by jqm | Aug 20, 2019 | Builders Insurance, Business Insurance
When you are overseeing the construction on a job site, the buck stops with you. There is a lot of pressure and stress associated with managing all the work; dealing with delays, clients’ expectations and budget issues are stressful and exhausting. Knowing that you have the right protection supporting you to do your job to the best of your ability. That’s why building contractors’ insurance is so important.
What Can You Include With Building Contractor Insurance?
Precisely what is covered by building contractor insurance depends on the specific policy you opt to go for. However, the key piece of your insurance will be public liability insurance. This is the part of the policy that protects you in the case of an accident on the site. In the case of injury or damage, you will be covered. Rolled into this could also be contractors all risk cover. This includes the extra losses that can be specific to building sites that might be excluded from a standard public liability policy.
All business insurance should also include professional indemnity cover. This provides you with the reassurance that if your actions or advice lead to financial loss for your client, then you will be covered.
If you are directly employing anyone for the job, you will need to have employer’s liability insurance as well. This provides you with cover in the event of injury or illness amongst your employees.
With some policies, you can also include additional tool cover. Giving you peace of mind that all the tools on the site will be covered in the event of either theft or damage.
The precise combination of this cover is what protects your interests while working on a job. Depending on the details of your work you should tailor your cover to match your needs.
Do you have questions about Building Contractor Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | 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 jqm | Aug 6, 2019 | Insurance Online, Insurance Quote Online, Just Quote Me, Landlord Insurance
If you own property then you want to make sure it is fully protected. Building owners’ insurance allows you to protect one or more buildings as long as they are not your place of residence.
Building Owners’ Insurance Vs Landlord Insurance
Landlord insurance is aimed at people who own rental properties. It provides protection against damage that might be caused by tenants or natural disasters. It also provides protection against unpaid rent. Building owners’ insurance can be used to insure buildings that are used for a range of purposes, including unoccupied properties.
The Key Benefits
If you own a portfolio of property, it would be a hassle to have a different policy for each building. With building owners’ insurance, you can insure all the buildings with one policy. As well as being easier, it also works out to be cheaper.
You can include liability insurance as part of your building owners’ insurance. This provides protection in case of injury to third parties. For example, if one of the buildings you own falls into disrepair, which causes injury to a member of the public. Your insurance would cover the legal fees associated with the incident.
If your properties are rented then you get the same protections as with landlord insurance. In the event that your tenants withhold payment, or if the property is temporarily uninhabitable, you will receive the same amount that you would have.
Included in this insurance is commercial cover for the buildings. This offers protection in the event of fire, arson, and break-ins.
In essence, this insurance offers you comprehensive cover for all the buildings you own in one simple policy.
Do you have questions about Building Owners’ Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | 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 jqm | Jul 23, 2019 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Quote Online
Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?
Look around
Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.
Get a free quote
Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.
What is the Just Quote Me approach?
Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.
Get the basics
Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.
Do you have questions about comparing business insurance quotes?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | 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 jqm | Jun 28, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker
New build homes are becoming popular, and if you’re one of the thousands of people buying a new build property, then you’re probably in need of new build insurance.
What is new build insurance?
A new build will come with a warranty, but that will only cover you for issues relating to building work that was carried out by the home developer. New build insurance would cover you outside of that, including floods, fire or subsidence.
Why is it important?
New homes may seem fault-free on the surface, but as nothing in the property is tried and tested, you may begin to notice things like leaking showers or less than perfect electrics.
What are the benefits of having new build insurance?
It might be something your mortgage provider insists you have to make sure you’re able to pay bills when things go wrong. There are always risks when it comes to buying properties – even new builds. If you buy the property outright, you don’t technically need new build insurance, but it would mean you are not covered if there are issues further down the line.
Getting new build insurance from the date you exchange contracts can protect you if the builders are not covered by the National House-Building Council (NHBC). The NHBC offers a building certificate which provides the 10-year warranty for new homes and new conversions.
New build insurance and the NHBC Buildmark cover you if you’ve exchanged contracts and the builder goes bankrupt before your property is finished. Sadly, new homeowners faced with unfinished or shoddy properties is a common sight, and once the contracts are exchanged, it’s challenging to get the builder back on site to fix any issues regardless of what the warranty says.
New build homes are often cheaper to insure than older properties because they are fitted with the latest technology. They’re usually more efficient to heat and have the most secure doors, windows and locks to protect from burglary.
It’s also worth noting that if you are struggling to insure your newly built home – we can help. Most new builds can get insurance, but a few insurers fail to update their databases, so it could be the case that your new postcode just isn’t registered yet. However, we will be able to seek out the best insurance for your needs.
Do you have any questions about new build insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 27, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker, Insurance Online
If you’re keen to renovate your property but want to avoid the costs that come with correcting mistakes or accidental damage during the work, then you’re likely to need renovation insurance. It may be the peace of mind you need when creating your ideal property.
Who is Just Quote Me?
Just Quote Me is a company dedicated to securing business and personal insurance. The team of independent brokers has over 28 years of industry experience and have placed cover for both local and national businesses. Just Quote Me has worked with a variety of cases from charities and places of worship to wine bars and nightclubs.
What is renovation insurance?
Renovation insurance is necessary for providing properties protection for the home while it is being upgraded and renovated. The insurance covers the existing structure as well as the materials and new work that is completed. It can cover tools, equipment and plant machinery on site during the renovation.
What are the benefits of using Just Quote Me?
- The insurance you need
It recognises that under regular home insurance, any injuries obtained during renovation is not covered in the policy. Even the builder’s public liability insurance can mean that claiming is a long process, difficult to determine and might not cover you if there is no proof that work is negligible.
- The best deals
The company is made up of independent brokers, which means that the team searches insurance providers to find you the best deal. It also saves you the time it takes to search for yourself and uses their expertise to filter out to the least desirable deals.
- Instant documentation
The policy documents are emailed to you instantly, so there is no need to wait for paperwork to come in the post. This means they make the whole process quicker and more efficient.
- Three simple steps
The approach we take is in three simple steps. 1) You complete online forms and receive an instant online quote. 2) We use quick quote forms for the customer to explain their needs. 3) Just Quote Me will then come back to you with the most appropriate insurance.
- Trusted and accredited
Just Quote Me is a member of the British Insurance Brokers’ Association which validates our business as a reputable and knowledgeable company.
Do you have any questions about renovation insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 17, 2019 | Landlord Insurance
Are you a landlord and looking for an insurance quote?
There are so many benefits to protecting your property with landlords insurance and so it’s surprising that so many landlords are still without it.
When you rent out your property, you’re leaving it in the hands of your tenants. Leaving other people to look after your biggest asset can be worrying and landlords insurance can help to give you peace of mind that your property and its contents are covered.
Buy Landlord Insurance Cover Online Today
Just Quote Me is a leading UK insurance company that can help you to find the right policy to meet your needs. We’ve worked with hundreds of businesses over the years and our service has always been met with praise from our satisfied customers.
Just Quote Me believes that insurance should be tailored to a company’s needs in order for it to provide adequate protection when they need it most.
FREE Landlord Insurance quote
If you would like a FREE Landlord Insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our Quick Quote form.
by jqm | Jun 5, 2019 | Public Liability Insurance
Just Quote Me can help with your Public Liability Insurance Cover!
Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.
Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.
Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.
What level of Public Liability Cover do I need?
The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.
When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.
Running the Risk of No Public Liability Insurance
Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.
Affordable, Comprehensive Insurance Policies from Just Quote Me
Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.
If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
