by jqm | Jul 23, 2019 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance, Insurance Quote Online
Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?
Look around
Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.
Get a free quote
Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.
What is the Just Quote Me approach?
Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.
Get the basics
Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.
Do you have questions about comparing business insurance quotes?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jul 9, 2019 | Farm Insurance, Public Liability Insurance, Small Business Insurance
Solar farms are now a common sight. They are great at renewable energy. However, with such useful and essential technology, it’s important to protect it. Getting commercial and domestic insurance can help safeguard your farm against natural and abnormal threats and solar farm insurance is no different.
Solar farms usually cover between an acre and 100 acres of land. It’s great that you have decided to take the initiative to create a renewable energy farm. However, you’re going to need insurance. Why do you need insurance?
Potential breakdown
If you’re starting your farm, chances are the substantial amount of profit won’t come until later. Therefore, before you’re making profits, if there is substantial damage to the solar panels and they need replacing, then you’re likely to need to pay huge lump sums. By having insurance, your insurance provider can help settle the costs.
Employer or public liability
This protects you or anyone who is at risk in and around the farm. Accidents do happen, especially when dealing with items at a great height or weight.
Damaged cells
You need to work hard to keep your solar panels clean and in working order. There are risks such as fire, hail and storm damage that you should consider. It’s normally included standard. However, you’d probably want to consider the loss of income if there is damage and the farm needs to halt for a while.
Solar farm insurance
Just Quote Me are dedicated to finding the right insurance for you, that suits your needs and budget. As well as offering solar farm insurance, there are options to develop schools, local authority projects and domestic developments. We want to protect you and your renewable investment.
Do you have questions about Solar Farm Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Jun 28, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker
New build homes are becoming popular, and if you’re one of the thousands of people buying a new build property, then you’re probably in need of new build insurance.
What is new build insurance?
A new build will come with a warranty, but that will only cover you for issues relating to building work that was carried out by the home developer. New build insurance would cover you outside of that, including floods, fire or subsidence.
Why is it important?
New homes may seem fault-free on the surface, but as nothing in the property is tried and tested, you may begin to notice things like leaking showers or less than perfect electrics.
What are the benefits of having new build insurance?
It might be something your mortgage provider insists you have to make sure you’re able to pay bills when things go wrong. There are always risks when it comes to buying properties – even new builds. If you buy the property outright, you don’t technically need new build insurance, but it would mean you are not covered if there are issues further down the line.
Getting new build insurance from the date you exchange contracts can protect you if the builders are not covered by the National House-Building Council (NHBC). The NHBC offers a building certificate which provides the 10-year warranty for new homes and new conversions.
New build insurance and the NHBC Buildmark cover you if you’ve exchanged contracts and the builder goes bankrupt before your property is finished. Sadly, new homeowners faced with unfinished or shoddy properties is a common sight, and once the contracts are exchanged, it’s challenging to get the builder back on site to fix any issues regardless of what the warranty says.
New build homes are often cheaper to insure than older properties because they are fitted with the latest technology. They’re usually more efficient to heat and have the most secure doors, windows and locks to protect from burglary.
It’s also worth noting that if you are struggling to insure your newly built home – we can help. Most new builds can get insurance, but a few insurers fail to update their databases, so it could be the case that your new postcode just isn’t registered yet. However, we will be able to seek out the best insurance for your needs.
Do you have any questions about new build insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 27, 2019 | Builders Insurance, Home Insurance, Insurance, Insurance Broker, Insurance Online
If you’re keen to renovate your property but want to avoid the costs that come with correcting mistakes or accidental damage during the work, then you’re likely to need renovation insurance. It may be the peace of mind you need when creating your ideal property.
Who is Just Quote Me?
Just Quote Me is a company dedicated to securing business and personal insurance. The team of independent brokers has over 28 years of industry experience and have placed cover for both local and national businesses. Just Quote Me has worked with a variety of cases from charities and places of worship to wine bars and nightclubs.
What is renovation insurance?
Renovation insurance is necessary for providing properties protection for the home while it is being upgraded and renovated. The insurance covers the existing structure as well as the materials and new work that is completed. It can cover tools, equipment and plant machinery on site during the renovation.
What are the benefits of using Just Quote Me?
- The insurance you need
It recognises that under regular home insurance, any injuries obtained during renovation is not covered in the policy. Even the builder’s public liability insurance can mean that claiming is a long process, difficult to determine and might not cover you if there is no proof that work is negligible.
- The best deals
The company is made up of independent brokers, which means that the team searches insurance providers to find you the best deal. It also saves you the time it takes to search for yourself and uses their expertise to filter out to the least desirable deals.
- Instant documentation
The policy documents are emailed to you instantly, so there is no need to wait for paperwork to come in the post. This means they make the whole process quicker and more efficient.
- Three simple steps
The approach we take is in three simple steps. 1) You complete online forms and receive an instant online quote. 2) We use quick quote forms for the customer to explain their needs. 3) Just Quote Me will then come back to you with the most appropriate insurance.
- Trusted and accredited
Just Quote Me is a member of the British Insurance Brokers’ Association which validates our business as a reputable and knowledgeable company.
Do you have any questions about renovation insurance?
If you would like a FREE renovation insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our quick quote form. Visit https://justquoteme.co.uk/ for more information.
by jqm | Jun 17, 2019 | Landlord Insurance
Are you a landlord and looking for an insurance quote?
There are so many benefits to protecting your property with landlords insurance and so it’s surprising that so many landlords are still without it.
When you rent out your property, you’re leaving it in the hands of your tenants. Leaving other people to look after your biggest asset can be worrying and landlords insurance can help to give you peace of mind that your property and its contents are covered.
Buy Landlord Insurance Cover Online Today
Just Quote Me is a leading UK insurance company that can help you to find the right policy to meet your needs. We’ve worked with hundreds of businesses over the years and our service has always been met with praise from our satisfied customers.
Just Quote Me believes that insurance should be tailored to a company’s needs in order for it to provide adequate protection when they need it most.
FREE Landlord Insurance quote
If you would like a FREE Landlord Insurance quote that’s tailored to your unique needs, call Just Quote Me on 0800 084 2325 or use our Quick Quote form.
by jqm | Jun 5, 2019 | Public Liability Insurance
Just Quote Me can help with your Public Liability Insurance Cover!
Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.
Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.
Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.
What level of Public Liability Cover do I need?
The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.
When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.
Running the Risk of No Public Liability Insurance
Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.
Affordable, Comprehensive Insurance Policies from Just Quote Me
Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.
If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | May 30, 2019 | Employers Liability Insurance, Insurance, Insurance Online, Just Quote Me, Public Liability Insurance
Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.
Your current insurance
When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.
This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.
However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.
Cover types
Depending on your activities, your church may benefit from:
Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings
Church Contents Cover – pays out if contents and equipment gets stolen or damaged
Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property
Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions
Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss
Manse Cover – landlord insurance for houses the church may own and rent out
Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.
Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks
Minibus Cover – just like car insurance but for your minibus
Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues
Abuse Cover – covers the cost to the church should an allegation of abuse be made
Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.
Group Travel – covers trips you organise for members or staff in the UK & abroad.
Just Quote Me Church Insurance Quotes
You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.
by jqm | May 27, 2019 | Business Insurance UK, Business Liability Insurance, Compare Public Liability Insurance Quotes, Cyber Liability Insurance, Employers Liability Insurance, Insurance, Just Quote Me, Office Insurance
In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.
Know your exposures:
- Failure to perform required background checks on candidates
- Placing a candidate who does not have the suitable experience or qualities for a role
- Passing a CV to an existing employer or third party without a candidate’s expressed consent
- Vicarious liability arising out of actions of on-hired employees
A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.
The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.
The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.
The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:
- Have professional indemnity insurance
- Keep good records of all your interactions with clients
- Understand your obligations when prospecting and vetting candidates
- Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;
Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.
Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.
Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.
Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.
Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.
Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.
by jqm | May 21, 2019 | Cyber Liability Insurance, Employers Liability Insurance, Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Public Liability Insurance
Insurance is a key part of the risk management process for charities and non-profit organisations. It’s important that these groups who do so much good, with so few resources, protect themselves; charity insurance can provide that protection. With the financial security provided by insurance, your organisation can focus all its resources on its charitable aims.
The first check is to ensure you’re complying with the law. Employer’s liability is a legal requirement if you have employees. £5 million is the minimum indemnity, but £10m is standard. Specialist charity insurance may cover your volunteers as if they were employees rather than third parties covered by your Public Liability.
If you own and operate vehicles, you’re legally required to appropriately insure them, if you put on fundraising events, you need public liability insurance, and if you have data online, you need cyber risk insurance -there will also be other instances where you could be vulnerable.
Is it important to be insured beyond the legal requirements?
Yes! Insurance exists to protect your organisation and your assets from the financial impact of claims. Should a member of the public slip on your premises, despite your best risk management efforts, you may be liable – this is the sort of claim that could cause financial ruin and put a stop to all the good that you have been doing.
What could happen if you’re not insured?
It depends on your charity or community group governance. However, if you’re not a registered charity and someone makes a claim against you, then you may be personally liable. Equally, even if you are a registered charity, a claimant may choose to take the charity to court and may pursue compensation from the trustees.
Whatever the situation, if you don’t have insurance then your charity or non-profit is at serious risk of financial ruin. And there’s potentially a significant risk to the board of trustees too.
What should you do about insurance?
The first step towards insuring your organisation should be discussing your requirements with an expert. We can assist you with your insurance requirements and risk management.
What charity insurance should you consider buying?
You may consider a range of insurance products. Common cover required by charities and community groups include Public Liability, Property, Trustee Indemnity, Professional Indemnity, Fidelity and more.
What are the common insurance covers for charities and community groups?
Public Liability protects you from claims made by members of the public who have suffered personal injury or property damage because of your charity or community group. Property Damage insures your building, contents and assets against loss, theft or damage and is key to risk management.
Trustee Indemnity protects your board of trustees from claims made against them or the organisation. This will help your trustees sleep well at night and can help you recruit top quality trustees. Professional Indemnity protects you if you provide any professional, advice or counselling services or similar. And Fidelity cover insures you against theft or fraud by an employee, volunteer or trustee. Other types of insurance are available.
Where should you start your search?
Find an insurer who will know exactly what you need, and get their advice. They will know more about your requirements and about the products available.
Don’t risk it. Cover your charity with Insurance today by getting in touch!
by jqm | May 2, 2019 | Business Insurance, Cyber Liability Insurance, Insurance Online, Insurance Quote Online, Just Quote Me, Small Business Insurance
All businesses rely on an IT infrastructure to some degree. As a result, you are exposed to the risks of business interruption, income loss, damage management and repair, and possibly reputational damage if IT equipment or systems fail or are breached, and you don’t have Cyber Liability Insurance.
A UK Government survey estimated that in 2015 74% of small to medium-sized organisations suffered a cyber breach. The average cost of a cyber-security breach can be as much as £310,000.
This is especially important to you if you hold:
- Sensitive customer details such as names and addresses or banking information
- Rely heavily on IT systems and websites to conduct your business
- Process payment card information as a matter of course
What is Cyber Liability Insurance?
The penalties can be high if a company’s IT security is found to be inadequate and a breach occurs. Under EU regulations which came into force 25th May 2018, you are required to notify your customers of a cyber security breach and could be fined up to 4% of your turnover.
In addition to potentially substantial fines it can also lead to a damaged reputation, legal costs and associated business disruption and lost revenue.
Will your customers trust you after a security breach?
Cyber Liability has become headline news following a number of high profile hacking cases. This has led to a greater awareness of the risks and need for cover. Yet it’s not just the large corporates who are at risk.
As a business, you are likely to hold a lot of personal and sensitive data concerning your customers. The increasing use of online portals could give hackers access to sensitive information held about individual customer accounts.
Cyber Liability covers you against financial losses and third-party liabilities up to the limits chosen arising from cyber attacks.
Every organisation is a potential victim
All organisations have something of value that is worth something to others. You may experience some form of cyber attack if you openly demonstrate weaknesses in your approach to cyber security by failing to do the basics.
Part of your risk management process should be assessing whether you are likely to be the victim of a targeted or un-targeted attack. Every organisation connected to the Internet should assume they could be a victim of the latter.
Either way, you should implement basic security controls consistently across your organisation. Where you may be specifically targeted, ensure you have a more in-depth, holistic approach to cyber security.
The Stats
Recent reports revealed that despite increased efforts and spending in the realm of reducing cyber-risk, over 60 per cent of UK businesses identified that they have a cyber-security skills gap. What’s more, over half of these organisations believe they have an increased risk of suffering a data breach as a result.
What does your Cyber Insurance cover?
Cyber insurance may cover several different things, dependent on the level you opt for. There are policies which offer scalable cover including elements such as:
- Data Breaches
- Dealing with any cyber liability compensation claims
- Cover for business losses and interruption
- Cover for supporting your business through the aftermath and impact of the cyber event
- Hardware and data repair and replacement
- Forensic investigation, expert advice and IT support
Don’t risk it. Cover your business with Cyber Insurance today by getting in touch or going to this page on our website.
If you would like to know more about the possible risks and solutions to your business’ IT department, we’ve prepared a PDF with more information which you can download here.
