by jqm | Aug 25, 2020 | Commercial Insurance, Compare Public Liability Insurance Quotes, Insurance, Insurance Online, Just Quote Me
Education institutions, such as schools and colleges, have a very unique set of insurance risks. Because of the nature of the business, most standard insurance policies do not provide adequate cover. This often means that specialist insurance for schools is needed to protect them and their pupils. If you are managing an independent school, state-funded school, academy or other educational facilities, we are here to help with your insurance needs.
What Is Insurance For Schools?
A school environment often comes across unique and complex risks that require specialist cover. When it comes to insurance for schools, there are many things that need to be considered and included in policies. School insurance policies are designed specifically to protect students, teachers and the school’s reputation.
Some areas that have coverage with a school insurance policy include;
- Supply teacher insurance, which covers some circumstances where supply staff need to be paid.
- Liability insurance, including employer’s liability, public liability and hirers liability.
- Travel insurance, particularly for school trips and overseas travel for groups.
- Professional indemnity insurance, which will protect the reputation of the school should pupils or parents be unhappy with teaching.
- Legal expenses, in the event that a school needs to pay legal fees for any reason.
Insurance For Schools From Just Quote Me
At Just Quote Me, we are experts in finding specialist insurance products for all industries. We will work hard to understand your needs as a school or college and find the very best insurance options for you. Our team are on hand to provide any advice you may need to choose the right insurance to protect your staff, pupils and school reputation. Because we work with so many insurance providers, we are able to find the best possible prices for your school. To find out more, get in touch or fill out our Quick Quote Form.
by jqm | Aug 18, 2020 | Business Insurance, Business Insurance UK, Employers Liability Insurance, Insurance
No matter your business or industry, having the right insurance in place is essential. Commercial & industrial insurance is a type of cover that protects businesses from loss.
Because every business is different, the insurance policies they need is also varied, and it is important that you get the right policy for your company. An office-based business is going to have different requirements to a factory. Consequently, insurance policies need to reflect this. Here at Just Quote Me, we offer commercial & industrial insurance options for a range of businesses.
Commercial & Industrial Insurance Options
When it comes to business insurance, there are various options available. The type of insurance that you need will depend on your industry and operations. Most commercial & industrial insurance policies will include;
- Public Liability Insurance: This covers your business for claims made against you by a visitor or client. This could be because of injury, loss or damage to property in your business premises.
- Employers Liability Insurance: Any company with employees must have employer’s liability insurance. This covers you if an employee becomes ill or injured while working for you.
- Professional Indemnity Insurance: Sometimes referred to as professional liability insurance. This cover is for legal costs and expenses that could arise if a client alleges that your business provided inadequate services or advice that lead to them losing money.
- Business Buildings Insurance: Buildings insurance will cover your physical buildings of the business, such as a factory or office.
- Business Contents Insurance: Damage to contents caused by fire, theft or flooding can be covered by contents insurance.
Are You Looking For Commercial & Industrial Insurance?
There are many other options available for commercial and industrial insurance, such as equipment cover, stock insurance and business interruption cover. For more information on insurance for your business, and to discuss your requirements, contact our team or fill out our Quick Quote Form.
by jqm | Aug 11, 2020 | Business Insurance, Business Insurance Blog, Compare Public Liability Insurance Quotes, Employers Liability Insurance, Insurance
Running a warehouse is no easy task. It takes dedication, hard work and a significant investment in both time and resources. Like with many businesses, an incident or accident could threaten your company, so insurance is vital. Because warehouses have their own unique risks and opportunities, specialist warehouse insurance cover is often required.
Warehouse insurance cover plays a vital role in protecting the business you have worked so hard for. Choosing warehouse insurance can be confusing, and getting the right type of insurance will mean you have the right coverage.
Types Of Warehouse Insurance Cover
When it comes to insuring a warehouse business, there are various cover options that need to be considered. The type of cover that you need will depend on your unique business. Some of the most popular options for warehouse cover include;
- Employer’s Liability Insurance: Most businesses have a legal requirement to have employer’s liability insurance in place because it protects their staff. This is not unique to warehouse insurance but is a must-have if your company has employees.
- Public Liability Insurance: If anyone who enters your warehouse believes they have suffered any kind of loss, injury or damage to property at your business, then public liability will protect you. This could include suppliers delivering their stock or a visitor who slipped on your warehouse floor.
- Contents Insurance: The contents of your warehouse are often the most important part of your business, and so need proper protection. Contents insurance will cover your stock from flood fire or vandalism.
- Buildings Insurance: Your buildings are essential for the operation of your warehouse and buildings insurance will cover you should anything happen.
- Transit Insurance: Some warehouse insurance policies include cover for your goods while in transit. This can protect them should anything happen, either with your own business or in transit by a courier.
- Equipment Breakdown Insurance: Warehouse machinery could become affected by mechanical or electrical breakdown. This cover can protect your business should this happen.
Are You Looking For Warehouse Insurance?
For more information on finding warehouse insurance cover from Just Quote Me, or to receive a fast, free quote, please fill out our Quick Quote Form.
by jqm | Aug 4, 2020 | Business Insurance, Insurance Broker, Insurance Online
Wind farm insurance might seem unnecessary, but when you are working in a specialist industry, it is vital that you have the correct policy in place. You need an insurance policy that understands your business and your unique requirements.
Being a supplier of renewable energy comes with many risks that other businesses don’t have. Wind farm insurance means that if anything should happen, then you will have the right cover in place.
Wind Farm Insurance Explained
Whether you are a large wind farm or a smaller scale project, having appropriate insurance is of the utmost importance. Wind farm insurance can cover your business from various risks and mishaps, including;
- Construction risks
- Transit risks
- Material damage
- Engineering issues such as machinery breakdown
- Advanced loss of revenue due to machinery or material damage
- Delays in start-up costs
- Employers and public liability insurance
- Lack of wind bespoke packages
Wind farm and wind turbine insurance can cover a wide range of wind turbine models, including all major brands. No matter your business size, industry or set up, our specialist insurance products are here to help.
Wind Farm Insurance From Just Quote Me
Here at Just Quote Me, we are experts in finding the best insurance policies for businesses of all shapes and sizes. We work hard to compare all the wind farm insurance options available to you and so can help you get the best price.
Our team of specialists can help you to find insurance that will cover you from initial installation phases right through to being fully operational. We can find insurance policies for single turbines or multi-site operations, so we can meet your unique needs. Because wind farm policies are still fairly new to the market, we can assist you with everything you need in a stress-free and simple way. Contact the team today or fill out the Quick Quote Form.
by jqm | Jul 28, 2020 | Business Insurance UK, Home Insurance, Insurance, Insurance Broker, Landlord Insurance
There are approximately 497,000 Houses of Multiple Occupancy (or HMOs) across England and Wales, many owned by private landlords. Of course, there are benefits to owning an HMO, including increased rents across one property. However, there are risks too; more tenants could mean more damage to a property, for example. To protect themselves from these risks, landlords need good multiple occupancy insurance.
What Is A House Of Multiple Occupancy?
Not all landlords are clear on just what an HMO is. In general, an HMO is a property that is home to three or more unrelated tenants. This can include a house-share, bedsits or flats. There can be separate facilities in each flat or communal areas such as kitchens and bathrooms.
What Should Multiple Occupancy Insurance Include?
While some of the risks associated with any rental property are the same when it comes to HMOs, there are differences too. If, for example, there is a shared kitchen in a building converted to bedsits (versus letting people cook in their rooms), there is a lower risk of fire. In general, however, multiple occupancy insurance will cover:
- The building itself including structural damage (either accidental or intentional).
- Contents, which is especially important if the landlord provides white goods or furnishings; this includes accidental damage and theft.
- Malicious damage, caused by tenants or others (visitors, for example).
- Loss of rent, whether through rent arrears or a room/flat being unlet.
- Liability against accidental injury to a tenant or visitor; this includes legal expenses.
Finding The Right Insurance For You
Multiple Occupancy insurance can be complicated. As a result, it isn’t always easy to find. This is where Just Quote Me comes in. They’re experts in specialist insurance that helps landlords protect themselves and their property at a price that works for them. Click here to fill out the Quick Quote Form or call the team on 0800 084 2325 to find out more and get a free insurance quote today.
by jqm | Jul 21, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance UK
Looking to compare business insurance quotes online can be tricky and time-consuming. Business owners can go to individual insurance sites (though this means filling in the same information again and again) or use comparison sites. However, these don’t always produce the best quotes. All is not lost, however. There are sites out there that help businesses get the right policy for them. Here’s what to look for to make sure this happens.
1. Expertise
Most comparison sites aren’t insurance experts. They use algorithms to produce quotes, which are often much lower than the final price. Therefore, look for sites built by insurance experts. That way, you’ll know you’re getting good advice as well as a good price.
2. Contact
With comparison sites, there is rarely anyone ‘real’ to talk to if you have a question. Insurance companies offer help on the phone but can only answer questions on their policies. The best sites are those linked to brokers who can answer your questions as well as offer online quotes.
3. Partners
You can never be sure with a comparison site who their partners are. This means you can get a good price but be left with additional costs when the cover you receive isn’t enough. Choose comparison sites that clearly list their partners. And make sure those partners are industry leaders.
4. Reputation
Reputation is important. It means a company provides an excellent service. Look for sites that aren’t afraid to post their reviews on their site or who work with review sites such as reviews.co.uk. In addition, look for companies registered with industry bodies such as the British Insurance Brokers’ Association.
Where to compare business insurance quotes online
When you want to compare business insurance quotes online, Just Quote Me are a great example of a site that works well and a company that’s working for you. They have easy to understand information on a range of policies and experts available at the end of the phone. To get a competitive business insurance quote today, click here to fill out our Quick Quote Form.
by jqm | Jul 14, 2020 | Home Insurance, Insurance, Landlord Insurance
Whether you’re a private property owner or a landlord, you will likely need building owners insurance if you own any type of building. For those who own a building with a mortgage, this will no doubt be a requirement of your lender. The type of insurance you need, however, will vary. It will depend on the type of building you own, and whether you are the occupant or the landlord. Which is why it’s essential to make sure you choose the right cover for your needs.
What Does Building Owners Insurance Cover?
Building owners insurance will differ dependent on need and level of risk. It will also vary depending on whether you are insuring a commercial or residential property. In general, however, both will cover the loss of damage to a property due to:
- Fire
- Explosion
- Severe weather such as storms, floods, and earthquakes
- Theft
- Vandalism
- Damage due to falling trees or vehicle collision
- Subsidence
In addition, outer buildings such as garages and sheds, as well as fencing, may be covered.
Finding the Right Insurance for You
While some of what we’ve listed might seem unlikely to happen to your building, the fact that they’re included in an insurance policy means they probably have happened to someone at some point. Ignoring the need for insurance cover, then, could be costly. For landlords, it means their livelihoods are at risk. It’s important, therefore, to get the right insurance in place as quickly as possible.
To make sure this happens, contact Just Quote Me. Their highly trained team of insurance specialists will talk you through just what you need and get you the right policy at the right price. Fill out our Quick Quote Form or call our team on 0800 084 2325 to find out more and get a free insurance quote today.
by jqm | Jul 9, 2020 | Home Insurance, Insurance Broker, Insurance Online, Landlord Insurance
Around 55% of landlords own more than one property, with 17% owning at least five properties. For some, these will be residential only. For others, there will be a mix of residential and commercial. Insuring each one individually can be time-consuming and costly, especially if discounts are available for insuring multiple properties under one policy. This is where Property Owners Portfolio insurance comes in.
The Benefits Of Property Owners Portfolio Insurance
Property Owners Portfolio insurance offers landlords a convenient and cost-effective way to combine all their properties under one policy. However, it doesn’t have to mean choosing a ‘one size fits all’ policy. Elements can be adapted dependent on the building, its purpose, its location, and level of risk. Without such insurance, a landlord may find themselves having to cover the cost of unpaid rent or extensive repairs to a building or its contents.
What Does The Insurance Cover?
Property Owners Portfolio insurance can cover different things dependent on need and level of risk. For example, a commercial property may need to cover a landlord in case of accident or injury, which won’t be needed in a residential property. Similarly, a residential property might need appliances to be covered, something not needed in a shop. In general, however, insurance will cover:
- Property damage, from tenants and from fire, flood or vandalism
- Contents damage, whether this is shelving or white goods
- Loss of rent, allowing a landlord to maintain his income.
Taking Out Property Owners Portfolio Insurance
When multiple properties are involved, getting insurance right can be a challenge. That’s why it’s best to speak to an insurance specialist such as Just Quote Me. Their highly-skilled and experienced advisors can talk you through just what you need and find the right policy at the right price. Contact them today on 0800 084 2325 or fill in our Quick Quote Form to find out more.
by jqm | Jun 30, 2020 | Car Insurance
Electric vehicles are here to stay. As companies realise the benefits of running electric vehicles, there are more and more electric car and van fleets being built. But when it comes to insurance for these vehicles, what do you need to know?
Cost Of Insurance For Electric Vehicles
Currently, it is a little more expensive to insure an electric vehicle. The reasons for this are that there is not a lot of data about electric cars which leads insurers to be more cautious. The instant acceleration you can get in an electric vehicle is also of concern for insurers. However, most people in the industry fully expect that prices will drop quickly. So it is worth looking around every year when you need a new policy as you will probably be able to get a good discount.
You won’t get electric car insurance with all insurers yet. Some are being a little slow on the uptake with electric cars. Some specialist insurers are offering incentives to insure your electric vehicle with them.
Can You Get Fleet Insurance For Electric Cars?
Fleet insurance is a good way to save money if you run a number of vehicles. You can keep all your vehicles and drivers on one policy, even if the renewal dates are different. There are companies offering insurance, especially for electric fleets. Ther are some that will offer a standard policy but are willing to have electric vehicles on it. When you look into these policies, you have to be very careful that you get the right sort for your vehicles. They do exist, but you might have to do some digging.
Get A Quote For Electric Car And Van Fleets
When it comes to getting the cheapest deal, you’ll be best served by going through an insurance broker. Just Quote Me has the knowledge and contact to find you the best deal. They can often get you deal that you wouldn’t otherwise be able to get. To see what they can get for your electric car and van fleets contact them today.
by jqm | Jun 28, 2020 | Car Insurance
Multiple Vehicle Insurance
If you run multiple vehicles, then it may be cheaper to get them all insured on a single policy. There will also be less paperwork to deal with, and it can make renewals more straightforward. If you don’t have multiple vehicle insurance yet then here is everything you need to know.
Types Of Multiple Vehicle Insurance
There are a few different types of multiple vehicle policies to choose from. There are policies for both personal and business situations. You can get policies that allow separate drivers to have their own policies fro the same car. You can have the same drivers on multiple cars, or you can have a group of individual drivers on their own individual vehicles. Getting the right option for your situation can save you both money and hassle.
Who Is Multiple Vehicle Insurance Good For?
If you live in a household that runs multiple cars, then you should get them all on a single policy. You can have multiple drivers on each of the cars so you can have maximum flexibility.
If you have several drivers who use the same car, you can insure them separately, within a single policy. This means that if one driver has an accident, then the price for the others is not affected, but you still get the group discount.
If you are a business with a small fleet of cars, each driven by a specific driver, then you should take advantage of a group policy. It lowers costs and streamlines the process of managing your insurance.
Getting A Quote
If you don’t have multiple vehicle insurance yet, you should get a quote today. You can start saving money straight away. You don’t even have to add all the vehicles at once. Most policies will allow you to have different renewal dates for each vehicle. So, find out how much money you could be saving now with Just Quote Me.
Contact us today for a FREE quote
0800 084 2325
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