by jqm | Mar 23, 2017 | Business Insurance, Small Business Insurance, Small Business Insurance Quote
The most common way of finding commercial insurance quotes, or in fact all insurance quotes, is to use the internet. Commercial insurance quotes online are often easily accessible and there are a range of ways you can explore the different options open to you. Opting to use the web rather than other methods is speedy, efficient and you can have your insurance setup very quickly.
Commercial insurance brings together a suite of different premiums and products which are essential for commercial business owners.
What is included in Commercial Insurance?
Commercial insurance can be made up of a range of different things. In most instances it will at least include:
These policies cover your business in a range of different situations. They ensure cover for your legal expenses in the event of a claim, as well as any compensation or damages you may have to pay.
Commercial Insurance Quotes Online
Dependent on the type of business you run, you may need to select different types of policy as part of your commercial insurance. If you are not sure, you can contact the insurance experts at Just Quote Me. We work with businesses and commercial enterprises of all sizes. We can help advise which kinds of policy you need and what products are particularly important for your business.
It doesn’t matter how large or small your business is, a compensation claim can be costly. It can be enough to several damage your business’ capital and in some instances, can lead to businesses closing down. By making sure you have the appropriate commercial insurance cover you are protecting your business against this financial risk.
Different insurers understandably offer different packages and prices which is why you should explore a range of commercial insurance quotes online. If you need any guidance in making the right decision, you can contact Just Quote Me.
To compare Commercial Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Mar 22, 2017 | Business Insurance, Gym and Health Club Insurance
The total market value of the gym and fitness industry in the UK is far in excess of £4.4 billion, based on recent research, and running one of these establishments means you need adequate gym and health club insurance. You could invest in standard, non-tailored business insurance but will it protect your company and your patrons adequately? This answer is usually no.
Comprehensive Gym and Health Club Insurance
Some of the risks involved in running a gym are immediately obvious. The machinery, equipment and heavy weights are naturally a risk, even with expert users as members. No machinery is faultless and there is always the risk of accident and injury so it is essential you have comprehensive gym and health club insurance. Some health clubs also offer treatments, spa therapies and more and if someone were to have an adverse reaction to one of these and make a claim against you, would you be prepared? Would you be able to cover the bill? Gym and health club insurance is a protection against these situations and helps to ensure that should the worst happen; your business can cope financially.
Gym and health club insurance can also cover many standard insurance areas. It could include areas such as buildings insurance, contents insurance and employer’s liability insurance. Your requirements will be individual to your business but we can talk through the needs and some things are common sense, such as the legal requirement to have employer’s liability insurance. The specific services and packages offered by your individual gym or health club will influence the types of cover you need. Our expert insurance specialists are more than happy to talk through your needs with you, discussing all of your options.
Gym and Health Club Insurance with Just Quote Me
The insurance experts at Just Quote Me can help you find the right policy for your business. As an industry which is getting more popular, there is a real need to stand out from the crowd. Properly protecting your business is an essential for any professional fitness company.
To compare Gym and Health Club Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Mar 15, 2017 | Business Insurance, Business Insurance Blog, Business Insurance UK
Bingo has been a popular past time in Britain for many years. While many players have now enjoy the game online, bingo halls still draw in many players every week. Even during economic crises, bingo has remained popular and anyone running a bingo hall has many considerations to keep in mind. With regulatory guidelines, licensing laws and more, it is essential you have bingo hall insurance to protect your business.
What does Bingo Hall Insurance cover?
There are many different aspects you may want to consider for your bingo hall insurance. At Just Quote Me we specialise in providing businesses of all types and sizes. We can help you decide what cover you need for your bingo hall. In addition to some essentials such as buildings insurance and potentially content insurance, you need to consider public liability and employer’s liability insurance. Employer’s liability insurance is a legal requirement for all companies with a single employee or more. Public liability insurance is also a smart choice for most businesses. It ensures you have protection should a third party, such as a customer, make a claim against you after an accident, injury or damage to their property.
Bingo hall insurance can also protect you against unfortunate events such as vandalism or theft of property. Modern bingo halls often have TV screens and other interactive equipment for the benefit of their patrons. This puts them at a higher risk of burglary.
Just Quote Me Bingo Hall Insurance
At Just Quote Me we appreciate and understand the individual risks and problems faced by bingo hall owners. We can help put together a business hall insurance package covering the requirements of your premises and business activities. We will make sure your cover level both satisfies your needs and is at a price which suits your budget. Please get in touch with us today to discuss your business’ needs.
To Compare Bingo Hall Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Mar 13, 2017 | Builders Insurance, Business Insurance Blog
Do you want to become an appointed representative? Do you know what it means for your business or whether it is a good idea for your company? Deciding to become an appointment representative has its benefits but it is important to understand the process before making any final decisions.
What is an Appointed Representative?
An appointed representative is an individual or it can also be a firm which is allowed to undertake the sale of general insurance business, without direct Financial Services Authority authorisation. The company or individual is required to work with a Principal directly authorised by the Financial Services Authority.
What is the benefit of becoming an Appointed Representative?
The main advantages of the decision to become an appointed representative are time and money. The FSA authorisation process takes six months as a minimum. On top of that there is the requirement of creating a structured business plan, find agencies, put strategies in place and more. The whole process can in fact end up as many as 12 months or even more.
Furthermore, another key advantage of becoming an appointed representative is that you have protection of a principal. The principal takes on the full responsibility of ensuring your business’ compliance with Financial Services Authority regulations.
How to Became an Appointed Representative
To become an appointed representative, you need to:
- Decide which regulated activities (listed on the FCA website) and find a principal which works in that business area.
- Choose between becoming an appointed representative or what is known as an introducer appointed representative. There are fewer rules involved in an introducer appointed representative but the responsibilities are the same.
- Decide how many principals you want. This will usually depend on your business type and also the type of customers you have.
- Find out the contractors you need to put in place.
- Ensure your principals inform the FCA of your appointment so it is added to the register.
The process is relatively straightforward and there are real benefits to it. It is something you should consider at any stage in your business’ development. It is especially relevant to businesses looking to reach their next growth level.
by jqm | Feb 28, 2017 | Business Insurance, Business Insurance UK, Pub Insurance
Pub Insurance
Running a pub is a unique experience and it has its own set of challenges. There are many different considerations to keep in mind at any one time but a priority amongst them must be ensuring you have a good level of pub insurance. Specialist pub insurance premiums will incorporate the tailored covers needed for your individual establishment. Different venues require different levels of cover and even different types of cover, which is why Just Quote Me is here to help to organise the right level of pub insurance for your site.
Although there are different requirements in every venue, the following kinds of pub insurance may make up part of your policy:
Public Liability Insurance for Pubs
You may need commercial property insurance as well as public liability insurance for your pub. However, public liability insurance protects your business should a third party or member of the public claim they were injured on your premises or because of it. It will also cover any claims made on the basis of your pub being responsible for damage to a third party’s property.
Employer’s Liability for Pubs
Almost every pub insurance policy will incorporate employer’s liability cover. Even if you only have one part-time staff member, employer’s liability insurance is a legal requirement. It covers you should an employee make a claim against you. This could be due to an accident or injury or damage to their property.
Additional Pub Insurance Cover
You may require temporary or short-term entertainment and events insurance cover throughout the year. This will depend on the types of activity that take place at your pub. If you have specific events and entertainment planned, discuss it before choosing a policy as you may need additional covers. You may also want to consider contents insurance for the fixtures, fittings, equipment and stock in your pub. Pub contents insurance should cover you against a range of risks including storm damage, malicious damage and theft.
Specialist pub insurance gives you peace of mind. It protects your pub so you can get on with the day to day graft of running it. At Just Quote Me we are ready and waiting to help, simply get in touch today.
To Compare Pub Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 23, 2017 | Builders Insurance, Restaurant Insurance
There are over 10,000 specialist fish and chip shops in the UK according to the National Federation of Fish Fryers. Every reputable business in this sector will have tailored fish and chip shop insurance in place. If you run a traditional English takeaway, a seaside café or other fish and chip restaurant then you need to have insurance in place to protect your business and customers. What should be covered by your fish and chip shop insurance though?
Compulsory and Optional Fish and Chip Shop Insurance
From a legal perspective, the only cover a fish and chip shop must have in place is employers’ liability insurance. If you employ a single person, casual worker or temporary staff member then it is your legal obligation to have this kind of fish and chip shop insurance in place. All other covers are optional but many of them are vital to the smart and prudent business owner.
Sensible business owners will make sure they have public liability insurance in place too. It protects your business against any claims made by third parties who allege they have an injury or damage to their property damaged because of your business. Most policies available offer cover from £1 million upwards, which ensures peace of mind should the worst happen. Other insurances you may want to consider include business equipment and other business cover offers. Contacting Just Quote Me will allow us to find the best fish and chip shop insurance package for your business.
Fish and Chip Ship Insurance with Just Quote Me
Working with businesses in all sectors, has given the professional team at Just Quote Me experience in many niche areas. Our professional expertise allows us to offer a fair and honest appraisal of the insurance cover you may need for your fish and chip business. Call us today to discuss your insurance requirements.
To Compare Fish & Chip Insurance Quote Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
Image accreditation:
By Mw12310 (Own work) [CC BY-SA 3.0], via Wikimedia Commons
by jqm | Feb 22, 2017 | Business Insurance, Commercial Insurance
Operating a commercial business requires you to pass many legislative barriers and insurance is often one of these. If you have employees you are legally required to have specific commercial insurance in place and if you are a prudent and responsible business owner, you will also want other insurances in place. You put a great deal of time and money into your business so why not protect it? Adequate commercial insurance cover helps to protect your business, its employees and customers.
As specialists in business and commercial insurance, we know exactly how to provide the right protection for your business. We also work to ensure the best level of cover for your requirements. Many businesses opt for Commercial Combined Business Insurance as this works a little like a ‘pick and mix’ as you select the relevant covers for your individual business needs.
Tailored Commercial Insurance with Just Quote Me
Commercial insurance policies need to be comprehensive and fully tailored to your business. Commercial combined insurance brings together a range of business insurances in a single policy, making it easier to manage and understand. It can include any number of different individual covers such as:
- Employers’ liability (a legal requirement if you have staff)
- Public liability
- Business interruption
- Product liability
- Legal expenses
- Goods in transit
- Material damage/theft
The insurances you need for your business are highly individual. It may be something you aren’t sure of without guidance and direct help. Our expert business and commercial insurance specialists can discuss your business operations, current setup and discuss potential covers you could need as part of your commercial insurance cover. Furthermore, our professional experiences speaks for itself. We work with a wide range of different businesses to ensure their commercial insurance fits their needs.
Meeting all the risks associated with the day to day running of your business should be a key priority. Commercial insurance adds a valuable layer of protection for your business. Similarly, appropriate insurance can also be key to winning more business. Many industry associations and even potential clients may expect a certain level of cover before they are willing to work with your business.
To Compare Commerical Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Landlord Insurance, Local Business Insurance News
Are you a landlord in need of landlords insurance?
If so then check out what is on offer from Just Quote Me today. Just Quote Me is one of the UK’s leading insurance comparison websites and as such it should be your first port of call when you’re looking to find landlords insurance that meets your specific needs.
All to often, landlords purchase generic insurance only to find that it doesn’t provide them with adequate cover when they need it most. If you’re a UK Landlord then visit Just Quote Me today.
When you’re looking to protect your property and your contents, landlords insurance is a necessity. It can cover you against financial losses associated with your rental property and can provide you with much needed peace mind when other people are living in your house or flat.
Our policies cover Buildings Insurance, Landlords Contents Insurance, Property Owners Liability as standard we can also cover rent guarantee, Employers Liability Insurance, cover for residential or commercial properties or a mixture of both, in fact any rental property can be covered via our fantastic quote systems!
Just Quote Me has been a leader in its field for the past 30 years and as such it has built up a robust customer base that continues to grow and expand. To get an instant quote for landlords insurance, simply input your information on the form on the website or call 0800 084 2325 to speak to one of the team.
To Compare Landlord Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Are you a start-up looking to compare public liability insurance for the very first time?
Then it’s important to research your options before jumping in and buying the first policy that you find. Business insurance needs to be tailored to your unique business needs in order to ensure that it’s valid in the event that you need to make a claim.
Far too often, business insurance does not offer the right level of cover for the business in question and this can lead to problems in the event of a claim.
A good idea is to obtain a quote from Staffs company Just Quote Me. The team have 30 years industry knowledge and are best-placed to help you obtain the most relevant insurance policy for your business in Staffordshire or the West Midlands.
Take Back Control
You might assume that all businesses working in the insurance industry are out to ensure that you pay as much as possible for your policy. However, as soon as you get in touch with the team at Just Quote Me you’ll quickly realise that this isn’t the case.
Just Quote Me works hard to present you with quotes for policies that are ideally suited to your business. When you do business with Just Quote Me you can find affordable cover that’s within your budget, without compromising on the level of cover that you need.
To Compare Public Liability Insurance in the West Midlands:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Office Insurance
Have you just started running a new business in Stafford?
Then you’re probably pretty excited right now. The early days of running a business can be thrilling and of course your number one priority will be making money and ensuring that your venture is a thriving success.
However, it’s vital that you insure your office so that it is protected in the event that something goes wrong. Should your office be flooded or be damaged by fire for instance, the right office insurance policy can ensure that you’re fully covered and that you can get back to work as soon as possible.
Choose the Right Office Insurance Policy
When you’re looking for office insurance for your business, don’t simply choose the first policy that you’re offered. All businesses are different and it’s important to select a policy that’s tailored to the unique needs of your business. The world of insurance can be confusing and so its a good idea to get advice from a leading insurance comparison – Just Quote Me.
The Just Quote Me team has over 30 years of industry experience and is best placed to advise you on your options when it comes to buying office insurance for your business. Whether you’re in Staffordshire or the West Midlands, find out more today.
To Compare Office Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
