by jqm | Feb 1, 2018 | Care Home Insurance
All health and social care businesses need insurance cover. Running a care home efficiently and responsibly is not possible without care home insurance. What types of cover should be part of your care home insurance cover? This will vary from business to business but below are just some of the most popular and in some instances compulsory types to consider:
Employer’s Liability Insurance
Employer’s liability insurance is not a choice for any care home business that has even a single employee. It covers you as the owner against legal action or claims made by employees and ex-employees relating to accidents and injuries in the workplace. Compensation claims can be very expensive. UK law requires all businesses to have employers’ liability insurance to avoid costly fines and penalties.
Medical Malpractice Insurance
Less common but a consideration for care environments. Nursing and medical care involves judgement and it is possible a resident or their family may disagree with your judgement. If they choose to make a claim on this basis and claim there has been medical malpractice, you will want specialist support to protect your business and your staff.
Buildings and Contents Insurance
If you own your care home premises, then you need to ensure you have the appropriate business and contents insurance for it. The contents insurance covers the fixtures and fittings, as well as furniture, office equipment and any specialist stock. Contents insurance will also cover medication and medical equipment.
Public Liability Insurance
Public liability insurance is a key element of nearly every insurance policy. It protects your business should a third party, such as a resident or one of their family members, take legal action against your business. This could be because of an accident or injury or due to damage to their property. In a care home environment there are many people coming in and out regularly, raising the risk of accident and injury.
At Just Quote Me we work with businesses of all sizes. We can help arrange care home insurance for your business today, just get in touch.
by jqm | Jan 31, 2018 | Builders Insurance, Business Insurance Blog, Roofers Insurance
Working in construction is one of the most high-risk occupations and this increases further when you begin working at height. Roofers are a prime example of workers who put themselves in high risk positions every day. The unique nature of this role means insurers offer specialised roofers insurance for your peace of mind and safety. Many insurers offer a select range of different covers under a single policy for your convenience too. At Just Quote Me we can provide a range of roofers insurance quotes to give you plenty of choice.
Arranging your Roofers Insurance
You may or may not know the type of insurance cover you need within your roofers insurance policy. Most roofers will want their cover to include:
- Public liability insurance: the key type of insurance for most businesspeople. Public liability insurance protects your business against the costs of a claim made by a third party. Whether they claim they were injured due to your work or that their property was damaged.
- Employers’ liability insurance: this type of insurance is the only compulsory kind in the UK. If you have a single employee, even on a casual or temporary basis, you must have employers’ liability insurance. It provides financial protection when an employee or ex-employee makes a claim of injury or illness due to working for you.
- Tool and machinery insurance: the equipment used in your every day work can be expensive and if it is damaged or stolen, your business it at risk. Tools, plant and/or machinery insurance provides financial compensation should either theft or accidental damage occur.
- Personal accident insurance: the high risks of working at height as a roofer make personal accident insurance a popular addition to roofers insurance policies. It will provide financial cover for lost earnings and medical costs after serious injury.
The types of insurance relevant to your business will be unique. Furthermore, you must consider other elements of the business too. Some contractors may want to look at more comprehensive policies for a wider range of construction workers. Sometimes it seems like investing in additional insurance cover is just another way of spending valuable business capital. However, if a claim is made against you, you’ll be happy the cover was in place.
Roofers Insurance with Just Quote Me
At Just Quote Me, you will deal with our specialist insurance advisors from day one. All advisors are dedicated to finding the best quotes for every client. We regularly work with construction companies and individuals providing a choice of insurance options for them. This includes many high-risk workers, such as those looking for roofers insurance. We appreciate every business has individual needs and can discuss your requirements before looking at quotes if you simply request a call back. Alternatively you can contact us directly through our website.
by jqm | Jan 29, 2018 | Builders Insurance, Business Insurance, Scaffolders Insurance
Working at height makes any job high risk and this is especially through or scaffolders. Working at height presents many risks and this is why specialist scaffolders insurance is recommended. Scaffolders insurance can be made up of a range of different covers, protecting you against different potential risks and claims. Many insurers allow you to build your own policy dependent on your needs, all under a single premium.
What does Scaffolders Insurance include?
One of the most important types of insurance for scaffolders is public liability insurance. It helps protect you and your business should a third party (such as your customer) be injured or their property damaged due to your work.
Scaffolders who employ others even on a casual or temporary basis need employers’ liability insurance. This is a legal requirement and there are hefty fines possible if you do not have adequate cover for your employees. It will cover any claim from an employee or ex-employee. Without this insurance in place you are breaking the law if you employee even a single individual.
Considering the high-risk nature of scaffolders’ work, you may also want to consider personal accident insurance. It’s a type of cover all construction workers consider. It will cover medical costs as well as loss of earnings which come after a serious injury. No one wants to think about the worst happening but when working at height is key to a profession, it is prudent to do so.
Scaffolders Insurance with Just Quote Me
Just Quote Me specialise in helping professionals and businesses find the right insurance for their needs. This includes many in the construction industry, such as scaffolders. We work with you to find affordable scaffolders insurance quotes, offering a range of options to suit various budgets, business sizes and circumstances. Fill out your Quick Quote form today or request a call back from our specialist advisors.
by jqm | Jan 26, 2018 | Business Insurance, Business Insurance Blog
Soft play areas are hugely popular with parents of preschool children throughout the year and older children during the holidays and weekends. They can be extremely busy and the high volume of people, particularly children, increases the potential risks and hazards. It is not responsible or safe to run this kind of business without appropriate soft play insurance. All businesses need some kind of insurance and ones with additional risk such as this, require more specialist cover.
Why Do you need Soft Play Insurance?
Soft play insurance, at a minimum, will cover your business should an employee, visitor or other third party suffer an injury and claim you are negligent. Your insurance also protects your business should any of the above claim their property is damaged due to your business. After an incident is too late to get insurance and you should have the cover in place for your own protection. The costs of a compensation claim can easily ruin a business and it is also unsafe to operate without appropriate cover.
What kind of Cover do you Need?
The only compulsory insurance in the UK is employer’s liability insurance. If you have any employees this is essential to comply with UK law. Most soft play businesses should also consider:
- Public liability insurance: to protect against claims from the general public
- Product liability insurance: to protect against claims made against your business’ products/services
Some soft play insurance may incorporate other elements such as legal expenses insurance, loss of income or business interruptions cover. If you are not sure the level of cover you need, it’s time to speak to the experts.
Soft Play Insurance Quotes from Just Quote Me
At Just Quote Me we work with businesses from all backgrounds. We can discuss a range of soft play insurance quotes with you, giving you a range of options to choose from. Our expert insurance advisors can discuss the policies available too, helping you to make an informed decision. Call us today on 0800 084 2325 or contact us via our online form https://justquoteme.co.uk/contact/.
by jqm | Jan 12, 2018 | B&B Insurance
The high footfall in the average B&B makes them relatively risky businesses to run. Guests come in and out all the time, cooking and cleaning is a constant process, so as a B&B owner, you have to be aware of risk. Quality and comprehensive B&B insurance is designed specifically to cover your business against risk. What level of cover do you need and what elements should you policy incorporate? We’ll look at that in more depth below.
Insuring your Great British Bed and Breakfast
The Bed and Breakfast is a British tradition and has provided a steady income for many for years. It is possible to get B&B insurance for both licensed and unlicensed premises although the requirements are a little different. Importantly though, do you know what types of cover should be incorporated in your B&B insurance? B&B owners should definitely consider:
Public Liability Insurance
This protects you and your business against compensation claims made by members of the public. Claims are usually for injury or damage to property which the claimant blames on your business. It would cover your business if a guest were to trip over for example.
Business Buildings and Contents Insurance
Even if your B&B is also your home, you should update your buildings and contents insurance to reflect its business status. It will protect your business should there be a burglary, fire or flood.
Employers’ Liability Insurance
All businesses which employ staff must have employers’ liability insurance. It is likely your B&B employs at least some staff members, so this type of insurance is compulsory. It protects you and your business against compensation claims made by employees and former employees. Not having employers’ liability insurance in place can result in large fines.
B&B owners may also want to consider more specialist insurance cover such as business interruption cover and you can discuss your individual needs when you contact Just Quote Me. Our professional insurance specialists can talk through your options with you.
Just Quote Me can provide you with a range of B&B insurance quotes, allowing you to decide which is best for your needs. Contact us today to find out more.
by jqm | Jan 4, 2018 | Personal Insurance, Pet Insurance
Horses are amongst the most expensive pets on the market. Many are more than just pets and become lifelong friends. The costs of keeping a horse are high but it is imperative you invest in horse insurance to protect your pet. Vets bills for horses can easily run into the thousands and so without the right insurance your pet could become extremely expensive.
Whether it’s known as horse insurance, equine insurance or even equestrian insurance, it’s the same thing. You need appropriate cover for your horse if you want to protect yourself financially. It also ensures you can look after your pet responsibly and cover any costs that come with looking after your horse should it become ill.
There are different kinds of horse insurance available and it can be a little more complex than a standard pet insurance policy.
Your Horse Insurance Policy
Horses can be insured from a few weeks old, but you will need to customise your policy to suit your need. Most standard horse insurance policies will provide a basic level of cover which pays out should your horse be stole, stray or unfortunately pass away. There are other elements you may want for your policy too, including:
Vet Bill Cover
Vets bill cover is a key element of a horse insurance policy which most people look for. Bills can be very high should your horse be ill or injured. Without horse insurance in place, how would you cover a large vets bill?
Dental Cover
Horses’ teeth often cause them quite a lot of trouble. Specific dental cover for horses is often available as you may find their dental bills become expensive.
Veteran Horse Cover
You may find you need a specific policy for an older horse. Older horses are more susceptible to health problems, so you may find it is more expensive. It is still essential you protect your horse, whatever their age.
At Just Quote Me we are experts in helping all of our customers find the right insurance for their needs. Make sure your beloved pet is fully protected with quality horse insurance, with our help.
by jqm | Dec 29, 2017 | cat insurance, Pet Insurance
Pets are members of the family and cat lovers are well known for their absolute adoration of their feline pals. However, unlike humans, our feline family members aren’t entitled to free healthcare. If your cat develops a health problem, then there will be costs involved. Rather than worry about extensive vet bills, conscientious cat owners invest in the right level of cat insurance, covering their pet’s medical expenses.
Is Cat Insurance a Worthwhile Investment?
Your cat is a member of the family and deserves the same protection as everyone else. Average pet insurance claims sit somewhere between £700 and £1000, and this can increase significantly if your cat develops a long-term condition.
The main thing to keep in mind is affordability. Could you afford a large vet’s bill if it came your way? How would you handle an emergency vet bill without cat insurance? If you aren’t sure then considering insurance for your cat is essential.
Balancing the cost of your premiums and the likelihood of a claim is also important. Older cats may cost more to insure but they are more likely to be ill too, so this is worth keeping in mind.
Types of Cat Insurance
You can look at different types of cat insurance policy to see which is best for your needs and your pet. If you have several pets in the household, you may also want to consider multi-pet policies which some insurers offer. The main types of cat insurance policy include lifetime insurance, maximum benefit insurance and time limited insurance. Some insurers also offer accident only cover which will ensure you have financial support should your pet need treatment in the event of an accidental injury.
Cat Insurance Quotes with Just Quote Me
Our expert insurance specialists can help you find the right cover for your cat. Whether you already have your pet home or are hoping to adopt one soon, we can discuss your policy options. You can get in touch today to discuss your requirements.
by jqm | Dec 21, 2017 | Dog Insurance, Pet Insurance
Approximately 1 in 2 households in the United Kingdom is home to a pet and over 8 million of these are dogs. If you are a dog owner or even thinking about getting your first pup, then you know just how precious these animals can be. They become a genuine member of the family and deserve protection for their health just as much as we do. There is no National Health Service for animals and so trips to the vet come at a price. Having dog insurance in place ensures your pet is protected should the worst occur. You can also have financial piece of mind.
Dog Insurance Policy Types
There are a range of different types of dog insurance you can choose from including:
Lifetime
This covers your pet on an annual basis and must be renewed each year. It will cover any new illness or injury with a set monetary amount. It will provide cover for long-term and recurring illnesses if it is renewed.
Maximum Benefit
This kind of policy sets aside a maximum amount of money for each illness or injury your dog may suffer. Once the amount is paid out, it won’t be covered again.
Time Limited
A time limited policy covers just twelve months (usually). In this type of policy, a fixed sum of money is available for each separate illness or injury. Treatment will only be provided for a specific time period.
Accident Cover
Accident only dog insurance helps towards treatment after an accidental injury. No illnesses are covered by this kind of policy.
We have to pay privately for our dog’s healthcare, so it makes sense to lighten the costs where possible. Vet bills can quickly escalate and without insurance it can be difficult to manage. Just Quote Me can help you explore the dog insurance quotes available to you and make the right choice.
by jqm | Dec 14, 2017 | Just Quote Me, Travel Insurance
With the snowy and stormy conditions across the UK recently, many people have been disappointed. Missed flights, delays and more can ruin a holiday and without travel insurance there may be nothing you can do to recoup your losses. No one wants to think of the negatives when travelling for leisure (or business) but planning for the worst allows you to enjoy the best. Just Quote Me can help you organise your travel insurance today.
Why is Travel Insurance Important?
You need travel insurance to travel with peace of mind. You need the right level of cover for your travel too, not just any policy. Travel insurance makes sure you get proper medical care should an accident, illness or injury occur. Some travel insurance will also cover transfer back to the UK if necessary.
What’s more, travel insurance isn’t just to cover medical costs. It can help you should there be delays, hotel issues or even incidences such as theft and unwarranted expenses during your travel. Your level of cover will determine what you can claim against.
Do I need Travel Insurance in the UK?
Many people would assume there is no need to be insured if travelling within the UK. However, accidents still happen, as do delays and other issues with your travel. The NHS removes the worry about medical issues, but what about everything else? What if your luggage is lost or you a victim of theft? With insurance in place these issues do not need to adversely affect your break.
Online Travel Insurance Quotes with Just Quote Me
You may or may not know what level of travel insurance you need. Our experts can help you look through a range of quotes and find the right policy for your needs. You may be a frequent traveller and need long-term cover or you may want to just protect yourself for a single special trip. In any event, the Just Quote Me team can help you arrange your policy today.
by jqm | Dec 7, 2017 | Home Insurance, Just Quote Me
Research carried about by consumer group Which shows UK home insurance prices are on the rise. Premiums for home insurance in October 2017 were 8.5% more than they had been in the previous year. This shows just how important it is to compare quotes online, shop around and find the best possible home insurance policy for your family.
Although it isn’t strictly mandatory you have home insurance, you will find it hard to get a mortgage without one. Almost all mortgages include a clause which states home insurance is necessary. Homeowners therefore, need to explore their options, compare home insurance quotes online and find the best possible policy for their needs.
What will your Home Insurance Policy cover?
There are many different levels and types of home insurance. There is a basic level of cover in almost all policies and you will probably find that it will cover different compensation types for different types of accident, incident or cause. Your home insurance policy is likely to cover damage and loss caused by incidents such as earthquake damage, fire damage, malicious damage and explosion damage. It may also cover oil leaks from the heating system, vehicle or animal impact damage and damage caused by falling trees.
Policies may also feature further clauses which allow for compensation for issues such as damage caused by shoddy workmanship or even general wear and tear. You will find home insurance has a personal liability element too – protecting you should someone be injured in your home and attempt to claim for compensation for negligence on your part.
Online Home Insurance Quotes with Just Quote Me
Home insurance is an essential investment for many of us. Therefore, it is important to spend time finding the right policy, at the right price. With prices increasing it is more important than ever that you spend time checking quotes online. This increases your chance of finding a good quote. At Just Quote Me our expert insurance specialists can help you find the best quote for your home. We can also go through your options with you.
If you have any questions, want to discuss your home or anything else at all you can contact Just Quote Me directly or you can request a call back today.
