by jqm | Oct 15, 2019 | Business Insurance, Business Insurance Blog, Commercial Insurance, Farm Insurance, Insurance, Insurance Broker, Insurance Online, Insurance Quote Online, Local Business Insurance News
Renewable Energy Insurance
Last year, renewable energy production in the UK rose to its highest-ever levels. To date, in 2019, it is responsible for almost 40% of all energy production. Large-scale operations such as off-shore wind farms generate much of this energy. However, more and more smaller producers are playing their part in producing renewable energy. All of these require renewable energy insurance.
Farmers and landowners, for example, have begun building wind turbines on their land, while businesses are adding solar panels to their properties. At the same time, specialist companies are setting up focused on areas such as Anaerobic Digestion or Hydroelectric power. While this is all a positive for the planet, it can lead to problems for the companies involved if they don’t have the right insurance.
Types of Renewable Energy Insurance
There are different types of renewable energy, however, all of which need a different type of insurance. These include:
- Anaerobic digestion
- Geothermal
- Micro Hydroelectric
- Solar and PV
- Wind turbines and wind farms.
Different insurance will probably be needed depending on whether the business is in the process or starting up or fully operational.
Renewable Energy Insurance Coverage
In each instance, renewable energy insurance should cover:
- Employers liability for if staff are injured at work
- Public liability for if visitors or other members of the public are injured on-site
- Professional indemnity for any negligence claims
- Poor quality work (from contractors)
- Delays in start-up
- Legal expenses to respond to claims or place claims due to workmanship or delays
- Damage, including fire and theft
- Loss of revenue
- Environmental impairment
Buying renewable energy insurance
Because of the complexities, anyone considering getting involved in renewable energy should speak to an industry professional such as Just Quote Me to ensure they are fully protected. Contact them today on 0800 084 2325 for a free, no-obligation, renewable energy insurance quote.
by jqm | Oct 5, 2019 | Commercial Insurance, Construction Insurance, Home Insurance, Insurance, Insurance Online, Just Quote Me, Personal Insurance
The term stately home can mean different things to different people. In general, however, it means a ‘grand’ property that has a ‘stately’ appearance. For example, country homes, historic properties and listed buildings are often described as stately homes. One critical thing that these properties needs is stately home insurance.
Charities such as English Heritage own many of our stately homes, as do local authorities (who use them as offices). Others are now hotels. However, some are still privately owned. Owning a stately home means owning something that is unique; a part of our history, which is wonderful.
What is perhaps not so wonderful is how much it can cost to maintain a stately home. As with the home itself, how much it costs to maintain will be different. Conservative estimates, however, suggest it could be around 2% of the property’s value each year. And this is without anything major going wrong, which is where Stately Home insurance comes in. Because, without it, things could get very expensive indeed for homeowners.
Stately Home insurance cover
Owners of stately homes will need specialist insurance cover. For example, most stately homes are older buildings and might need repairing using traditional building methods. If the building is Grade-Listed, then it will certainly need specialist care. As a result, it’s important insurance policies include repairs. Insurance should also include the physical ‘bricks and mortar’ building, land and contents. If the building is open to the public, this needs to be taken into account too. For example, owners will need employer’s liability insurance if they employ staff.
Buying Stately Home insurance
With so much to consider, it’s important to get specialist advice. Which is why you should speak to an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no-obligation, stately home insurance quote.
by jqm | Sep 17, 2019 | Business Insurance, Business Insurance Blog, Insurance, Insurance Broker, Insurance Quote Online
If you run your own business then it is precious to you. Getting the right cover is vital to protect your business for when the unforeseen happens. A recruitment agency can have many risks; from making a mistake to a client suffering an injury in your office. Without proper recruitment agency insurance cover, it could spell the end of your business.
What cover does a recruitment agency need?
The exact cover you need will depend on the size and structure of your business. It’s important to discuss all your requirements with an insurance broker, such as Just Quote Me, to make sure you are adequately covered.
You will need professional indemnity insurance as part of your package. This protects you in the event that you make a mistake, such as offering poor advice. This is vital for recruitment agencies.
If you have visitors come to your office, or you make site visits then you will need public indemnity insurance. This provides protection in the event that you injure someone or cause damage in the course of doing your job. For example, if you trip over an expensive piece of equipment on a site visit and it breaks.
If you have employees you will need employer’s liability insurance. This protects you in case one of your employees makes a claim against you for injury or illness. It is a legal requirement to have this.
Along with these essentials, you may need to consider cover for premises, for cyber and data risks and directors and officers insurance. It is the combination of all this cover that will be bundled to give you your recruitment agency insurance.
Are you looking for recruitment agency insurance?
If you need recruitment agency insurance you need to speak to a company that can put together a bundle that gives you the cover you need. Just Quote Me are experienced insurance brokers. They will discuss your business with you, so they understand the cover you need. They can then put together a bundle that gives your recruitment agency the coverage it needs at the best price possible. Contact them today to see what they can do for you.
by jqm | Sep 12, 2019 | Business Insurance, Business Insurance Blog, Business Insurance UK, Business Liability Insurance, Commercial Insurance, Compare Public Liability Insurance Quotes, Pub Insurance
Looking For Late Night Bar Insurance?
Are you a looking for cover for your bar premises?
If you own or manage a late night bar in the UK you will need cover to protect members of the Public at all times whilst on or about your premises.
You will also need to protect them against the possibility of injury or discomfort caused by any products sold by you to them.
This would be covered by our online late night bar Insurance, and there are a number of other covers such as stock, food and frozen food insurance plus beers wines and spirits cover.
We also offer property protection such as buildings insurance or indeed fixtures and fittings cover for which you may be responsible under a tenancy agreement or any other improvements that you personally have paid for to enhance the public’s experience at your premises.
Cover for injuries that occur at your premises
What happens if a customer injures themselves on your premises or alleges that an injury occurred on your premises?
Do you have the correct procedures in place to monitor all slips and trips on your premises?
Do you have a cleaning up process already in place for spills?
Do you have an accident book to report any such injuries and state what action was taken to prevent further injuries taking place?
No win no fee claims on the rise
With the rise of no win no fee the licensed trade has seen the number of claims rise drastically over the recent years as members of the Public have alleged incident where they have injured themselves have actually happened whilst they have attended a licensed venue.
Could be your late night bar be able to provide evidence to defend any such allegation if indeed untrue?
With late licence venues being able to open 24 hours a day then this has created a difference in drinking and socialising habits in the UK and our Insurance policies have changed to cater for this.
Contact us for your late night bar insurance
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 10, 2019 | Business Insurance Blog, Business Insurance Price Comparison Site, Home Insurance, Office Insurance
Working from home is becoming more and more common. While there are many advantages of home-working, there are several extra things that you need to consider if you set up a home office. One of these is whether your current home insurance is sufficient for using your home as an office. If not, you may need to consider home office insurance.
What does home office insurance cover?
The best home office insurance will be tailored to your needs. At the very least, it should cover your equipment and any loss of income in the case of fire or theft. Beyond that, it is going to depend on the specifics of your business.
If you have employees, you will need employer’s liability insurance. It is a legal requirement to have this insurance. It provides you protects in the event that one of your employees makes a claim against you for illness or injury.
If you have visitors coming into your office you should consider having public liability insurance. This covers and legal costs that might arise should someone be injured while on your premises.
If you are an online retailer then you might want to include cover for your online business. Alternatively, if you offer consultancy or advice as part of your business then professional indemnity insurance can cover you in the event that you make a mistake or provide poor advice. If you use your car for business then you may need to upgrade your insurance here as well.
Whatever you need can be bundled into a single policy that is your home office insurance.
Where to find home office insurance
Just Quote Me are online insurance brokers. They can help you find the right policy for your needs. If you aren’t sure precisely what cover you need then your best course of action is to discuss your business and current cover with the experienced brokers at Just Quote Me. They will give you advice about cover and help build a package that offers excellent value cover. Talk to them today to find out what cover you need.
by jqm | Aug 27, 2019 | Builders Insurance, Construction Insurance, Home Insurance
Deciding to build your own home is one of the biggest and most daunting undertakings anyone can engage in. When you are putting such a large amount of money into a venture like this, you need to be sure that your investment is protected. As the owner of the project, you also need to make sure that you are not liable if anything goes wrong on the site. This is where build your own home, or self-build insurance comes in.
Who Needs Build Your Own Home Insurance?
This insurance is for people who are planning on building a home to live in. It is assumed that you will have a plot of land to build on, but that construction will not have commenced at the time that insurance is taken out.
How Build Your Own Home Insurance Is Different To Home Insurance
Build your own home insurance goes beyond standard home insurance in that it also contains a business component. You need this extra insurance cover because you will be hiring tradespeople to work on your site. As such, you are their employer and will need extra cover.
What is Covered by Build Your Own Home Insurance
Obviously, the exact cover you get will depend on the policy you select. However, build your own home insurance should include public liability and employers liability cover. This will protect you in the case of most accidents that can happen on the site. Your insurance will also cover the materials and tools that are left on-site during the building works. This insurance also offers protection against shoddy work. So if the work is not completed to a high standard, you have the means to rectify the situation.
Do you have questions about Build Your Own Home Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 20, 2019 | Builders Insurance, Business Insurance
When you are overseeing the construction on a job site, the buck stops with you. There is a lot of pressure and stress associated with managing all the work; dealing with delays, clients’ expectations and budget issues are stressful and exhausting. Knowing that you have the right protection supporting you to do your job to the best of your ability. That’s why building contractors’ insurance is so important.
What Can You Include With Building Contractor Insurance?
Precisely what is covered by building contractor insurance depends on the specific policy you opt to go for. However, the key piece of your insurance will be public liability insurance. This is the part of the policy that protects you in the case of an accident on the site. In the case of injury or damage, you will be covered. Rolled into this could also be contractors all risk cover. This includes the extra losses that can be specific to building sites that might be excluded from a standard public liability policy.
All business insurance should also include professional indemnity cover. This provides you with the reassurance that if your actions or advice lead to financial loss for your client, then you will be covered.
If you are directly employing anyone for the job, you will need to have employer’s liability insurance as well. This provides you with cover in the event of injury or illness amongst your employees.
With some policies, you can also include additional tool cover. Giving you peace of mind that all the tools on the site will be covered in the event of either theft or damage.
The precise combination of this cover is what protects your interests while working on a job. Depending on the details of your work you should tailor your cover to match your needs.
Do you have questions about Building Contractor Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 13, 2019 | Business Insurance, Business Insurance UK, Insurance Online, Insurance Quote Online, Small Business Insurance, Small Business Insurance Quote
If you are a sole trader, then your business is likely one of the most important things in your life. Insurance is there to protect the things we care about. Sole trader insurance gives you the right cover for your business. You can tailor this insurance to meet your needs. Choosing the right selection of protection gives you the peace of mind that all your hard work is protected and that even if you work alone, someone has your back.
What you can include with Sole Trader Insurance
Public liability insurance is a great starting place for any sole trader who has direct contact with their clients. This provides protection in the event that a member of the public is injured whilst on your premises. It also covers you in the event that you cause damage to someone else’s property whilst in the course of your work.
If part of your business involves providing advice, professional expertise or the handling of personal data then you should consider personal liability insurance. This protects you in the event that you make a mistake and money is required to resolve the situation.
Office insurance can protect you in the case of damages to your premises. Not only can it cover any lost equipment but also loss of earnings.
If you have concerns about cybercrime, then you might be interested in cyber and data protection. If you have any employees, then you will need to have employers liability insurance. Personal accident insurance can protect you in case you are injured and unable to work.
Sole trader insurance is tailored to meet your exact needs. You should make sure that you consider all aspects of your business and that you are fully covered.
Do you have questions about Sole Trader Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
by jqm | Aug 6, 2019 | Insurance Online, Insurance Quote Online, Just Quote Me, Landlord Insurance
If you own property then you want to make sure it is fully protected. Building owners’ insurance allows you to protect one or more buildings as long as they are not your place of residence.
Building Owners’ Insurance Vs Landlord Insurance
Landlord insurance is aimed at people who own rental properties. It provides protection against damage that might be caused by tenants or natural disasters. It also provides protection against unpaid rent. Building owners’ insurance can be used to insure buildings that are used for a range of purposes, including unoccupied properties.
The Key Benefits
If you own a portfolio of property, it would be a hassle to have a different policy for each building. With building owners’ insurance, you can insure all the buildings with one policy. As well as being easier, it also works out to be cheaper.
You can include liability insurance as part of your building owners’ insurance. This provides protection in case of injury to third parties. For example, if one of the buildings you own falls into disrepair, which causes injury to a member of the public. Your insurance would cover the legal fees associated with the incident.
If your properties are rented then you get the same protections as with landlord insurance. In the event that your tenants withhold payment, or if the property is temporarily uninhabitable, you will receive the same amount that you would have.
Included in this insurance is commercial cover for the buildings. This offers protection in the event of fire, arson, and break-ins.
In essence, this insurance offers you comprehensive cover for all the buildings you own in one simple policy.
Do you have questions about Building Owners’ Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jul 30, 2019 | Home Insurance, Office Insurance, Small Business Insurance
Normal home insurance doesn’t always cover your office equipment and supplies when you’re working from home. Having an office in your house is great for flexible working or having a break from the office environment. How do you know if you need home office insurance?
Do you run a business from your home?
A large number of businesses began from someone starting them up in their own homes. If you work from home, you’re going to need insurance. You need cover just like any business.
Unfortunately, accidents happen all the time, and public and employer liability insurance is still something your policy should cover. This also includes, most importantly, personal accident insurance. If you’re self-employed, but you hurt yourself and are unable to work, you’re going to need insurance to keep yourself afloat.
In addition to this, you need to cover the contents to your office from your computer, down to your supplies. Separate of this is home business building insurance. This covers your home and office against disasters like fire or flooding. If disasters occur, you’re not only losing your home – but also your office!
There is even an online retailer’ insurance. This covers you if you’re business sells goods online. It is probably the case that all of your stock is stored on your premises and so this needs to be covered against theft or damage. Otherwise, you have nothing to sell!
Home Office Insurance
Finding the right insurance can be a headache. Each businesses insurance needs will vary greatly. Therefore it’s important you have the right professional and expert guidance, so you’re fully covered but also not buying something you don’t need.
Do you have questions about Home Office Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
