise the need for different premiums for different businesses, even if they seem very similar on paper. We know that one size fits all approaches to insurance simply don’t provide the cover most businesses need so work to offer unique and tailored quotes to all our customers.

To get a FREE no obligation Landlord Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

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Van Tools Insurance

Van Tools Insurance

Van Tools Insurance

Van Tools Insurance

Protecting your business tools and having proper cover in place is vital for any tradespeople or business.

Without your trusted equipment, your business could be left unable to operate, and your clients let down. Here at Just Quote Me, we understand how important your tools are to your business. This is why we offer simple, affordable van tool insurance options.

As a tradesman and business owner, we know that your focus is on getting the job done and insurance policies are often the last thing on your mind. That is why we are here to help.

Whether your tools are damaged due to an accident, or your van is broken into, and tools are stolen; having appropriate insurance in place can ensure you are protected. We aim to offer van tool insurance that is affordable, simple and protects you and your business. By choosing van tool insurance from Just Quote Me, you will have peace of mind that the cost of replacing tools will not need to be at your expense.

Van Tools Insurance At Just Quote Me

Here at Just Quote Me, we search many insurance providers to find you the very best quote in minutes. We work hard to save you time and money so that you can focus on running your business. You can choose for Just Quote Me to search for the best van tools insurance for your individual needs. We will take into account the value of your tools, your excess and your personal circumstances, to make sure you get the best cover.

We understand that tools left within a van can be vulnerable to damage or theft, and other forms of business or van insurance will often not cover tools. That is why having dedicated van tool insurance is vital for your business. Our team can help you to tailor your insurance quotes to meet your needs. Whether you need cover for hired tools as well as you own or cover for very expensive tools that are stored in a van, we can help.

Why Choose Just Quote Me For Van Tools Insurance?

  • Instant online quotations to save time, hassle and money.
  • Dedicated team of insurance professionals on hand to help you choose the best policy for your business.
  • Quotations searched from a range of insurance providers in order to find the very best deal.
  • We send policy documents immediately via email with no delay or fuss.

Van Tools Insurance Quotes with Just Quote Me

At Just Quote Me we work with busy professionals and tradespeople from all backgrounds. We appreciate how valuable the tools of your trade can be and want to ensure they are fully protected for you. We can find you a range of suitable Van Tools Insurance quotes and discuss your options with you.

Contact Just Quote Me today to get your FREE no obligation Van Tools Insurance Insurance quote on 0800 084 2325 or fill out our Quick Quote Form.

Contact us today for a FREE quote

0800 084 2325


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Landlord Insurance

Thatched house insurance

Thatched house insurance

Thatched house insurance

A thatched home is full of character and charm. However, there is a higher risk that comes with a thatched roof which requires specific thatched house insurance. If you have a property with a thatched roof, then you may need additional cover or a specialist home insurance policy. So, what do you need to know about thatched house insurance?

Why do you need thatched house insurance?

A thatched roof may look attractive but comes with a higher risk, especially when it comes to fires. As a result, you need to ensure that your insurance provider will cover your thatched roof as many insurers will not cover the additional risks. Furthermore, they will not want to pay the expense of replacing a thatched roof like for like.

There are some insurance providers that will insure a thatched roof. At Just Quote Me, we work closely with these providers to ensure you receive the best possible deal.

It is often best to have thatched house insurance from a specialist provider. However, they will have specific requirements before they insure you. One of these requirements will be that your roof is in a good state of repair. Remember that thatched rooves will need replacing every eight to ten years.

Can you lower the cost of thatched house insurance premiums?

The biggest insurance risk with a thatched home is that is has a high fire risk. Consequently, this is why your insurance premiums may be high. However, by reducing the fire risk of your home, you can lower your thatched house insurance premiums.

Some of the things you can do to lower your fire risk are to regularly complete chimney sweeps and check electrical wirings to ensure the property is as safe as possible. You can also help to fireproof your roof with fire barriers and fire-retardant spray which can help to limit the damage to the roof in the event of a fire.

Another essential feature for your insurance for a thatched home is to install smoke alarms throughout the property and in the roof space to help alert you to a fire so that you can act in event of a fire as quickly as possible.

Are you looking for thatched house insurance?

If you are looking to protect your thatched house, then Just Quote Me will search high and low for the most competitive insurance quotes. The team works closely with a range of specialist providers and can help you to find the right level of cover for your home. Find out more today by getting in touch or using our quick quote form.

To get a FREE no obligation Thatched House Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

Contact us today for a FREE quote

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SMAS Worksafe Accredited Insurance

SMAS Worksafe Accredited Insurance

SMAS Worksafe Accredited Insurance

SMAS Worksafe Accredited Insurance

If your business prides itself on its Safety Management Advisory Services (SMAS) Worksafe accreditation, then you need high-quality insurance to match. SMAS Worksafe accredited insurance is a policy plan designed to suit your specific business needs and demonstrate your commitment to exemplary health and safety standards.

A business to trust

SMAS Worksafe is a nationally recognised award that demonstrates your commitment to health and safety. As a contractor, it is a fantastic way to show the high standards that your business upholds. Furthermore, a qualification such as this can help your business to outshine the competition when it comes to tendering for business or quoting for projects. In some cases, having a qualification such as SMAS Worksafe may even be a requirement.

Alongside SMAS Worksafe, you’ll need to show that you not only have the correct health and safety practices, but you also protect yourself with the necessary insurance. As a competitive contractor that focuses on being a leader in the industry, you need to make sure your insurance policy does not fall short. Fortunately, there are SMAS Worksafe accredited insurance can ensure you have comprehensive cover to protect your business at all costs.

What is SMAS Worksafe accredited insurance?

The most essential aspect of risk management for your business is having the right insurance. As a contracting business, you need to ensure you can limit the financial loss in the event of an accident or disaster. SMAS Worksafe accredited insurance can ensure your business has comprehensive cover for all of the risks your business faces.

Liability insurance

As a SMAS Worksafe contractor, your business prides itself on working safely. However, unfortunately, accidents can happen. If your business is responsible for damage or harm to another person or a person’s property, then liability insurance can help to protect you. In the event of a liability claim, your insurance company will pay the damages in a settlement claim. This will be up to the value you insure your business for.

Worker’s compensation insurance

Your business relies on your team, and subsequently, your team relies on their ability to work. If a team member suffers an injury while working for your business, then this policy will cover a loss of wages. It will also cover any necessary medical expenses.

Commercial vehicle insurance

As a contractor, it is likely you rely on your vehicles for work. This aspect of SMAS Worksafe accredited insurance will ensure you have the financial protection in case something happens to your vehicles such as theft or a crash.

Are you looking for SMAS Worksafe accredited insurance?

If you are looking for high-quality insurance to protect your business, then Just Quote Me can help. The team will search for the find the right insurance package with every necessary policy for your business. Call the team today to discuss your requirements or receive a free quote using our quick quote form.

To get a FREE no obligation Insurance quote go to our online Quote System or call us on 0800 084 2325

Contact us today for a FREE quote

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SafeContractor Approved Contractor Insurance

SafeContractor Approved Contractor Insurance

SafeContractor Approved Contractor Insurance

SafeContractor Approved Contractor Insurance

The contractor industry is becoming more and more competitive. As a result, it is crucial that your contractor business stands out from the crowd. One of the best ways to showcase your business as an innovative, safe and trustworthy organisation is through accreditations such as SafeContractor. However, when you highlight your business as a market leader, you need to ensure you have the right level of insurance to match. This is where SafeContractor Approved Contractor insurance is vital.

Healthier, Safer and Stronger

SafeContractor is one of the industries leading accreditation schemes. First and foremost, SafeContractor is there to help contractors demonstrate and ensure their legal compliance to regulations. However, more than this, SafeContractor supports contractor businesses in becoming healthier, safer and stronger organisations. As a result, this all adds up to a more competitive offering and more work opportunities.

However, if you are a SafeContractor approved contractor, then accreditations are not enough. You still need to protect your business with adequate levels of insurance. While certification adds to your trustworthiness, insurance is the main factor that shows your business has the financial capacity in place in case anything goes wrong.

What is SafeContractor Approved Contractor Insurance?

As a SafeContractor approved contractor, you will have had to include your insurance details as part of your SafeContractor assessment. Without insurance, you will not have the accreditation. However, when you send your SafeContractor assessment to prospective clients, they will be able to see your level of insurance. This means that you don’t have to supply additional insurance documents when you tender for a project, saving you time and hassle. As a SafeContractor accreditation lasts just one year, you will need to make sure you renew or purchase a new insurance policy at the start of each year of your SafeContractor accreditation.

Your SafeContractor Approved Contractor insurance should include several aspects that work to protect your business. These include;

  • Public Liability – To help keep members of the public (and their property) safe in the event that your business causes damage or harm.
  • Employer’s Liability – A legal requirement for businesses that employ staff. Compensation claims for Employer’s Liability can reach up to £10 million, so appropriate levels of coverage are essential.
  • Professional Indemnity –   If your business makes a mistake that leads to a client suffering a financial or professional loss, then indemnity insurance is vital.
  • Tool, Plant and Machinery – Protect the tools of your trade with appropriate insurance. Whatever you need on a day to day basis needs protection.
  • Commercial Vehicle/Van Insurance – if you rely on transport for your business, make sure your vehicles are covered for commercial use.

Are you looking for SafeContractor Approved Contractor Insurance?

Just Quote Me works with a number of leading insurance providers to help find you the best deal for your insurance. To find out more, or to receive your free quote, get in touch today.

To get a FREE no obligation Insurance quote go to our online Quote System or call us on 0800 084 2325

Contact us today for a FREE quote

0800 084 2325


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