by jqm | Nov 29, 2017 | Business Insurance Blog, LPG insurance
Some businesses require very specialist insurance policies and those dealing with LPG (liquid petroleum gas) fall into this category. Just Quote Me is proud to be one of the few companies offering specialist LPG insurance quotes for businesses in this sector. The right kind of insurance is essential when working with such high-risk materials.
Specialist LPG Insurance Brokers
There are very few specialist LPG insurance brokers able to find the right level of cover for your business. LPG is one of the leading fuel sources in the country. There are depots far and wide meaning it needs to be safely transported. Many businesses transport and deliver LPG to UK homes and commercial premises.
Our years of experience in the industry mean we are perfectly placed to find specialist quotes for your business. LPG businesses may require public liability insurance, employers’ liability insurance, stock insurance and goods in transit insurance, as well as many further optional covers.
Third Party LPG Insurance and Cover
LPG is a known pollutant and while it is needed for heating around the UK, the risk if it comes into contact with a third party can be high. Not many insurance companies offer specialist cover for third party contamination and pollution. This is why you need to find a specialist policy, with expert help.
Standard commercial insurance is usually not enough for a business which poses such a high risk. It is dependent on the company, but most will see your day to day business activities as too high risk for their regular levels of cover.
If you are even a little concerned about your LPG insurance, then please get in touch. Just Quote Me works with many companies in this sector and can advise you of your best options. You can call us or fill in our online insurance quote form to begin.
by jqm | Nov 23, 2017 | Cyber Liability Insurance
Cyber risk insurance is not something only large, well-known companies must consider. Any business could be the victim of a cyber-attack at any time. Whether it’s an attempt to access your data or bring your website down, a cyber-attack can significantly damage your business. Cyber risk insurance protects against both first party and third party cyber-attacks and breaches.
Most modern businesses rely upon technology and data. Most companies now store their own data and that of their customers on online servers, the cloud or elsewhere online. If any of the technology running your business is compromised, it can result in financial and reputational loss.
The Very Real Risks of a Cyber-Attack
A cyber-attack can truly devastate a business. Your company faces a range of real first party risks including:
- Loss and damage to your digital assets in the form of software and data
- Business interruption and additional expenses from service interruption and/or network failure
- Reputational damage
- Costs through cyber extortions such as a ransomware attack
There are also further cyber risks which effect third parties connected to your business including:
- Privacy breaches which effect third party, public member or employee confidentiality rights
- Privacy regulation defence costs and fines due to the above
- Customer care and support costs
- Customer care and reputational management costs
Cyber Risk Insurance with Just Quote Me
Just Quote Me recognises the need of each business to protect its assets, physical or digital. Not having cyber risk insurance in place immediately puts your business at higher risk than those who do. How would you financially manage if your business was the victim of a cyber-attack? If you don’t have an answer, then you need cyber risk insurance.
Our experience in working with businesses of all sizes means we can help you find a suitable cyber risk insurance policy with ease. We can provide quotes and ensure your business has a level of cover to protect both yourselves and your customers.
by jqm | Nov 22, 2017 | Farm Insurance
The agricultural industry remains one of the highest risk and dangerous to work in. RIDDOR reports 27 fatal injuries in 2016/17 with 13,000 non-fatal injuries to workers every year. Not just worker injuries need to be considered either which is why insuring your farm and having a comprehensive farm insurance policy is essential.
Protecting your Livelihood with Farm Insurance
The British farming industry has not had the best of times recently. Many farmers have had to diversify to remain in business and others have had to fold. Those still working must protect their assets to ensure a better chance of a better and prosperous future.
Farm insurance comes in many forms, as there are so many different forms of farming. Dairy farmers will need a different policy to cattle farmers and those who simply farm the land will not need livestock insurance and vice versa.
Most farms will require some form of equipment or plant insurance. We will work with you to find the right level of cover for your business. We can also discuss any other concerns you may have about the protection of your business.
Finding your Farm Insurance Policy
Just Quote Me work with individual businesses to ascertain their insurance needs. Our aim is to find a single suitable farm insurance policy to fit your business. The right level of insurance is essential in the event of a compensation claim or other disastrous occurrence which effects the financial viability of your business.
Our range of quotes will help you to find the insurance cover you need. If you aren’t sure we can discuss your options over the phone too. We have many years’ experience in placing farm insurance policies for several types of agricultural business.
At Just Quote Me, we appreciate the individual nature of every farming business. We are ready to help you ensure you are adequately covered and have full peace of mind when working and enjoying your business.
by jqm | Nov 16, 2017 | Cyber Liability Insurance
The business world, in almost every sector, is dominated by the internet and the data it produces. Almost all companies now store at least some of their customer and personnel data online, on the cloud or on private networks, connected to the internet. Despite this cyber liability insurance is still not as popular as it should be. If your business is subject to a cyber-attack the losses could be devastating.
Newsworthy data breaches may capture our attention for a short time but most of us move on with our business and think nothing of it. However, data breaches, hacks and cyber-attacks do not just happen to large and multinational companies. Any business of any size is at risk, and the potential costs can be extremely high. All businesses should consider cyber liability insurance as a priority to protect their company.
The Cost of Data Breach Recovery
If a cybercriminal did hack into your business, they quickly and easily access all the data you have stored. They may access private customer information, bank details and much more. Private business data is also at risk. Once you take into account how much of your business relies upon online data you may find the costs extensive and unmanageable.
Cyber liability insurance protects your business in the event of a breach, hack or cyber-attack and it may include cover for costs such as:
Business Interruption
Your entire system could go down due to a cyber-attack. You may also need to close your doors to investigate the attack. This means there will be time you can’t work. This in turn can result in loss of profit and other business costs. Cyber liability insurance should provide financial compensation for this.
Data Recovery
Once the attack is over, you need to recover your data. This too can be costly as you require expert technical support.
Support and Credit Monitoring for Customers
If a data breach effects your customers, then you have a duty to support them. You may want to offer them credit monitoring services (which come at a cost) and some cyber liability insurance policies offer cover for this eventuality.
Cyber Liability Insurance is Key to your Business Security Strategy
Every modern business needs a security strategy and this should include cyber security. Whether you’re a one-man-band or run a large company a cyber-attack can be devastating. If you store any data online or utilise the internet as a core part of your business, cyber liability insurance shouldn’t be considered optional.
Cyber Liability Insurance Quotes from Just Quote Me
Our experience in Cyber Liability Insurance allows us to help you find the right level of cover for your business. We can source a range of quotes to ensure you have options to choose from.
You can get a FREE no obligationCyber Liability Insurance quote today on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 15, 2017 | Care Home Insurance
Residents living in care homes haven’t always moved their voluntarily. Many may miss their independence and their own homes and families. As a care home owner the very least you can do is offer them a safe and comfortable place to live. As part of your role as a caring and responsible business owner, you should make sure you have adequate care home insurance in place.
What does Care Home Insurance Cover?
Just Quote Me work with the best providers of specialist care home insurance in the industry to ensure your business and your residents are safe. There are many elements to a comprehensive care home insurance policy and it may include:
Defined Abuse Cover
Abuse cover is not something you necessarily want to think about, but it is essential to protect your business. An abuse claim can be extremely expensive, and our offering offers full sexual, physical and emotional abuse cover.
Legal Expenses Cover
Legal expenses are necessary part of any compensation claim. Our offering ensures you have full protection should a case reach the stage legal guidance is necessary.
Comprehensive Malpractice Cover
Care home owners often find themselves the subject of a claim from their employees. This is in addition to negligence claims from residents. Comprehensive malpractice cover protects both wrongful administration of medicine and claims against the quality of your provision of nursing and care.
Directors and Officers Liability Cover
Directors of the care company may not have a direct role in running the business but they may find themselves personally liable for loss. In this case you will need liability cover to ensure the personal assets of directors are not affected.
Care home insurance is essential for a well-run business. No one wants to think about the worst-case scenario. However, if it happens and you’re not ready, your business can seriously suffer.
by jqm | Nov 10, 2017 | Amusement Arcade Insurance, Business Insurance
Amusement Arcade Insurance
Amusement arcades are popular year-round, with the peak season in the summer and as you know, the footfall can be high as many visitors arrive. With high volumes of visitors, amusement arcades can be high risk businesses and therefore specialist amusement arcade insurance is advisable.
Amusement arcade insurance incorporates a range of different policies to protect different elements of your business should the worst happen. The leisure sector has many general insurance policies available but specialist amusement arcade insurance will be tailored exactly to your business. Just Quote Me has considerable experience in this sector and can advise of the level of cover you may need, as well as providing a range of quotes.
Amusement arcade insurance may typically cover:
Public liability insurance
This is probably the most important kind of cover for your business. It ensures you have cover for claims due to injury or loss from members of the public or any other third parties on your premises or in contact with your business.
Employers’ liability insurance
Employers’ liability insurance is a legal requirement if you employ people in your business. It provides financial cover if they are injured or become ill due to their working practices (or claim as such).
Buildings and Contents insurance
Protection for your commercial premises and contents is vital. Much of your equipment and machinery is very expensive so if it is damaged, you need to be able to replace it without significantly impacting your working capital. Buildings insurance will protect you against any structural damage due to incidents such as fire or vandalism. Contents insurance will cover your fixtures and fittings from any losses through damage and/or theft.
Loss of licence insurance
In the amusements industry you need to hold certain licences to operate certain machines, fixed odds betting terminals and similar. If you should lose your gaming licence your amusement arcade insurance may include a clause to protect you financial. This is only the case if the loss is proven not to be your fault.
Amusement Arcade Insurance Quotes at Just Quote Me
At Just Quote Me we work with many businesses in the leisure industry, including many amusement arcade owners. Our experience in business insurance allows us to help you find the right level of cover for your business. We can source a range of quotes to ensure you have options to choose from.
You can get a FREE no obligation amusement arcade insurance quote today on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 9, 2017 | Business Insurance Blog
General Data Protection Regulation or GDPR
The EU’s new General Data Protection Regulation or GDPR is an expansion and development of previous data protection law. At present the UK relies on the Data Protection Act 1998 but things have changed significantly since this time. The new legislation introduces harsher fines for non-compliance and data breaches, and it also gives people more rights to their personal data.
The GDPR is a way for the EU to make a simpler and clearer legal environment for businesses handling volumes of data. It will come fully into force from 25th May 2018. It is applicable to all EU member states, but the UK is also affected.
The UK actually passed its own data protection legislation in September 2017 and it implements the majority of the GDPR in the UK.
Does GDPR affect my Business?
All businesses that control and process data must abide by the GDPR legislation. Your business needs to have a data controller who states how and why personal data is used. Data controllers have full responsibility for ensuring all data processed is compliant with data protection law.
Almost every business will be impacted by GDPR. If your business is currently effected by the Data Protection Act, then the same will apply to the GDPR.
Personal data and sensitive personal data come under GDPR. It is relevant to the smallest start-ups and also the largest companies.
Accountability and Protection against Breaches
Companies affected by the GDPR will see themselves much more accountable for data breaches. Their handling of personal data and sensitive personal data has to be properly managed and stored. Companies may want to review their data protection policies. It may also be worthwhile considering data protection impact assessments and fully auditing record keeping within your business.
Data breaches are becoming increasingly common. Companies such as Equifax, T-Mobile and Yahoo experienced breaches within the last 12 months. Smaller companies also need to be vigilant. The GDPR states that “destruction, loss, alteration, unauthorised disclosure of, or access to” personal data must be reported to the country’s data protection regulator. In the UK we have the ICO and they require notification within 72 hours of an organisation finding out about a breach.
The ICO has prepared some information about the GDPR with more expected before the regulation comes into effect in May 2018. All professional business owners should ensure they have a good understanding and are prepared for the regulation before this tim
by jqm | Nov 8, 2017 | Business Insurance Blog, Cyber Liability Insurance
A study carried out by the UK government shows nearly half of UK businesses identified at least one cyber breach or attack in the last year. This shows how vital protecting your business against cyber-attacks is and this is why cyber liability insurance has become essential.
What is Cyber Liability Insurance?
Cyber liability insurance is designed to support and protect your business financially in the event of a cyber-attack. It will also protect your business should there be a data breach or hackers break into your system. Cyber liability insurance is comprehensive cover to help cover the costs of a potentially damaging attack.
How can a Cyber-Attack Cost your Business?
If you’re not aware of how cyber-attacks can effect your business then it is unlikely you’re aware of the costs involved. Cyber-attacks can result in downtime and it can result in breach of client data, which can be both reputationally and financially damaging. A comprehensive cyber liability insurance policy will offer:
Ransomware Protection
Should you find a hacker or cyber-attacker wants to extort funds from your business your insurance policy should cover the cost of the ransom.
Breach Protection
A quality cyber liability policy will offer practical as well as financial support. You may be able to access forensic investigative services, legal advice and support services for your affected customers.
Business Interruption
Your policy should provide cover for loss of income due to business interruption during the cyber-attack. It may also provide cover for loss of income due to reputational damage.
Hacker Protection
If a hacker accesses your website, systems or other connected servers, your insurance policy will reimburse you repair and replacement costs.
Cyber-attacks are not something to take lightly. They are becoming increasingly common. All prudent business owners should consider cyber liability insurance a necessity, rather than optional cover. At Just Quote Me we can talk through your options at any time. Our team will help you find the right policy for your business.
by jqm | Oct 30, 2017 | Business Insurance, Mini Fleet Insurance
Mini Fleet Insurance
Depending on the insurer you speak to a mini fleet can be anything from two vehicles up to fifteen. Mini fleet insurance is an essential investment for businesses with a small number of vehicles who want to get the best price for their insurance. Mini fleet insurance can cover cars, motorcycles, vans, trucks and a range of other vehicles used for the transportation of goods or people for business. Vehicle insurance is compulsory and investing in mini fleet insurance can mean a saving for your business.
What does Mini Fleet Insurance Cover?
Your mini fleet insurance will be specific to your business and depend upon the vehicles you need cover for. For cars alone you may only need third party insurance but you may want to invest more heavily in comprehensive insurance for a higher level of protection. What’s more if you are transporting goods you may also want to look into goods in transit protection so you have additional financial cover should anything untoward happen.
Some insurance companies go further and incorporate additional types of cover in their mini fleet insurance. Legal assistance insurance is quite common and also breakdown cover and home start are commonly seen. Uninsured loss recovery and guaranteed replacement vehicle options are also available with some insurers.
In most businesses vehicles are used by several staff members so multi-driver cover will be a necessity. Most mini fleet insurance policies only cover drivers aged 21 or over and some start at 25 or over.
Benefits of Mini Fleet Insurance
Most businesses will be drawn to a fleet insurance policy because of the cost benefits. It is more affordable to invest in mini fleet insurance than to insure each of your business vehicles individually. What’s more, with a mini fleet insurance policy you can add and remove vehicles as you need, making it more flexible as your business grows. In time you may even move onto a general fleet insurance policy. Most insurance companies will be happy to move your policy as you require and support your business as it grows.
Just Quote Me provide vehicle insurance quotes for many different purposes, particularly for businesses. We can help you find and compare quotes for mini fleet insurance and find the right insurance provider for your business. We appreciate the need for affordability in insurance which is why we make sure you can find cheap quotes today or whenever suits your business.
by jqm | Oct 24, 2017 | Business Insurance, Telehandler Insurance
Telehandler Insurance
Many agricultural businesses would be lost without their telehandler or telehandlers, so what would you if it was damaged, or stolen? Telehandlers are a key piece of plant for many businesses and like all key assets in business they should be insured. Telehandler insurance can be packaged in a number of ways. Lots of business owners like to get as much cover as possible for their key machinery, including telehandlers and it is possible to arrange a telehandler insurance policy which incorporates any driver cover, as well as protection against theft or accidental damage.
Hired Telehandler Insurance
Some businesses opt to hire their machinery simply for ease and to ensure they can regularly update the equipment when required. Many hire policies allowed you to swap older equipment for newer models which is less easy when you’ve purchased it outright. When you hire a telehandler the hire contract will include clauses which state how you must care for the equipment. You will be expected to keep it in good condition, working order and ensure it is safe. Some contracts may even state you must have telehandler insurance but most don’t. However, if you want to honour the agreements in your contract, hired telehandler insurance is recommended. Hired telehandler insurance will cover any compensation necessary should the machine be damaged or stolen. It will also cover any related legal fees and ensure you are protected financially should anything happen to the equipment.
Own Telehandler Insurance
When you purchase your own equipment, insurance can seem less important. This shouldn’t be the case. Although if something goes wrong you are not liable to any other company, you could see immediate negative business impact. Insuring your telehandler or telehandlers makes good business sense. The insurance will cover the equipment should it be damaged or stolen while in use. It will also cover the drivers you need it to as already mentioned, and there are a wide range of different elements of telehandler insurance you may want to look into more closely.
Just Quote Me specialise in working with businesses looking for specific types of insurance. We have experts in many different insurance fields and can help ensure you have a range of options and can compare quotes when organising your telehandler insurance.
Please get in touch with us today to discuss your business, your plant and machinery insurance requirement and specifically to discuss your telehandler insurance cover options.
Contact us to find out more about Telehandler Insurance:
Go to our online Quote System or call us on 0800 084 2325
