by jqm | Feb 4, 2020 | Builders Insurance, Business Insurance, Compare Public Liability Insurance Quotes, Employers Liability Insurance, Roofers Insurance, Scaffolders Insurance
Working as a building contractor can be stressful. Because of the complex nature of the work, there are often unforeseen delays and problems that arise. Building contractors insurance is there to protect you and your customers when things do go wrong. Depending on the size of your business and type of work you carry out, you might have a requirement to have different types of insurance and coverage options. So that you can easily understand which cover you need, we’re sharing this guide on what insurance building contractors need.
Public Liability Insurance For Building Contractors
Public liability insurance protects builders against liabilities for injuries or damage to third parties. This includes if a building contractor causes damage to a property or a non-employee suffers an injury because of the works. Because of the risks involved with building work, public liability insurance is a requirement for all contractors. Having this type of insurance will ensure that you have coverage for potential claims against you.
Employer Liability Insurance
Any building contractors who are employers of other staff members have a legal requirement to purchase employer liability insurance. This type of insurance coverage is so that you have protection against liabilities for injury or illness of an employee. In 2019, 79,000 workers in the construction industry suffered work-related ill-health. Employer liability insurance is compulsory in order to protect against these cases of ill-health.
Contractors All Risk Insurance
This type of insurance is specifically for the construction industry. Because of the potential damage that can take place during building works, this covers any physical damage to sites and work materials. Contractors all risk insurance is usually sold alongside public liability insurance. This is because public liability doesn’t always provide full coverage, but contractors all risk insurance will cover against all eventualities.
Are You Looking For Building Contractors Insurance?
For more information on your insurance requirements as a building contractor, and to get a free quick quote, contact our team today.
by jqm | Jan 30, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online
In the UK, manufacturing is big business. The sector is one of our largest employers and makes a huge contribution to the British economy. Which is why when something goes wrong, the impact can be significant. As well as the business itself, its supply chain or the broader economy may feel the effect. And, with so many moving parts, there is a good chance something will go wrong at some point. Insurance for manufacturing industry, therefore, is vital. It isn’t something any manufacturing business can do without.
Complexities of manufacturing plant insurance
Because businesses produce goods in so many different ways, insurance that works for one business won’t necessarily work for another. To make sure they get it right, therefore, businesses should talk to an insurance broker, one who understands what they need and can get them the right policy at the right price.
This policy (or a combination of policies, depending on the business) should cover them if the business is unable to operate for any reason. Their factory, or warehouse, for example, might not be available due to fire or flood. Damage to equipment that produces goods will also stop a business operating. Insurance can cover the cost or repair replacement.
Businesses need to think about cover for accidents or injuries. They must, by law, have Employer’s Liability Insurance, which covers them if their employees are hurt, and they (the employer) are at fault. If they have regular visitors, however, or open their premises to customers, public liability insurance is a must.
Buying Insurance for Manufacturing Industry
With so many elements to consider, you are bound to have questions. At Just Quote Me, we are here to help. To get the answers, call Just Quote Me for FREE on 0800 084 2325 or go online to get a quote today.
by jqm | Jan 23, 2020 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
The term manufacturing means different things to different people. Across the UK, businesses are currently manufacturing everything from clothing to car parts, washing machines to computers. It’s no wonder; then, that, when it comes to manufacturing insurance, one size definitely doesn’t fit all. And why most companies use insurance brokers to help them find the right coverage for them in a complex market.
Manufacturing Insurance Policies
A good manufacturing policy will protect a business from a range of risks. This ensures they can continue to operate even if something significant goes wrong. Depending on the type of business, the level of risk, and the level of cover needed will differ. Insurance brokers, therefore, will often combine policies to get the best deal for their clients. These combined policies should include:
- Public liability: covers businesses for accidents involving visitors where the business is found to be at fault.
- Employer liability: covers businesses for workplace accidents involving their employees (again, where they are at fault).
- Equipment: covers businesses for damage to equipment such as computers
- Machinery: covers businesses for damage to machinery used to produce goods
- Business interruption: covers businesses if they cannot operate for any period of time, as a result of fire or flood, for example. It can also include coverage for businesses if they cannot access the needed supplies.
It’s important to note that the Employer’s Liability Insurance is mandatory, whether or not a business takes out any other element of manufacturing insurance. However, while other insurance might not be required legally, the risk of not being insured is high and probably not worth taking.
Buying Manufacturing Insurance
For businesses looking to take out or renew their manufacturing insurance, call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jan 16, 2020 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Online Business Insurance Quote
One thing every business owner knows is that if something can go wrong, it will. For those involved in manufacturing, however, the impact of this ‘something’ can be significant in a way it might not be for other, office-based, businesses. That’s because manufacturing businesses need machinery to operate. They also need factories or warehouses to operate that equipment from.
If machinery breaks, a factory or warehouse is accessible, or manufacturing supplies aren’t available, a business could fail. Which is why insurance for manufacturing plants is essential.
What do Insurance for Manufacturing Plant policies cover?
While manufacturing businesses may be different from office-based ones, the insurance they need is actually very similar. It needs to cover them for:
- Accidents or injuries to their employees where the business can be found negligent (Employer’s Liability Insurance)
- Accidents or injuries to visitors (including customers) where the business can be found negligent (public liability insurance)
- Damage to equipment, including computers and phone systems, required to run the business
- Damage to machinery required to produce goods
- Loss of access to premise used to manufacture products, whether temporary or permanent.
- Loss of access to the supplies needed to manufacture goods.
There will be risks attached to each of these. Some will be higher than others. Where a factory or warehouse is, for example, to increase the risk of flooding, which could reduce access. Whether a business sells direct to customers could increase the risk of accidents to visitors.
Buying Insurance for Manufacturing Plant
A good insurance broker will work with a business to assess these risks and find the right policy or combination of policies to meet their needs at the right price. Which is why, if you are looking for insurance for your manufacturing business, you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using their Quick Quote Form.
by jqm | Jan 9, 2020 | Business Insurance, Business Insurance Price Comparison Site, Commercial Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online
The industrial sector is vast. It is also varied, covering a whole host of different businesses. According to the UK government, these range from Aerospace to Tourism. It’s probably no wonder then that industrial insurance can be complex and, for many businesses, confusing.
What is Industrial Insurance?
Industry insurance is a single policy, or package of policies that protect business operations, providing cover if they cannot operate for any reason. For example, if equipment needs repairing or replacing due to damage. It also covers the company if staff or visitors are hurt, and they (the company) are negligent. The difference is the level of risk businesses face and the impact on their operations if something goes wrong. It is essential, therefore, to specifically tailor industrial insurance to the sector.
What does industry insurance cover?
Industrial insurance covers businesses against accident and injury claims from members of the public (pubic liability) and employees if the company is negligent. Employer’s Liability Insurance is a legal requirement.
It also covers equipment and machinery. Equipment includes computers and telephone systems, anything that is needed to keep the back-end operations running. Machinery includes anything used to produce parts and products.
Another key area is the premises. Many industrial companies use factories to produce goods, warehouses to store them. Then there are their offices where administrative work takes place. The loss of any of these can have a significant impact on their ability to operate. Industry insurance covers them all.
Buying Industrial Insurance
To ensure full coverage, through either a single or combined policy, it is vital to speak to an insurance broker who understands the sector. Which is why you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Dec 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Local Business Insurance News, Public Liability Insurance
Plumbing contractors insurance covers plumbing contractors against claims, injuries and accidents made by their clients or other individuals. While working on a client’s home, a plumbing contractor can cause damage to property or injure a person. Getting the proper contractors insurance in place means you won’t have to pay the entire compensation on your own.
Why Is Plumbing Contractors Insurance Important?
Like in many trades, plumbing has its share of health and safety risks. A plumbing contractor can cause injury to anyone, including clients, a passerby or even themselves. Obviously, the contractor will have no choice but pay demanded damages.
Damages can be as expensive and may be well out of budget for the average plumbing contractor. Having the right insurance allows contractors to work efficiently without worrying about damages, injuries and compensations. Furthermore, with insurance in place, you’ll only have to pay the excess.
The little matter of public liability
Public liability is necessary for plumbing contractors cover. It ensures they’re well protected from clients or any other individuals that may suffer as a result of your work.
The policy guarantees that any accidental cause of damage to property or injury to a person is covered. Having insurance in place is often a requirement of contracts. Furthermore, highlighting the fact that you have robust and comprehensive insurance cover cements your reputation in the industry.
Of course, plumbing contractors insurance will cover a multitude of different aspects, not just public liability. In your policy, you can include essential components such as tools protection, van insurance and employers’ liability. Whatever your business needs, Just Quote Me can search and compare the market to find the best possible coverage for your business at the best possible price.
Are you looking for plumbing contractors insurance?
Give Just Quote Me a call today at 088 084 2325 to receive a free quote or Request a Callback.
by jqm | Dec 18, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Employers Liability Insurance, Insurance, Insurance Online, Insurance Quote Online
The UK Government requires every person or company who is an employer to get employers’ liability insurance. Employees injured or sick during the course of working for their employer will be covered by the insurance. Furthermore, £2,500 is fined every single day an employee remains without this cover. If inspectors do not see or view a displayed certificate of the insurance, a fine of £1,000 will be required.
While insurance may seem like an unnecessary cost, especially when accidents seem unfeasible, it is of vital importance, just in case the worst happens. Every employee requires coverage for injury or sickness while carrying out their duties for the company.
What employers’ liability really means
Generally, this liability insurance protects employers from any compensation claim by any employee in the course of duty. Whether it’s injury or illness while working for the employer, the workers will be well covered. The legally-demanded insurance kicks in when a company or self-employed individual employs just one person. As soon as you take on staff, you need insurance.
For instance, an employee may suffer a fall or get sick in the course of their duty. As such, employers’ liability will cover their medical bills as well as legal fees.
Also, this liability insurance can cater to claims raised by former employees. Some illnesses and complications might take a while to show or depict their symptoms. As a result, former employees might demand compensation, perhaps months or years after they left your company. This liability cover can insure all these.
For instances of former cases, it is important to ensure you’ve safely stored every document related to the insurance. It is wise to keep records of the insurance, whether the cover has expired or not. Also, ensure the insurer has your Employer Reference Number to make the process of tracing past workers easier.
Are you looking for employers’ liability insurance?
Avoid the possibility of paying fines of up to £2,500 per day. Contact Just Quote Me today for your free quote.
by jqm | Dec 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Employers Liability Insurance
Electrical contractors insurance gives you the peace of mind to accept electrical jobs and provide the best possible services. Electrical contractors maintain, install and design lots of diverse complex electrical systems regularly. So many businesses, homes and individuals rely heavily on these expert services. With the best possible insurance from a policy that meets your individual preferences, you are ready for any contingency.
Electrical contractors insurance gives you the assurance and motivation to concentrate on what you love. Getting free online electrical contractors insurance quote is easy. At Just Quote Me, fill in our Quick Quote Form and we’ll get back to you with the best options for your needs.
Moreover, working as an electrical contractor has its risks. Your work might also mean others are at serious risk of injury or accident. It’s the simple reason that savvy contractors in the electrical industry invest in the best available insurance. An insurance provider such as Just Quote Me ensures that you get specifically what you need. Whether its electrical contractors cover or other tradesmen liability cover, it’ll be customised to meet your needs.
Vital Electrical Contractors Insurance
With so many areas for electrical contractors to make most of insurance, public liability insurance is a great option. Basically, this vital tradesmen insurance protect contractors in case their work injures others or damages property. As expected, a good electrical contracting business could require the contractor to hire an employee or two. In such a case, the government requires that you get compulsory employers’ liability insurance. It protects the contractor from any claim made by an employee out of injuries or sickness from working for you.
Are you looking for electrical contractors insurance?
You can get a tailor-made electrical contractors insurance today to protect your business. Request a Callback now or call Just Quote Me today at 0800 084 2325 to get started
by jqm | Dec 5, 2019 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Insurance
A Business insurance quote online allows you to understand the cost of coverage of insurance for your line of business or trade with ease. Insurance comparers such as Just Quote Me cover every kind of worker, business person or tradesperson. It doesn’t matter whether you’re an electrician, shop owner, plumber or operating in multiple working arrangements. You’ll receive the kind of cover that perfectly keeps you insured to work without fearing any eventuality.
You’ve already made sure your employees are working in stable and safe surroundings. Obviously, you want them covered for virtually all issues and risks of the modern workplace. You don’t want the shock of falls and trips or huge compensation claims from your employees. Ultimately, you would want your employees and business safeguarded against all manner of eventualities.
Detailed quote online
If you’re continually hiring contractors, temporary hands and employees, the government requires that you invest in employers’ liability cover. In fact, the size or type of the business doesn’t really matter, as long as you have employees it is a legal requirement to insure them. All accidents will be covered, illnesses and injuries.
Furthermore, while the law requires employers’ liability, additional insurance options will help keep your products and services fully covered. For instance, public liability covers members of the public against damage to property, injuries and accidents.
If you offer professional expert services and advice in your business, professional indemnity makes a lot of sense. In case your advice or expert service dips your client in financial mess and losses, the indemnity keeps you protected.
Receive business insurance quote online now
Request a business insurance quote online now to benefit from a range of options. You’ll get to know all the additional covers available to protect your services and products better. Furthermore, you’ll know what you can receive for the best price.
Use the Just Quote Me Quick Quote Form for a free business insurance quote online and advice.
by jqm | Nov 26, 2019 | Builders Insurance, Business Insurance, Business Insurance Blog, Business Insurance UK, Insurance, Insurance Online
Whether they manufacture, store or sell wholesale goods, warehouses generally hold large volumes of stock which would be expensive to replace if they were stolen or damaged. The same is true of the building itself and the equipment inside. This is why businesses need warehouse insurance. Without it, they won’t be able to protect their property, their workforce, their clients or customers.
Warehouse Insurance Policies
Companies can buy a single, comprehensive, warehouse insurance policy or separate policies that will offer full protection altogether. Whichever option they choose, however, their insurance cover should include:
- Buildings Insurance, including water, fire and accidental damage. Malicious damage is also included in some policies, or business can ask it is added.
- Stock Insurance, which replaces damaged stock.
- Content Insurance, which includes all the non-stock elements of a business that might be housed in a warehouse. For example, shelving, computers, and other equipment.
- Product Liability Insurance, which protects businesses if the products they sell are faulty.
- Employers Liability Insurance, a legal requirement for all warehouses who employ staff. This covers for accidents and incidents that happen in the warehouse itself, including the use of tools and equipment.
- Warehouse Public Liability Insurance, which provides cover against claims made by visitors to the warehouse due to a company’s negligence.
Where businesses use drivers to deliver goods, they might also want to consider additional insurance for forklifts or trucks used to make deliveries.
Because there are so many elements to warehouse insurance it is essential that businesses get it right. If they don’t, they could find themselves covering costs for replacing stock or equipment or liable if staff or visitors are injured.
Buying warehouse insurance
Do you have questions about warehouse Insurance? Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
