by jqm | May 10, 2017 | Business Insurance
When you open a new catering business you need to consider as many ways as possible of keeping it protected. Your café or sandwich shop needs adequate insurance to protect it should the worst happen. Specialist insurance for sandwich shops can be sought and arranged to ensure you don’t have to worry about the potential of huge financial costs should the worst happen.
Insurance for sandwich shops involves many different elements dependent on the nature of your business. It is a sector which is growing in popularity and whilst the big high street names dominate the market, there is a real craving for independent shops and cafes around the UK. Your business could be a real success.
Protect your Sandwich Shop against All Risks
It will dependent on the business the sandwich shop insurance you need may include the follow types of cover:
Employer’s liability insurance
If you employ a single person then you are legally required to have employer’s liability insurance in place. Even if you employ family members, part-time or temp employees, you still need this kind of cover, protecting your business should anyone employed by make a claim against your business.
Buildings and Contents insurance
Specific business contents and buildings insurance may be necessary for your sandwich shop. Commercial business property is at higher risk than domestic property so it needs a higher level of cover.
Stock and Money Cover
As a business which runs on selling produce and taking cash from paying customers, you may want to consider these types of insurance cover. Stock cover will protect you should your goods be damaged or stolen. Money cover helps to protect your business’ cash both on premises and in transit to your bank.
Public Liability Insurance
Public liability insurance protects you against compensation claims made by members of the public who allege your business has caused injury or harm to them or their property. This is not a compulsory type of cover but it is highly recommended for any sound business.
Contact us today to discuss sandwich shop insurance and explore your options.
by jqm | May 5, 2017 | Business Insurance
The UK has an ageing population, with over 17% of the population aged over 65 and as more people live longer, the requirement for quality residential care environments increases. Choosing to run a residential facility is a big task and something you should be passionate about. You also have to be committed to safety and this means investing in proper care home insurance.
Safe as Houses with Care Home Insurance
The main focus of your care home insurance should be protection and safety. You want everyone in your care as well as your staff and any third-party visitors to be safe and protected. Insurance protects against risks and helps you recognise the potential hazards in your workplace.
Public liability insurance is an essential part of your care home insurance policy. It protects you for any legal fees and damages which occur should a third party make a claim against you. This could be one of your residents, their visitors or any member of the public. Care homes have higher risk factors because of the frailty of many residents so slip and trip hazards and similar need to be even more of a focus than in other environments.
If you employ nurses or care workers or any staff at all, your care home insurance will also need an employer’s liability insurance element. This protects your business against claims made by employees.
Additional kinds of cover you may want to consider for your car home include:
Buildings and Contents Care Home Insurance
As a business, you will need specialist commercial property insurance. This is the case even if you live in the same property. Your contents and buildings insurance can be specifically tailored to the functions of your business.
Care Sector Insurance
Some specialist insurance providers do offer unique care sector insurance options, which can help ensure you have cover in areas you may not have considered.
At Just Quote Me we work with you to ascertain the specific requirements for your care home insurance. We can then make suggestions and ensure you have access to the best possible level of cover.
by jqm | May 4, 2017 | Business Insurance
People visit caravan parks every month of the year but once the sun comes out, peak season has arrived. Each summer caravan park owners brace themselves for another busy season and one of the key considerations for preparing for the peak must be your caravan park insurance.
Ask yourself the following questions about your caravan park insurance:
Has anything changed from last year? Does my policy need updating?
If there have been any recent additions or purchases pertinent to your business you may need to discuss these with your insurer. Your caravan park insurance needs to be fully updated in time for the new season, before the guests start arriving and the risks increase.
Are your workers fully insured?
You may not employ anyone on the off-season but if you bring any employees in for the summertime, you need to make sure you have proper employer’s liability insurance. It is illegal to operate any business without employer’s liability insurance, when you employees in your business.
Do you have enough Public Liability Cover?
Your caravan park insurance needs to include a public liability cover element. This protects your business from potential claims made by third parties such as your guests and visitors. It ensures you have financial protection should a claim be made. The right level of public liability cover provides peace of mind as you continue your regular business operations.
Are there other types of insurance I should consider?
Every business is different and your caravan park insurance should reflect the needs of your business. You may want to invest additional cover such as vandalism, accidental damage or disaster protection but this will depend on your particular business.
Just Quote Me can discuss your caravan park insurance options with you at length. We work with you so you can achieve a level of cover which suits your business and your budget.
by jqm | May 3, 2017 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance Broker, Zoo Insurance
The busiest time of the year for zoos, farms and wildlife businesses is coming up, is your business ready to trade? Zoo insurance or the relevant wildlife or farm insurance for your business helps to guarantee you have a protective buffer against any worst case scenarios.
Many zoos have recently faced closure and there are very close guidelines and regulations to follow in this industry. These considerations plus general business sense have made getting a good level of zoo insurance cover more important than ever before. A compensation claim could be enough to close a struggling business so ensure yours is protected.
What will my Zoo Insurance Cover?
At Just Quote Me we specialise in helping business owners getting the level of cover essential for their individual circumstances, which may change from company to company. Your zoo insurance will depend on many different elements but most policies may include:
- Public liability: for financial protection against claims made by third parties such as customers
- Employer’s liability: for financial protections against claims from employees (a legal requirement if you have any employees in your business)
- Business interruption insurance
- Livestock insurance
- Cover for transit of animals
As you can see many of these kinds of cover are very specific and niche. It is important you consider your options carefully. Specialist insurance cover can be expensive. However, when you choose to run a business in a niche area it is unfortunately necessary. Work with an experienced insurance partner like Just Quote Me to make your options easier and clearer. Our knowledgeable team can discuss your zoo insurance options to ensure you get the level of cover required.
Please get in touch today to discuss zoo insurance quotes and any other questions you may have about your cover.
by jqm | Apr 30, 2017 | Pub Insurance
he night-time economy in the UK is worth billions of pounds. There are hundreds of popular clubs up and down the country. As the owner of one of these businesses you are probably all too aware of the costs and risks involved. Without the right club insurance, the risks are much more likely to cause an issue.
You need to prepare your business for all the potential risks it faces. This means making a considered decision with your club insurance and ensuring your business is fully protected. Some of the most common risks in the night club industry include:
- Injuries to customers: if a customer suffers an injury they may claim it was due to negligence on the part of your club. With proper club insurance, including public liability cover, you are protected against the legal costs and potential compensation in this scenario.
- Injuries to employees: if you employ anyone in your club then your club insurance must include employer’s liability insurance. Employees are at risk of accident and injury. You need to be covered in case they make a claim and suggest their injury was the fault of the business.
- Damage to the venue: your venue may utilise a range of special equipment for your events and club nights. Specialist property and buildings insurance can be sought out and included in your club insurance so you have protection in the worst case scenarios.
Your business may be something you enjoy running as well as earn an income from but you have to treat it seriously. Both when it comes to protecting its future and your customers. The right club insurance is a protective measure for everyone in your business. It stops the worry and stress of finding cash, should there be an allegation or claim and the worst happen.
Just Quote Me Club Insurance
Just Quote Me is proud to have worked with businesses in the night club sector. Our experience in recommending and advising on the right club insurance will help ensure your business is adequately cover. Contact us today to discuss your options.
by jqm | Apr 29, 2017 | Business Insurance
Soft play is big business, whether mobile or in a single venue, kids and parents alike love the freedom it offers. If you have invested in a new children’s play business then you must make sure you have an adequate level of soft play insurance. There are many risks in this kind of business and all sensible business owners will do all they can to protect their company and also their guests and customers.
Soft play businesses are not a cheap investment and you probably already know it is a large commitment before you begin to turn a profit. Therefore, by not getting adequate soft play insurance cover, you are effectively leaving your expensive new business open to risks and potential compensation claims.
Soft Play Insurance to Protect against Risks
Soft play businesses thrive on children running around, throwing themselves about and getting in many situations where they could be at risk of injury. This makes it a relatively high risk business and not investing insurance leaves you wide open to claims from parents and others who may suggest your business is responsible for their child’s injury or accident. It is imperative you have adequate cover for your business. Both public and personal liability insurances should be a key consideration and if you have anyone working for you it is a legal requirement to have employer’s liability insurance in place too.
Discussing your business with Just Quote Me gives you an opportunity to discuss all your potential soft play insurance needs. Our professional advisors may be able to provide suggestions as to the levels you need and the different types of cover which your business really needs.
Running a business for children is great fun and comes with vast amounts of satisfaction but you still need to be mindful and adult when it comes to protecting it. You need to invest in soft play insurance.
by jqm | Apr 27, 2017 | Motor Fleet Insurance
Investing in insurance for your vehicles is an essential cost for any business but when your vehicle count numbers more than two, it can be more cost effective to opt for small fleet insurance. Even two cars or two vans used for business insurance count as a fleet and specialist small fleet insurance can be the best value and most effective way of insuring your vehicles.
What does a Small Fleet Insurance Policy cover?
The cover provided by your small fleet insurance policy will depend on the type of business you run. It will also depend on the vehicles in your fleet. Fleets made up of just cars require different insurance to those which include vans, HGVs, trucks and haulage vehicles. At Just Quote Me our experienced insurance advisors can help find a policy and quotes which are tailored to your business’ needs.
Small Fleet Insurance Policy Clauses
You may want to consider the following clauses for your small fleet insurance:
“Any Vehicle”
Most business owners should opt for their small fleet insurance policy to cover “any vehicle” as this offers maximum protection. It protects you should you forget to update your policy schedule and add in any changes of vehicle.
“Any Driver”
An “any driver” small fleet policy allows each of your vehicles to be driven by any of your drivers. This is especially important if you have a number of employees. It allows you to be more flexible in the use of your small fleet. Also, many fleet insurance providers will only insure drivers over the age of 25 and with clean driving licenses, but there are exceptions to the rule.
Just Quote Me works with businesses and fleet owners in many sectors and of all sizes. Investing in small fleet insurance almost always ensures a saving for the business.
by jqm | Apr 27, 2017 | Business Insurance, Business Insurance Blog, Insurance Quote Online, Small Business Insurance Quote
Are you looking for a small business insurance quote in the UK?
The good news is that Just Quote Me can help.
The insurance team at Just Quote Me understand that every business is different and that the insurance policies that they need to reflect this.
Just Quote Me can provide the right small business insurance cover wherever you are based in the UK
Just Quote Me have arranged the most appropriate cover for many satisfied customers regardless of what profession they are in. Visit our Business Insurance section to find out more useful information or call us today for a free no obligation quote.
Business Insurance is important to your company
Don’t make the mistake of assuming that business insurance is a luxury that you do not really need to have. It’s important you consider the various types of cover available such as:
- Public Liability Insurance
- Employers Liability Insurance
- Working at Height Insurance
- Key Man Insurance
- Motor Fleet Insurance
- Restaurants & Cafes Insurance
- General Contractors Insurance
- Cleaning Contractors Insurance
- Residential Lettings Insurance
- Estate Agents Insurance
- Letting Agents Insurance
- Mortgage Brokers PI Insurance
- Commercial Lettings Insurance
- Hotels & Guesthouses Insurance
- Takeaways and Fastfood Outlets Insurance
- Professional Indemnity Insurance
- Tradesman Insurance
- Pub, Club and Restaurant Insurance
- LPG Business Insurance
- Security Company Insurance
- Shop Insurance
- Cyber Liability Insurance
- Landlord Insurance
- Office Insurance
- Commercial Combined Insurance
- Motor Trade Insurance
- Investments Insurance
- Pension Insurance
- Life Insurance
- Multiple Vehicle Insurance
- Car Insurance
- Van Insurance
Just Quote Me has been a leader in the insurance field for nearly three decades, protecting businesses across the UK from those unexpected claims that can arise from time to time, often through no particular fault of their own.
To discuss your small business insurance needs call 0800 0842 325 today. We are here waiting for your call and only too happy to help.
by jqm | Apr 18, 2017 | Just Quote Me
From May 20th, the Tobacco and Related Products Regulations 2016 come into effect and they have significant impact on many e-cigarette and vaping companies. The changes regulate what can and can’t be sold and they make it even more important to have the right level of e-cigarette insurance in place for your vaping shop, factory or other business in this sector.
The new legislation makes some big changes to the sale of e-cigarettes and e-liquids including:
- Refillable tanks can measure no more than 2ml in capacity
- E-liquids cannot be sold in bottles larger than 10ml
- All e-cigarettes and e-liquids must be registered with the Medicines and Healthcare products Regulatory Agency before they can be sold
- All packaging must be child-resistant and tamper evident
These are just some of the changes coming into effect and this may mean a change of how you produce your product range or order your stock but more importantly, it may mean you need to remove certain products from sale.
E-Cigarette Insurance with Just Quote Me
At Just Quote Me we offer specialist guidance and insurance cover for businesses in the e-cigarette and vaping sector. Our e-cigarette insurance advice can help ensure you have exactly the right level of cover for your business. E-cigarettes are a new technology and the industry is still relatively young. While there is some regulation in place, things may change further and you should protect your business against all potential outcomes. Quality e-cigarette insurance may be specifically for your shop, factory or laboratory. However, there is also e-cigarette product liability insurance, which may be particularly important after the new legislation.
In such a new area of business it is particularly important to protect yourself and your company. Just Quote Me can help you get the right level of e-cigarette insurance for your business.
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by jqm | Mar 28, 2017 | Small Business Insurance, Small Business Insurance Quote
The process of getting your insurance setup or making a renewal is not something everybody enjoys so why spend time over it? It is surely possible to visit an insurance site and purchase the first premium you come across, but it is always recommended you compare small business quotes. Spending time to compare the options available to you may take a little more time but you’ll reap the rewards.
Benefits of Small Business Insurance Comparison
Taking the extra time involved to compare small business quotes can deliver many benefits. Some are instant, speeding up the buying process. Others are most long-lasting and can have a long-term impact; The benefits include:
Cash Saving
It is very unlikely that the first insurance quote you come across is going to be the most cost effective. It is definitely possible but it is unlikely. This is why spending a little time comparing quotes allows you to make a judgement about the best price for your circumstances. You can find the best option for your business quickly and efficiently.
Avoid Single-Insurer Affiliation
You will find sites which have a single insurance sponsor or affiliate. While they offer a range of quote options, you’ll see their affiliated company at the top of the list time and again. Independent brokerages focus on finding the best deal for you. This is instead of ensuring their partners get as many new people signed up as possible.
Multiple Options in Minutes
The speed small business insurance quotes are generated means you won’t have to wait long. Often a single form is enough to provide a wide range of quotes. From there you can begin to make the all-important decision.
At Just Quote Me we employ experienced insurance experts who can help you make the decision between quotes if you’re not sure which is the best option. We work with small businesses in a wide range of sectors. This means we are ready to work with businesses in every sector. Request a call back today to get the ball rolling.
To compare Small Business Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
