by jqm | Mar 17, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Professional Indemnity Insurance
Many businesses can benefit from having professional indemnity insurance. Sometimes referred to as professional liability insurance, it’s essential to understand what this covers before deciding if you need it.
This type of insurance provides protection for businesses that offer advice or a professional service. It will cover any legal costs and expenses that are incurred for your defence. As well as this, it will include cover for damage or costs that are awarded if a claim is made against you. Because providing advice or services inadequately could lead to a client losing business, they could have the right to take legal action.
Who Needs To Have Professional Indemnity Insurance?
There are no legal requirements for any business to hold this type of insurance. Although some regulators and professional bodies require businesses to hold a policy. This is because they are endorsing you as a qualified professional and want to ensure you are properly protected. This is particularly common in architecture, accountancy and chartered surveying. Some clients will also require you to have this cover, so as to protect themselves should things go wrong.
Many businesses choose to take out professional indemnity insurance even when they aren’t required to. This is because it can reassure potential clients and also offers some security. Any business that gives advice, handles client data or provides a professional service should consider this insurance.
Choosing Professional Indemnity Insurance
Every business is unique, and so the same goes for their insurance requirements. This type of cover is not a one-size-fits-all product, and it’s important to get the right option for you.
Here at Just Quote Me, we are specialists in finding the perfect insurance solutions for every need. Because we take time to get to know your business and requirements, we can find you the best deal. For more information, get in touch with our team of experts. Alternatively, fill out our free quick quote form to find the best price for your insurance needs.
by jqm | Mar 10, 2020 | Business Insurance, Business Insurance Blog, Business Insurance Price Comparison Site, Business Insurance Staffordshire, Business Insurance UK, Business Liability Insurance
Running your own tanning salon is a dream for many and is an excellent business venture. Before setting out to open your own salon, you’ll need to consider the unique set of risks that come with this industry. Sun beds come with their concerns, and because they are part of your business, you will need to address these. Solariums sun bed insurance can help protect you should something go wrong. Knowing what insurance you need and where to get it is often confusing.
What Solariums Sun Bed Insurance Is Required?
Because sun beds can pose risks to both customers and business premises, there are various insurance options to consider. The types of insurance you will need will depend on the size and scope of your business. Whether you choose to buy your own sun beds or rent them from a supplier, you need to make sure they are covered. Because most standard contents insurance won’t cover sun beds or solariums, you may need to find specialist insurance.
Solarium sun bed insurance will be designed to specifically cover against the risks of sun beds, including fire, theft and flood. In addition to protecting the equipment in your salon, you will also need to protect your customers. Because sun beds come with risks, you may need public liability insurance. This cover will protect against any legal costs that may incur if a claim is made against you because of injury to a customer.
Where To Get Solariums Sun Bed Insurance
Sun beds are a fairly specialist area, and because of this specialist insurance is often required. Not all insurance companies will offer solariums sun bed insurance. Here at Just Quote Me, our team of experts can help you to find the right policies to meet your needs. We pride ourselves on getting to know your business, in order to recommend the best options.
Are You Looking For Sun Bed Insurance?
Get in touch with Just Quote Me today for your free quick quote for sun bed insurance.
by jqm | Feb 25, 2020 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Online, Insurance Quote Online
No matter the type of business you are running, you will need some form of insurance. Because insurance protects you and your business from losses, it is not only a requirement but also a sensible investment. When you get a business insurance quote online, you might come across various cover options.
So that you can choose the best insurance for your business, it is important you understand the different covers available. Once you know the coverage you need, you can then begin searching for the best price.
Read on for information on what business insurance you may need, and how to get a business insurance quote online.
What Is Business Insurance And Why Do I Need It?
Before you begin looking for quotes for your business insurance, you need to understand what insurance you need. If your business operates with other people, including customers clients or suppliers, then you will need public liability insurance. Because you are operating with others, public liability insurance is an essential but not a legal requirement to protect you from compensation claims.
If you have a business that offers a professional service or advice, then professional indemnity insurance might also be worthwhile. For businesses with more than one employee, employer’s liability insurance is a legal requirement. This is because you will need to be protected against any possible claims from members of staff.
How To Get A Business Insurance Quote Online?
Once you have a good idea of the business insurance you need, you can begin looking for a quote. So that you can get the best deal, it is vital to shop around for your insurance. There are various online services which make comparing quotes much quicker and easier, such as Just Quote Me. Because we understand the time and effort involved with getting various quotes, we do the hard work for you. Simply visit our quick quote form to begin your business insurance quote online today.
by jqm | Feb 18, 2020 | Business Insurance, Compare Public Liability Insurance Quotes, Online Business Insurance Quote, Public Liability Insurance, Small Business Insurance, Small Business Insurance Quote
Whether you are working as a plumber or in a related trade, the chances are you will need some form of insurance. Because of the potentially hazardous work completed by plumbing contractors, there is a risk of compensation claims.
Self-employed plumbers, sub-contractors and plumbing companies all require insurance for their work. The type of insurance that you require will depend on the business type and work that you complete. So that you can understand your requirements, we’re covering the types of coverage you need and who they are for.
Employer’s Liability Insurance For Plumbing Contractors
Anyone who runs a business that has employees is required to have employer’s liability insurance. Because you are hiring other plumbers and engineers for your work, you need to ensure they have protection. This type of insurance covers you from claims made by employees due to illness or injury at work. Because you have a duty of care to your staff, your insurance company may not pay out if this has not been exercised.
Public Liability Insurance
Public liability insurance is not a legal requirement for plumbing contractors but is still useful to have. It offers protection against claims that are made by customers or the public. Because plumbers are at risk of issues such as leaking pipes and poorly installed boilers, this cover is essential. Even if you have completed a job to a high standard, you should remember that accidents can happen. So that you ensure you have proper protection, you should always have public liability insurance in place.
Other Plumbing Contractors Insurance
In addition to these insurance policies, there are some others that you may need. Because you are operating commercially, you may require specific commercial insurance on your vehicle. You may also need to cover tools and equipment to protect yourself from loss, theft or damage.
Are You Looking For Plumbing Contractors Insurance?
For a FREE no-obligation quote for your plumber’s insurance policies, get in touch with our friendly team today.
by jqm | Feb 11, 2020 | Business Insurance UK, Compare Public Liability Insurance Quotes, Construction Insurance, Employers Liability Insurance, Professional Indemnity Insurance, Small Business Insurance
Working as an electrician often involves much more than just fitting and repairing electrics. Many electrical contractors are responsible for producing specifications and designs. Because of the complex nature of the job, it is not uncommon for problems to arise.
Working with electricity is dangerous and so can result in injuries or fire. In this situation, an electrician could be at risk of a compensation claim being made against them, especially if they had been professionally negligent. Insurance can help to protect electric contractors from these kinds of claims. If you are wondering if you need insurance, or what type of coverage you may require, then read on for our quick-start guide.
Public Liability Insurance For Electrical Contractors
If a compensation claim is made because someone suffers an injury or property receives damage, then public liability insurance can protect businesses. It is a requirement for all electrical contractors. This type of insurance will cover any compensation, as well as associated costs and expenses. In most cases, the insurance company will handle all claims on the electrician’s behalf so that they don’t need to handle complex legal situations.
Professional Indemnity Insurance
Because public liability insurance often doesn’t cover professional negligence, professional indemnity insurance is also necessary. This will cover electricians against claims that arise from defects in specifications and designs produced. Professional indemnity insurance is usually only a requirement for contractors who produce designs and specifications.
For those that simply fit and install existing designs and specifications, public liability insurance is often enough. However, because these kinds of claims can come years after a job is complete, it is vital that you keep insurance documents even if the business isn’t trading.
Are You Looking For Electrical Contractors Insurance?
Here at Just Quote Me, we work with many leading insurance providers. Because of this, we can help find the best deal for your business. For more information and a FREE no-obligation quote, contact us today.
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.
