by jqm | 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 jqm | 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 jqm | Oct 29, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Cyber Liability Insurance, Security Company Insurance
According to the UK Government, last year, over 30% of businesses and 22% of charities experienced a cyber-attack or IT-related security breach. This figure has increased year-on-year for the last four years. Some experts estimate each incident costs companies approximately £27,000 to recover. With this in mind, cyber liability insurance becomes essential.
What is a cyber-attack?
The press often focusses on large-scale breaches, such as the NHS ransomware attack of 2017. However, many cyber-attacks are smaller in scale, though they can be just as disruptive to businesses. They include:
- Phishing emails aimed at gaining access to systems by encouraging staff to click on links embedded within them.
- Attackers impersonating their company in order to attack customers and clients.
- Viruses and malware, including ransomware, which can steal data or shut down systems.
Given how many businesses rely on IT to carry out their day-to-day operations, it is vital, therefore, they are protected. This includes having the right IT systems in place to keep their, and their clients and customer data, safe and insurance for if they are attacked.
What does cyber liability insurance cover?
As with all insurance, cyber liability insurance covers different things depending on the level a business chooses. However, for fully comprehensive cover, it should include financial cover for handling:
- Data breaches
- Compensation claims
- Losses and interruptions
- The aftermath and impact of a cyber-attack
- Hardware and system repair and replacement
Ideally, it should also include forensic investigation and specialist IT support.
Buying cyber liability insurance
Companies should opt for comprehensive insurance wherever possible to ensure they are covered for all eventualities. The best way to find this is through an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no obligation, cyber liability insurance quote.
by jqm | Oct 22, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Online, Just Quote Me, Plant and Machinery Insurance, Professional Indemnity Insurance
If a business uses raw materials, parts or components to produce goods, it falls under the heading of manufacturing. This applies whether that business provides those goods in an artisan workshop operated by a sole trader or a factory employing hundreds of workers. And it applies whether those goods are clothes, computers or cars.
As a result, finding manufacturing insurance can be complicated. This is why it’s so important for businesses to get it right. If a business doesn’t get it right, they could find themselves having to cover the cost of lost or stolen goods, repairing or replacing machinery, or compensation claims.
Insurance for manufacturing plant policies
Businesses can buy a single, comprehensive, insurance policy or separate policies. When businesses combine policies they offer full cover for any eventuality. Regardless, insurance cover should include:
- Employers Liability for staff injured while at work.
- Public Liability for customers, visitors or members of the general public injured on the premise.
- Manufacturing or Product Liability if anyone suffers an injury due to their products.
- Building and Contents for the physical, bricks and mortar, building and equipment stored inside.
- Stock and Raw Materials, which aren’t covered by contents insurance.
- Plant and Machinery, which covers repair or replacement of machinery, which can be expensive.
- Business Continuity, which includes the costs of setting up an alternate location or of losses from customers taking their business elsewhere.
Buying insurance for manufacturing plant
Because there are so many different types of manufacturing businesses, it is necessary you choose the policies that work best for you. And the best way to do this is to work with an independent insurance broker such as Just Quote Me. Just Quote Me can find you the best policies at the best price. By taking the time to discuss your specific requirements and getting to know your business, Just Quote Me work hard to find the perfect policy for you. Contact them today on 0800 084 2325 for a free, no-obligation, manufacturing plant insurance quote.
by jqm | Oct 15, 2019 | Business Insurance, Business Insurance Blog, Commercial Insurance, Farm Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
Renewable Energy Insurance
Last year, renewable energy production in the UK rose to its highest-ever levels. To date, in 2019, it is responsible for almost 40% of all energy production. Large-scale operations such as off-shore wind farms generate much of this energy. However, more and more smaller producers are playing their part in producing renewable energy. All of these require renewable energy insurance.
Farmers and landowners, for example, have begun building wind turbines on their land, while businesses are adding solar panels to their properties. At the same time, specialist companies are setting up focused on areas such as Anaerobic Digestion or Hydroelectric power. While this is all a positive for the planet, it can lead to problems for the companies involved if they don’t have the right insurance.
Types of Renewable Energy Insurance
There are different types of renewable energy, however, all of which need a different type of insurance. These include:
- Anaerobic digestion
- Geothermal
- Micro Hydroelectric
- Solar and PV
- Wind turbines and wind farms.
Different insurance will probably be needed depending on whether the business is in the process or starting up or fully operational.
Renewable Energy Insurance Coverage
In each instance, renewable energy insurance should cover:
- Employers liability for if staff are injured at work
- Public liability for if visitors or other members of the public are injured on-site
- Professional indemnity for any negligence claims
- Poor quality work (from contractors)
- Delays in start-up
- Legal expenses to respond to claims or place claims due to workmanship or delays
- Damage, including fire and theft
- Loss of revenue
- Environmental impairment
Buying renewable energy insurance
Because of the complexities, anyone considering getting involved in renewable energy should speak to an industry professional such as Just Quote Me to ensure they are fully protected. Contact them today on 0800 084 2325 for a free, no-obligation, renewable energy insurance quote.
by jqm | Oct 5, 2019 | Commercial Insurance, Construction Insurance, Home Insurance, Insurance, Insurance Online, Just Quote Me, Personal Insurance
The term stately home can mean different things to different people. In general, however, it means a ‘grand’ property that has a ‘stately’ appearance. For example, country homes, historic properties and listed buildings are often described as stately homes. One critical thing that these properties needs is stately home insurance.
Charities such as English Heritage own many of our stately homes, as do local authorities (who use them as offices). Others are now hotels. However, some are still privately owned. Owning a stately home means owning something that is unique; a part of our history, which is wonderful.
What is perhaps not so wonderful is how much it can cost to maintain a stately home. As with the home itself, how much it costs to maintain will be different. Conservative estimates, however, suggest it could be around 2% of the property’s value each year. And this is without anything major going wrong, which is where Stately Home insurance comes in. Because, without it, things could get very expensive indeed for homeowners.
Stately Home insurance cover
Owners of stately homes will need specialist insurance cover. For example, most stately homes are older buildings and might need repairing using traditional building methods. If the building is Grade-Listed, then it will certainly need specialist care. As a result, it’s important insurance policies include repairs. Insurance should also include the physical ‘bricks and mortar’ building, land and contents. If the building is open to the public, this needs to be taken into account too. For example, owners will need employer’s liability insurance if they employ staff.
Buying Stately Home insurance
With so much to consider, it’s important to get specialist advice. Which is why you should speak to an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no-obligation, stately home insurance quote.
by jqm | Sep 17, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Insurance Quote Online
If you run your own business then it is precious to you. Getting the right cover is vital to protect your business for when the unforeseen happens. A recruitment agency can have many risks; from making a mistake to a client suffering an injury in your office. Without proper recruitment agency insurance cover, it could spell the end of your business.
What cover does a recruitment agency need?
The exact cover you need will depend on the size and structure of your business. It’s important to discuss all your requirements with an insurance broker, such as Just Quote Me, to make sure you are adequately covered.
You will need professional indemnity insurance as part of your package. This protects you in the event that you make a mistake, such as offering poor advice. This is vital for recruitment agencies.
If you have visitors come to your office, or you make site visits then you will need public indemnity insurance. This provides protection in the event that you injure someone or cause damage in the course of doing your job. For example, if you trip over an expensive piece of equipment on a site visit and it breaks.
If you have employees you will need employer’s liability insurance. This protects you in case one of your employees makes a claim against you for injury or illness. It is a legal requirement to have this.
Along with these essentials, you may need to consider cover for premises, for cyber and data risks and directors and officers insurance. It is the combination of all this cover that will be bundled to give you your recruitment agency insurance.
Are you looking for recruitment agency insurance?
If you need recruitment agency insurance you need to speak to a company that can put together a bundle that gives you the cover you need. Just Quote Me are experienced insurance brokers. They will discuss your business with you, so they understand the cover you need. They can then put together a bundle that gives your recruitment agency the coverage it needs at the best price possible. Contact them today to see what they can do for you.
by jqm | Sep 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Compare Public Liability Insurance Quotes, Pub Insurance
Looking For Late Night Bar Insurance?
Are you a looking for cover for your bar premises?
If you own or manage a late night bar in the UK you will need cover to protect members of the Public at all times whilst on or about your premises.
You will also need to protect them against the possibility of injury or discomfort caused by any products sold by you to them.
This would be covered by our online late night bar Insurance, and there are a number of other covers such as stock, food and frozen food insurance plus beers wines and spirits cover.
We also offer property protection such as buildings insurance or indeed fixtures and fittings cover for which you may be responsible under a tenancy agreement or any other improvements that you personally have paid for to enhance the public’s experience at your premises.
Cover for injuries that occur at your premises
What happens if a customer injures themselves on your premises or alleges that an injury occurred on your premises?
Do you have the correct procedures in place to monitor all slips and trips on your premises?
Do you have a cleaning up process already in place for spills?
Do you have an accident book to report any such injuries and state what action was taken to prevent further injuries taking place?
No win no fee claims on the rise
With the rise of no win no fee the licensed trade has seen the number of claims rise drastically over the recent years as members of the Public have alleged incident where they have injured themselves have actually happened whilst they have attended a licensed venue.
Could be your late night bar be able to provide evidence to defend any such allegation if indeed untrue?
With late licence venues being able to open 24 hours a day then this has created a difference in drinking and socialising habits in the UK and our Insurance policies have changed to cater for this.
Contact us for your late night bar insurance
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 10, 2019 | Business Insurance Blog, Business Insurance Price Comparison Site, Home Insurance, Office Insurance
Working from home is becoming more and more common. While there are many advantages of home-working, there are several extra things that you need to consider if you set up a home office. One of these is whether your current home insurance is sufficient for using your home as an office. If not, you may need to consider home office insurance.
What does home office insurance cover?
The best home office insurance will be tailored to your needs. At the very least, it should cover your equipment and any loss of income in the case of fire or theft. Beyond that, it is going to depend on the specifics of your business.
If you have employees, you will need employer’s liability insurance. It is a legal requirement to have this insurance. It provides you protects in the event that one of your employees makes a claim against you for illness or injury.
If you have visitors coming into your office you should consider having public liability insurance. This covers and legal costs that might arise should someone be injured while on your premises.
If you are an online retailer then you might want to include cover for your online business. Alternatively, if you offer consultancy or advice as part of your business then professional indemnity insurance can cover you in the event that you make a mistake or provide poor advice. If you use your car for business then you may need to upgrade your insurance here as well.
Whatever you need can be bundled into a single policy that is your home office insurance.
Where to find home office insurance
Just Quote Me are online insurance brokers. They can help you find the right policy for your needs. If you aren’t sure precisely what cover you need then your best course of action is to discuss your business and current cover with the experienced brokers at Just Quote Me. They will give you advice about cover and help build a package that offers excellent value cover. Talk to them today to find out what cover you need.
by jqm | Aug 27, 2019 | Builders Insurance, Construction Insurance, Home Insurance
Deciding to build your own home is one of the biggest and most daunting undertakings anyone can engage in. When you are putting such a large amount of money into a venture like this, you need to be sure that your investment is protected. As the owner of the project, you also need to make sure that you are not liable if anything goes wrong on the site. This is where build your own home, or self-build insurance comes in.
Who Needs Build Your Own Home Insurance?
This insurance is for people who are planning on building a home to live in. It is assumed that you will have a plot of land to build on, but that construction will not have commenced at the time that insurance is taken out.
How Build Your Own Home Insurance Is Different To Home Insurance
Build your own home insurance goes beyond standard home insurance in that it also contains a business component. You need this extra insurance cover because you will be hiring tradespeople to work on your site. As such, you are their employer and will need extra cover.
What is Covered by Build Your Own Home Insurance
Obviously, the exact cover you get will depend on the policy you select. However, build your own home insurance should include public liability and employers liability cover. This will protect you in the case of most accidents that can happen on the site. Your insurance will also cover the materials and tools that are left on-site during the building works. This insurance also offers protection against shoddy work. So if the work is not completed to a high standard, you have the means to rectify the situation.
Do you have questions about Build Your Own Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
