by jqm | May 30, 2019 | Employers Liability Insurance, Insurance, Insurance Online, Just Quote Me, Public Liability Insurance
Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.
Your current insurance
When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.
This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.
However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.
Cover types
Depending on your activities, your church may benefit from:
Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings
Church Contents Cover – pays out if contents and equipment gets stolen or damaged
Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property
Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions
Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss
Manse Cover – landlord insurance for houses the church may own and rent out
Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.
Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks
Minibus Cover – just like car insurance but for your minibus
Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues
Abuse Cover – covers the cost to the church should an allegation of abuse be made
Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.
Group Travel – covers trips you organise for members or staff in the UK & abroad.
Just Quote Me Church Insurance Quotes
You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.
by jqm | May 27, 2019 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Cyber Liability Insurance, Employers Liability Insurance, Insurance, Just Quote Me, Office Insurance
In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.
Know your exposures:
- Failure to perform required background checks on candidates
- Placing a candidate who does not have the suitable experience or qualities for a role
- Passing a CV to an existing employer or third party without a candidate’s expressed consent
- Vicarious liability arising out of actions of on-hired employees
A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.
The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.
The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.
The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:
- Have professional indemnity insurance
- Keep good records of all your interactions with clients
- Understand your obligations when prospecting and vetting candidates
- Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;
Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.
Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.
Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.
Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.
Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.
Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.
by jqm | May 21, 2019 | Cyber Liability Insurance, Employers Liability Insurance, Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Public Liability Insurance
Insurance is a key part of the risk management process for charities and non-profit organisations. It’s important that these groups who do so much good, with so few resources, protect themselves; charity insurance can provide that protection. With the financial security provided by insurance, your organisation can focus all its resources on its charitable aims.
The first check is to ensure you’re complying with the law. Employer’s liability is a legal requirement if you have employees. £5 million is the minimum indemnity, but £10m is standard. Specialist charity insurance may cover your volunteers as if they were employees rather than third parties covered by your Public Liability.
If you own and operate vehicles, you’re legally required to appropriately insure them, if you put on fundraising events, you need public liability insurance, and if you have data online, you need cyber risk insurance -there will also be other instances where you could be vulnerable.
Is it important to be insured beyond the legal requirements?
Yes! Insurance exists to protect your organisation and your assets from the financial impact of claims. Should a member of the public slip on your premises, despite your best risk management efforts, you may be liable – this is the sort of claim that could cause financial ruin and put a stop to all the good that you have been doing.
What could happen if you’re not insured?
It depends on your charity or community group governance. However, if you’re not a registered charity and someone makes a claim against you, then you may be personally liable. Equally, even if you are a registered charity, a claimant may choose to take the charity to court and may pursue compensation from the trustees.
Whatever the situation, if you don’t have insurance then your charity or non-profit is at serious risk of financial ruin. And there’s potentially a significant risk to the board of trustees too.
What should you do about insurance?
The first step towards insuring your organisation should be discussing your requirements with an expert. We can assist you with your insurance requirements and risk management.
What charity insurance should you consider buying?
You may consider a range of insurance products. Common cover required by charities and community groups include Public Liability, Property, Trustee Indemnity, Professional Indemnity, Fidelity and more.
What are the common insurance covers for charities and community groups?
Public Liability protects you from claims made by members of the public who have suffered personal injury or property damage because of your charity or community group. Property Damage insures your building, contents and assets against loss, theft or damage and is key to risk management.
Trustee Indemnity protects your board of trustees from claims made against them or the organisation. This will help your trustees sleep well at night and can help you recruit top quality trustees. Professional Indemnity protects you if you provide any professional, advice or counselling services or similar. And Fidelity cover insures you against theft or fraud by an employee, volunteer or trustee. Other types of insurance are available.
Where should you start your search?
Find an insurer who will know exactly what you need, and get their advice. They will know more about your requirements and about the products available.
Don’t risk it. Cover your charity with Insurance today by getting in touch!
by jqm | 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 jqm | Apr 21, 2019 | Business Insurance, Business Insurance UK, Car Insurance
How we can help with your Electric Car Insurance
With a ban on diesel vehicles coming to the UK soon, more and more businesses are looking for more sustainable ways to power their car. Electric cars and vans are becoming increasingly popular for businesses. For these new ways to power a vehicle you need the right insurance and this is where we can help with your electric car insurance.
How Can Electric Car Insurance Save You Money?
Having an electric car or van can help make significant savings with your insurance. Typically, electric cars and vans have fewer maintenance requirements. This means the vehicles are less likely to break down or have an accident due to lack of maintenance. As a result, with fewer accidents on the road, insurance providers can reduce the cost of their electric car and van insurance.
Furthermore, electric cars often have advanced safety technology. The technology on board your fleet can help to reduce the chance of accidents and collision. This is not only a plus for you but for your insurer too. This benefit is enhanced if your fleet also opts for advanced telematics insurance too – which is another excellent way to keep your insurance costs down.
Research into Electric Vehicles
Studies by insurers find that drivers of electric vehicles are more likely to be responsible drivers. So, by actively choosing a more sustainable transportation method, you could be saving money on fuel costs and insurance.
Do you have questions about Electric Car And Van Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Apr 20, 2019 | Home Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Just Quote Me, Personal Insurance, Travel Insurance
If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.
While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.
We get claims for:
- Phones left in taxis
- Cameras lost on holiday
- Rings and jewellery that slip off in the sea
- Wallets and purses left in the supermarket by mistake
- Leaving your iPod on the train
- Having your watch stolen from a hotel room
To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.
There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.
Why is personal belongings insurance important?
Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.
Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.
Is there anything Personal belongings cover won’t cover against?
Yes. It doesn’t cover:
- Wear and tear
- Things that are damaged through everyday use (e.g. sports equipment)
- Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
- Pets and other animals.
It doesn’t cover things that are used for business, either, which would include:
- Business cash, credit or debit cards
- Tools, even if they’re locked up and can’t be seen.
Just Quote Me Personal Belongings Insurance Quotes
You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.
by jqm | Mar 28, 2019 | Home Insurance
Every stately home across the UK is unique. Its individual characteristics are what make it so special and if you manage or own a stately home, you’ll be aware of the many costs and financial considerations involved. The beauty of such a property and owning one is a real privilege, but it doesn’t come without difficulties. The unique and special nature of stately properties means very specific and tailored stately home insurance is a must. Many insurance companies simply won’t cover this kind of property, whereas others have dedicated heritage and historic buildings teams who specialise in exactly that.
What is a Stately Home?
This question can be a tricky one to answer. The term “country house” and “stately home” are often used interchangeably. Historians in particular are wary of using such terms. However, some country houses have an appearance which is designed to blend in with the surroundings. Others have a grand and “stately” appearance giving meaning to this title. Almost all country homes, listed buildings and historic properties need specialist insurance of some kind.
Stately homes often have special considerations to keep in mind when it comes to repairs. Specialist insurers understand this and will be able to work with you and approved surveyors where necessary, to ensure any repair work or fixing damage is done to the specifications provided in any listing documentation or similar. Traditional building methods may be necessary to ensure the heritage of the property, for example.
What does Stately Home Insurance Cover?
Stately home insurance mostly pertains to the building and outbuildings that make up your property. Insurers will look at the risks and costs involved in repairs due to said risks. Stately home insurance usually covers your buildings, land and contents, including specialist features of your property.
If your stately home is also a business and you use it in this context, you will also need additional insurance in place. If you have operations that are open to the public, you will need additional liability insurances. What’s more, if your property is used for fishing, shooting or similar activities, you can get cover for this too.
Compare Stately Home Insurance with Just Quote Me
Stately home insurance is a very specialist type of cover. With this in mind it makes sense to work with people who have experience in this field to find the best quotes for your property. At Just Quote Me we specialise in helping people find and compare quotes suitable for their home or business.
Explore Stately Home Insurance Quotes Online:
Visit our online Quote System or call us for FREE on 0800 084 2325
by jqm | Mar 21, 2019 | Home Insurance, Personal Insurance
Living in a thatched property comes with many benefits. You can enjoy a beautiful atmosphere like no other and the unique nature of your home makes it a talking point. However, investing in a property with a thatched roof does come with some additional concerns and requirements. Properties with thatched roofs need very specialised home insurance. This is to ensure the roof is fully protected and covered by the insurance. Thatched home insurance is specialised due to the additional risks of having a thatched roof.
Should a problem occur to a thatched roof, the costs to fix it are much higher than a regular roof. Insurers of thatched homes also expect you to provide evidence that the roof is properly maintained and risks are kept to a minimum. Another additional point to keep in mind is that most thatched properties are also very old and many are listed buildings, and this too, comes with additional insurance requirements. Should something in a listed building be damaged, the owners are legally required to return it to as close to its former state as possible.
Choosing Thatched Home Insurance
When you have a thatched roof the number of insurance policies you have to choose between is limited. This is when you compare your choices to regular home insurance. You should also be prepared for it to cost more than regular home insurance. However, there are a number of providers so you can still look at different options and find the right cover for your property. It is also essential you do all you can to minimise the risks a thatched roof comes with, as your insurer may ask for evidence of this.
Minimising Fire Risk and Other Thatched Roof Concerns
Thatched roofs are more likely to be a fire risk than regular roofing. It is important, therefore, that you put additional fire precautions in place including:
- Electrical wiring and chimney checking provided by professionals
- Have fire-resistant barriers and fire-retardant spray on your roof
- Position smoke detectors both in the roof space and around your property
Other common risks of thatched properties include bird and rodent infestation. Winds can also pose a risk if the roof is not properly maintained. It is important to have a regular maintenance schedule. It is also helpful to find and work with experienced professionals should you need repairs.
Thatched Home Insurance Quotes
At Just Quote Me we help many homeowners, including those in specialist properties, find the right cover for their home. We can talk through different quote options and help you to compare the range of thatched home insurance quotes available.
Compare Insurance Quotes Online with Just Quote Me
You can compare the range of thatched home insurance quotes with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 now.
Image source: Unsplash
by jqm | Mar 14, 2019 | Home Insurance
When looking for a new home insurance policy or arranging your insurance for the first time, there are some considerations to keep in mind. Exploring home insurance quotes online is a great place to start so you can get a good feel for your options and at Just Quote Me we can help out too. First though, keep these considerations in mind so you can make the right decision when exploring your quotes.
Building and Rebuilding Costs
As a homeowner, buildings insurance is almost always a necessity. Most mortgage companies will not approve your application without buildings insurance in place. It provides protection should something terrible happen to your home such as flood or fire damage. Buildings insurance requires you to estimate the rebuild cost of your home. It is best to get expert advice for this to ensure you do not overestimate and end up paying too much for this part of your insurance.
Contents and Valuables
Working out how much home insurance you need is essential for getting the right amount of cover. We can help you with this and there are various contents calculators online too. Underestimating your contents value can be devastating should you need to make a claim.
What’s more, if you have specific valuables then they may need specific insurance such as valuable items cover or gadgets cover, dependent on the items in question. If you itemise your contents clearly, you can be sure you have the cover you need. Your policy may also have a single-item limit and you need to check this covers your most expensive possession.
Accidental Damage Cover
Not all basic buildings insurance policies include accidental damage cover, so you should be sure to take a look at all policies in depth before choosing. Accidental damage would cover incidents such as cars crashing into your home or damage to the drains or pipes, or even windows. It is important to check policies in full before committing to anything, so you can be sure you have cover should the worst happen.
Considering your Excess
A higher insurance excess typically means your premium price is lower. This can be useful if you don’t plan to claim for low amounts and are only keeping the insurance in place for significant claims. It is important to weigh up the cost of your excess against the monthly or annual premium you are hoping to budget for.
Home Insurance Quotes with Just Quote Me
Just Quote Me work with many homeowners on a daily basis helping to organise their insurance and talk through their requirements and options. We work with individuals living in regular homes as well as those in specialist properties such as stately homes.
Get Home Insurance Quotes Online with Just Quote Me
You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.
by jqm | Mar 7, 2019 | Home Insurance, Insurance Online, Insurance Quote Online
Searching for home insurance online is a normal process for people who are looking to renew their policy and also those who may be looking for their first policy. It can be easy to visit an insurer’s site and just choose the first policy you find. However, taking time to compare cheap home insurance online ensures you get a policy fitting for your home.
What is Home Insurance?
Home insurance protects your property. It protects it against things such as fire, flood and damage to the home and also your belongings. Home insurance combines two distinct covers: buildings insurance and contents insurance. You can buy these separately but it is more common to buy them in a package.
Buildings insurance specifically protects the structure of your house. This includes permanent fixtures and fittings such as fitted kitchens and toilets.
Contents insurance relates to your possessions. It protects personal possessions and valuables against accident, damage and loss, but they usually have to be listed in an inventory.
Information Needs to Compare Cheap Home Insurance Online
When you are looking for home insurance online, some questions will occur regularly. To compare home insurance online you’ll probably need to provide the following information:
- Specific property details including when it was built, the type of lock on the front door and whether it has a flat roof or not
- An estimated rebuild value for your home
- An estimated value of your personal belongings
- Details of your current home insurance if you have any, including any claims made
- Number of occupants living in the home
Does Everybody Need Home Insurance?
Home insurance is not a legal requirement. Although you do not need to have it, it is definitely a good investment should the worst happen to your home. What’s more, mortgage lenders usually insist you have buildings insurance. Many lenders will not arrange your mortgage without appropriate buildings insurance in place.
Annual home insurance policies differ from company to company which is why it’s important to compare quotes. Similarly, if you have a special kind of home such as a listed building or a home with a thatched roof, you will need specialist insurance.
Compare Cheap Home Insurance Online with Just Quote Me
You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.
