by jqm | Sep 11, 2018 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance
Business insurance is essential for all firms, whether small or large. The insurance can help to protect you and your company for losses or damages that may occur. With budgets being tight, is essential for organisations to find cheap business insurance, that still gives the protection and coverage they need. So how can you find cheap business insurance to suit your business requirements?
What business insurance do I need?
Business insurance is often package insurance, explicitly designed for the needs of businesses. It usually covers three core elements; public liability, employer’s liability and professional indemnity. However, it is possible to find specific business insurance to suit your industry. It is also possible to tailor packages to ensure you have the protection you need.
Three main elements of business insurance:
Public liability: If your business damages the property of or causes an injury to a member of the public, then you may face a compensation claim. Insurance helps to protect your business and covers the cost of the claim.
Employer’s liability: This is a legal requirement for businesses who employ staff. The insurance covers to cost of compensation if an employee sues you because of injury, illness and damage as a result of work.
Professional indemnity: This covers you if a customer claims you haven’t fulfilled your duties, damaged their property, reputation or business.
How to find cheap business insurance
The best way to find cheap business insurance is to conduct a comparison search. At Just Quote Me, you can run an online search. This compares quotes from many insurance providers, from the big name brands to the smaller niche services, so we can be sure to find the right policy for you.
Just Quote Me make our comparison tool as user-friendly as possible. As well as finding the cheapest deals, you can also discover the best value for money deals and adapt quotes to suit your needs.
Do you have questions about business insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 4, 2018 | Business Insurance, Business Insurance UK, Insurance
For any business, it is essential to have the right insurance coverage in place. Moreover, you want to make sure high-quality insurance coverages comes at the best possible price. With this in mind, it is vital for your business to compare business insurance quotes. So, what is the best way for you to compare business insurance quotes? Here we offer our guide on how to interpret the quotes you receive.
The best way to compare business insurance quotes
- Don’t focus solely on the premium
It can be tempting when you compare business insurance quotes to concentrate solely on the price you have to pay for insurance. However, it may sometimes be worthwhile spending a little bit more to receive a greater amount of coverage. Furthermore, you also need to check that the limits of cover are high enough to cover any client contracts you have or potential problems you face.
- Flexibility
As a business grows, you want to make sure that you always have the right insurance to cover your needs, plans and risks. While you do not want to buy new insurance every time there is a change in your business, it is wise to check the flexibility of the policy and the insurance provider. It is wise to ensure your limits have wiggle room in case your business grows. It is also worthwhile checking with the insurance provider to see how it would cost for you to update the policy if you need to.
- Talk to Just Quote Me
While our state-of-the-art comparison engine makes it easy to compare quotes at a glance, our insurance experts are always on hand to help. We will be able to explain any industry jargon to ensure you know the complexities of your policy. Furthermore, we can also assess your needs to make sure you have the right level of cover in place for your business activities and size.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 28, 2018 | Business Insurance, Business Insurance UK, Business Liability Insurance, Public Liability Insurance
Public Liability Insurance
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Small Business Insurance, Small Business Insurance Quote
Sandwich Shop Insurance Quote
When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.
Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.
Protect your Sandwich Shop against All Risks
It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:
Employer’s liability insurance
If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.
Buildings and Contents insurance
Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.
Stock and Money Cover
As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.
Public Liability Insurance
Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a compulsory type of cover but it is highly recommended for any sound business.
Do you have questions about Sandwich Shop Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Insurance Online, Insurance Quote Online
Most renewable energy businesses are rural or a diversification of an original business such as a farm. This can mean you believe you are already adequately insured. However, the renewable energy sector has its own risks and therefore, many insurance providers now offer unique renewable energy insurance for your business in this area.
Renewable energy insurance premiums are tailormade and can cover a wide range of different types of energy and premises. Specialist property insurance is often a requirement. You will find insurance covers possible for many different structures and types of renewable energy including:
- Biomass and wood chip boiler systems
- Onshore and offshore wind turnbines
- Wave and tidal marine systems
- Hydroelectric plants and systems
- Hydrogen fuel cell developments
- Biogas and anaerobic digestion
- Solar energy plants and developments
These are among the most common kinds of renewable energy development which require insurance, but this list is not exhaustive. The renewable energy sector is growing rapidly. Therefore, being fully prepared and covered is key to ensuring business growth in the future, even if accidents and problem occur along the way.
What Does Renewable Energy Insurance cover?
Renewable energy insurance is highly varied due to the different types of energy and the structures involved. The insurance can be in place from before building begins and can incorporate many of the following:
- Construction and/or erection all risks cover
- Advanced loss of profits cover
- Delay in start-up cover
- Operational all risk cover
- Machinery breakdown cover
- Business interruption cover
You may also find renewable energy insurance cover which incorporates more typical business insurances needed by all companies. For example, it may be possible to build in public liability and employers’ liability insurance to a larger renewable energy insurance premium, dependent on the insurer.
Renewable Energy Insurance with Just Quote Me
Just Quote Me work with many progressive businesses in the renewable energy sector. Whatever types of energy you are producing we can help organise the right insurance cover. Contact us today to discuss your individual business needs.
by jqm | Aug 23, 2018 | Business Insurance, Business Insurance Blog
The recruitment sector is one where your knowledge and expertise is everything. Your clients work with you because they expect your industry knowledge and experience to help them either find the right employees for their business or help them in their career. Recruitment is a truly personal service and it is absolutely essential you have adequate protection should something go wrong. Whether an agency or a single consultant, recruitment insurance is vital.
What Kind of Cover is Needed in a Recruitment Insurance Policy?
Some of the insurance premium options available to recruitment professionals are optional but it is worth considering them all in depth. Your recruitment insurance policy could incorporate:
Professional indemnity insurance
Professional indemnity insurance is probably the most important type of cover in recruitment. It protects your business should you give faulty advice which leads to financial loss for a client. All businesses offering advice and guidance should consider this.
Public liability insurance
Public liability insurance protects you should a third party be injured, or their property damaged on your premises or due to your work. It is one of the most common types of business insurance. Almost all companies consider so they have a financial safeguard against claims from clients and other third parties.
Employers’ Liability Insurance
If you have employees, workers, casual staff or even temporary employees now and again then this insurance is mandatory. You legally must have an adequate level of cover in place to provide financial assistance should an employee claim they were injured or became ill due to their work for you.
Additional Covers
Some recruitment professionals may want to consider office insurance, so their equipment is protected against damage or theft. You may also want to look into cyber and data liability insurance. The risks of a cyber attack to your client data can be devastating.
Recruitment Insurance with Just Quote Me
Our experience with businesses from many different sectors guarantees we can help organise your recruitment insurance. Whether an individual or a large firm, Just Quote Me can help ensure you get the right level of insurance cover today.
by jqm | Aug 18, 2018 | Builders Insurance, Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote, Tradesman's Liability Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
by jqm | Aug 16, 2018 | Builders Insurance, Business Insurance
Many people who work at height invest in specialist insurance, but it is possible to go even further with industrial rope access insurance. This is a very specific but extremely vital type of cover. It ensures those utilising industrial rope access themselves, for their employees or contractors, have the additional cover needed to protect themselves against the financial risks that come with claims of negligence.
What is Industrial Rope Access?
Those outside of the sector may be confused even by the term industrial rope access. The International Rope Access Trade Association (IRATA) define the system as a safe way of working at height where ropes and associated equipment are used to gain access to and from the work position, while also providing necessary support. Many Industrial Rope Access insurance policies are designed in line with IRATA guidelines. Some are exclusively for members of the association.
Industrial rope access insurance is suitable for individuals and businesses in many different sectors but is usually most applicable to those in the oil and gas energy, those working with petrochemicals, in civil engineering, construction or mining. People working in this sector already know how tricky it can be to get adequate insurance cover, because of the high risk involved, but at Just Quote Me we will work with you to organise the right insurance for your needs.
Industrial Rope Access Insurance Options
Many of the specialist providers of this niche insurance offer a range of options. Their cover may depend on the number of people requiring it. Some policies offer cover for single workers and others for much larger groups. It may also incorporate both employers’ and public liability insurance. This protects the business against claims made by both employees and third parties. The short-term nature of some contracts also means you may only be looking for a short-term policy. There are industrial rope access insurance providers who offer this too.
Contact Just Quote Me today to discuss your industrial rope access insurance options. We’re ready and waiting to talk through what’s available and help you find the best option for your needs.
by jqm | Aug 9, 2018 | Business Insurance, Business Insurance Blog
Solar panels are a much more common sight today than ten years ago. They are used across the UK in commercial and domestic property environments as well as on solar farms, premises dedicated to generating electricity through solar energy. Massed together solar panels can produce huge amounts of electricity and store it effectively. However, if you run one of these businesses it still needs protecting and specialist solar farm insurance offers this protection for your development.
Solar energy has become a key renewable energy source on a global scale. The UK government has committed to generating up to 12% of all power in the country by renewable sources by 2020 and this will include solar as a key player. As the owner or facilitator of solar panels and solar farming premises, you could play a key role in this so keeping your business safe financially is of even higher priority.
What does Solar Farm Insurance cover?
Solar farm insurance is very specific to the individual arrangement and setup of your farm or business but as standard it may include:
- Breakdown cover – should there be a breakdown in your panels functioning. This may also incorporate replacement fees.
- Loss of revenue cover – this provides financial cover should you lose revenue or agreed tariff levels due to damage or theft of panels
- All Risks Cover – this overreaching type of insurance protects your assets against fire, storm, theft, malicious damage and accidental damage
- Public Liability Insurance: to protect your business should it cause damage or injury to a third party of their property
- Employers’ liability insurance: essential if you have any staff at all working for you business. It protects you against accidents or injuries to staff members.
Solar Farm Insurance for Varied Projects
As well as offering solar farm insurance, there are options to insure other solar developments include school and local authority projects, domestic developments and much more. As solar power becomes more mainstream, so do the options for protecting businesses involved in the sector.
Contact Just Quote Me today to discuss your solar farm insurance options.
by jqm | Jul 26, 2018 | Business Insurance
Starting your own business and setting up as a limited company comes with a range of administrative requirements. While it can seem laborious, the time you put in to begin with saves you time and potentially money later. This is especially true of your limited company insurance. Without the right insurance in place you risk your business’ financial safety.
Here we’re looking at the types of cover you should have as a minimum when arranging your limited company insurance.
Employers’ Liability Insurance
In the UK, employers’ liability insurance is the only mandatory kind of cover, required by law. This is only the case if you employ others, but most businesses have at least one employee. As the director of a limited company your employees health and safety is your responsibility. If they should be injured or fall ill due to their work for you, they may choose to make a claim against your company. With employers’ liability insurance in place you have financial protection should the claim be successful, and it will also cover your legal fees.
Public Liability Insurance
Public liability insurance gives you a safeguard against claims made by third parties, such as clients or members of the public. It provides your business with cover against claims made for accidental injury or damage to property due to your business activities. It is almost invaluable if your business is people-facing and if you deal with the general public on any basis.
Professional Indemnity Insurance
Professional indemnity insurance covers the financial costs of defending a claim against your company. This type of claim will tend to be relating to advice you may have given which has led to problems for the client. It may also relate to mistakes made, loss of documents or data and issues such as copyright breach.
Limited Company Insurance with Just Quote Me
We work with many businesses helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you choice for your cover. Contact us today to look more closely at your small business insurance options
