by jqm | Feb 20, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance provides cover for your business in the event of any third party claims being made against it, or yourself, for any negligence causing a member of the public to suffer from an injury or illness as a result. This type of insurance also provides your business with cover in the event of damage to any third party’s property.
This type of insurance also provides your business with cover in the event of damage to any third party’s property.
So, in effect, this type of cover protects your business if you were to find yourself in a situation that made your company liable to be sued in the courts. If you’ve arranged the right insurance then your company will have the cover that it needs to reduce its operational risk.
Unfortunately, most business owners often don’t have the time to fully understand public liability insurance and could therefore face paying exorbitant fees for damages should their policy prove to be insufficient for their financial needs. This is why it is important to contact the experts in this field to find out what is included and, just as importantly, what is excluded from any policies.
Why should I arrange Public Liability Insurance?
The most commonly arranged type of cover for small businesses is Public Liability Insurance. This type of protection is also just as important to medium and larger organisations too.
It’s not a legal requirement for businesses to have this cover, however it should be considered as an essential – particularly where members of the public may be interacting with your company. From clients visiting your office, shop or work premises to the potential of dangers at shows and exhibitions, it’s not something that your company should be without.
If you operate from home you may think that you are safe but think again, even home-based businesses need to consider this cover if their home office is ever used as a meeting place for members of the public to attend.
What does Public Liability Insurance cover?
You need this cover, for instance, if you damage third party property when you are carrying out your work, which makes it eminently sensible protection for tradesmen. It is a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
It’s a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.
At the time that you are arranging your Public Liability Insurance cover, make sure that you tell your insurer the type of business that you operate. This will more easily help you come to an agreement regarding the right type of policy that is best suited to you and your company. Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million which may surprise many!
Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1 million to over £10 million, depending on your circumstances and potential exposure. You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million.
Many small business owners tend to think that they are safe simply because they are small! This is not the case at all, without public liability insurance you could lose your income so tread carefully. Just a simple thing like a slip-up over a loose cable, a spilt cup of tea or injury caused by broken glass or door slamming shut in the wind could put paid to your business plans if you are uninsured.
Compare the different policies online
Comparison websites, like Just Quote Me, provide you with the ability to compare various policies and save money whilst, at the same time, allowing you to transparently compare the often vastly different insurance options available to you.
Just enter your details into our simple application form and you will be able to start comparing policies straight away.
In this way you will quickly and easily find the Public Liability Insurance policy and cover that suits your needs most. We are always happy to help so, if you have any questions, then please call to speak with one of our experienced UK based consultants.
To Compare Public Liability Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 17, 2017 | Builders Insurance, Just Quote Me, Restaurant Insurance
The pop-up sector is booming and pop-up restaurants are all the rage. They are a great way for new businesses to create interest around their food. Just because a pop-up is housed in a temporary premises does not mean it is exempt from insurance. Pop-up restaurant insurance is essential for the successful and compliant running of a business. Many pop-ups only operate for a few weeks or months but they still need proper insurance cover.
The UK pop-up sector is truly on the up A 2015 report put its value to the economy at £2.3bn and this is bound to have increased. Choosing to test your food concept with a pop-up is a great way to get a feel for how people react to it. As a prudent business owner, you should provide adequate protection for your business and its patrons, with pop-up restaurant insurance.
Where can I find a specialised Pop-Up Restaurant Insurance Policy?
Specialised options for pop-up restaurant insurance are not common. Insurers prefer to work on a case-by-case basis. Each pop-up can present a unique insurance challenge. This is due to a range of factors from their short-term nature to their size to their location. They may or may not employ staff, they may hold high value stock or they may have other related risks and this makes them difficult to insure with an ‘off the shelf’ solution. It probably seems like securing adequate cover for a pop-up is difficult. This doesn’t have to be the case with the right professional guidance and that is exactly what we offer.
At Just Quote Me we work with businesses of all shapes and sizes, including pop-up restaurant owners. Our expert staff can work with you to ensure you secure all the cover you need. A pop-up restaurant may need employers’ liability insurance, public liability insurance and additional covers specific to their operations. Pop-up owners must prepare and protect their business against potential risks to avoid the risk of financial damage, and loss of reputation.
Just Quote Me pop-up restaurant insurance takes into account the individual requirements of each business. Furthermore, we make sure to arrange the cover you need, tailored to your business. Get in touch today to discuss your new venture.
To Compare Pop-up Restaurant Insurance Quotes Online:
Go to our online Quote System or call us for FREE on 0800 084 2325
Image: “The Secret Garden Dublin – A Pop Up Restaurant in Meeting House Square” by informatique used under CC BY 2.0
by jqm | Feb 13, 2017 | Insurance Online, Insurance Quote Online
The best-rated food businesses can benefit from a discount on food hygiene ratings insurance quotes at Just Quote Me. We’re offering all businesses with over three ratings for food hygiene a discount off their business insurance premium.
The food hygiene rating your business has is closely linked to its reputation. Picking up a single bad rating can damage your business’ chance of repeat custom. All businesses that sell food, from restaurants to pubs and cafes to hotels and even food shops, need a good reputation. Without this they cannot effectively trade and sell food.
The Food Hygiene Rating Scheme (FHRS) in England, Northern Ireland and Wales helps customers choose where to eat and where to shop for food with information about the hygiene standards they keep. Customers can make an informed decision on their next purchase or their next meal out. As a business in the food sector you want to be recognised for the right reasons and with good ratings you’ll attract a better standard of customer.
Get your Food Hygiene Ratings Insurance Discount Today
Food hygiene ratings in England, Northern Ireland and Wales go on a scale from zero to five. Five is the highest score you can get with zero the lowest. Food safety officers determine the food hygiene rating on three standards:
- Hygienic handling of food including preparation, cooking, reheating, cooling and storing
- Condition of the building: how clean is the building? They will check lay out, ventilation and lighting.
- Management and records: how the does the business manage and record food temperatures
Every food safety inspection will cover these areas. At the end, the food safety officer will give the owner or manager of the business a rating on the 0-5 scale. Finally, they will also make recommendations on how to improve and ensure a higher rating is possible next time.
All businesses awarded three ratings or higher can enjoy a 10% discount on their Food Hygiene Ratings Insurance with Just Quote Me. Simply mention JQM10 to the team member you speak to when getting your quote. Remember, we’ll need to see a copy of your ratings certificate to guarantee your discount.
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Public Liability Insurance
Compare Public Liability Insurance
Have you recently started a new business in Staffordshire or the West Midlands? Then you’ll need to ensure that you invest in Public Liability Insurance.
This type of insurance is essential, as it covers your business in the event that a customer or member of the public suffers loss or injury as a result of your business activities and made a claim for compensation.
The insurance would cover the compensation as well as any legal expenses. The world of insurance can be a confusing one – especially for those starting a business for the first time. Insurance is unlikely to be your number one priority when you begin trading, however, it’s not something you can ignore for too long.
Many people get quotes for Public Liability Insurance online through Just Quote Me. This established Staffs company provides bespoke business insurance quotes to meet your needs.
Tailored Business Insurance
Every business is unique and that’s why business insurance should never be sold on a ‘one size fits all’ basis. Just Quote Me has been in the business of insurance for many years and understands the need for tailored business insurance policies that are designed to fit a company’s specific needs.
All too often, businesses purchase generic insurance only to find that they’re left without cover when they need it the most.
To Compare Public Liability Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Small Business Insurance, Small Business Insurance Quote
Are you a small business in need of insurance?
Just Quote Me has been providing bespoke small business insurance quotes to businesses throughout the UK for over 30 years, So when you’re looking for insurance that provides you with the cover that you need, look no further than Just Quote Me.
Whether you’re an established business or a new start-up, it’s so important to invest in to right business insurance policy, that meets your specific needs.
Many small business insurance owners feel that their business insurance is an expense that they simply can’t afford or that it is a luxury reserved for more established companies.
This is couldn’t be further from the truth. However long your business has been in existence, business insurance is something that you simply can’t do without and should be incorporated into your budget.
What’s more, when you purchase cover through Just Quote Me, you won’t find yourself paying over the odds. Just Quote Me works with many of the UK’s leading insurers in order to provide you with access to the most affordable insurance to suit your needs.
Whatever your trade or profession contact us today to obtain a fantastic quote.
To Compare Small Business Insurance Quotes:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance, Business Insurance Staffordshire, Business Insurance UK, Local Business Insurance News
Compare Business Insurance in Staffs
When you start your own business in Stafford or elsewhere in the UK, insurance probably won’t be the first thing you think about.
Chances are you’ll be more focussed on trying to make a living from your new venture. However, whilst it might not be at the top of your list of priorities, it should certainly be an important consideration. Business insurance can provide the peace of mind of knowing that your business is protected at all times. To find a business insurance policy that tailored to your business’s distinct needs contact Just Quote Me.
The Right Policy for your Business
Don’t make the mistake of purchasing a “one size fits all” insurance policy.
All businesses are different and possess distinct needs that must be catered for. All too often, business insurance policies are generic and fail to provide adequate for businesses they’re meant protect. When you acquire a business insurance quote from Just Quote Me – the UK’s premier business insurance comparison website – you can rest-assured that your policy will be unique to you and will tick all the boxes that you need it to. Whether you’re in Staffordshire or the West Midlands, contact Just Quote Me today to get a quote.
To Compare Business Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 10, 2017 | Business Insurance Blog, Public Liability Insurance
Compare Public Liability Insurance
Today’s Public liability insurance is cover suitable for businesses or organisations that need protecting from third party claims that may be made against them by the public.
If a business has caused a member of the public to suffer in any way then it is possible that a claim could be made.
Most business owners may not have the time to worry about or understand public liability insurance. They may be paying for cover that they do not even understand. This means that may have insufficient or inappropriate cover for their individual requirements.
If in any doubt responsible business owners should contact specialist providers in this field, such as JQM, to find out what is included and what is excluded from their public liability protection.
What does public liability insurance protect?
If you damage any third party property, when you are working, then you are liable to pay to repair those damages. This makes this insurance eminently suitable protection for tradesmen such as carpenters, plumbers, plasterers and tilers. Others that could benefit from protection include Kitchen and Bathroom fitters, roofers, builders, electricians or gas engineers working on client’s property.
Working out the level of cover required
When arranging such cover, your insurer needs to work out the level of financial cover that is required for you.
This could range from £1million to £10 million or more, depending on your job and the value of any financial losses that could occur as a result of your work.
Public Liability Cover for contracts in the public sector
For some contracts, especially in the public sector, there will often be a minimum level of financial cover required. Your public liability insurance would therefore need to meet the required level of cover in order for you to work on such contracts. In this day and age £5 million is a fairly standard amount of cover for council and local authority work.
It is often the simple issues that crop up in life that can catch many companies out. Imagine operating a window cleaning company with the contract to clean the glass on a skyscraper such as the shard skyscraper in London – it’s a long way down from the top if anything goes wrong!
You should compare different public liability insurance policies online
If you use insurance comparison websites such as JustQuoteMe, you will be able to more easily compare various policies together side by side. Bear in mind that the public liability insurance cost is not the only consideration!
It is the small print that you need to check as all policies will be different to an extent, some more than others!
It is best to come up with a short-list of the policies that you have selected based on your own set of criteria. Once you have entered your information you will be presented with the various options or, if you prefer, can request a phone call allowing you to decide if the cover is what you are looking for.
Apply online for a public liability insurance quote!
Insurance comparison websites are great because they allow you to compare the various different policies available in the market together. Once you have entered your details into one you should be able to start comparing policies straight away saving time, money and trouble.
We hope that this has helped to show you the real benefits of getting your own insurance quote comparison online. If you would like to talk to an insurance professional then we are happy to help so, if you have any questions, then please call to speak with one of our experienced and UK based consultants right away.
To Compare Public Liability Insurance Quotes Online:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 8, 2017 | Business Insurance, Business Insurance Blog, Business Insurance UK, Local Business Insurance News, Professional Indemnity Insurance
Professional indemnity insurance is a special form of business insurance cover you may find to be completely invaluable. It is a good idea if your firm provides professional advice, help and expertise for other businesses. This applies too for individuals providing such a service.
PI insurance is also known as indemnity cover and can protect you should a client believe you have been negligent costing them financially or in time lost.
Do you need indemnity insurance?
A good question but if you offer a professional service which involves advice or handling data or intellectual property that belongs to a client/business then you could benefit from taking out such indemnity insurance cover.
Should you be subject to a claim, without PI insurance cover, then you could find that you have to pay out the sort of amounts of money that could destroy any business in the worst case.
What protection does professional indemnity insurance provide?
Professional indemnity insurance is will cover compensation to a claimant, including things such as loss of earnings, future loss of earnings and even the cost of repairing any damage caused to personal property such as clothes, laptops, briefcases and documents.
You should look for cover against any potential damages that could be awarded to any claimant, including legal costs which can easily rack up to large amounts of money. You may also need cover for the claimant’s legal costs should you be found to be at fault, again, these can amount to a tidy sum!
Before you do take out professional indemnity insurance cover, make sure that what you were hoping to be covered under the policy is actually included as cover can differ!
Check out all of the terms and conditions thoroughly. Identify any areas where you or your organisation could be especially vulnerable to any claim.
Helpful further information
The actual level of insurance cover that you need will depend on your businesses activities and the potential risk that is attached to them. These can vary widely which is why companies such as us can help with the nitty gritty details.
Small businesses need to consider protecting themselves with this cover, especially young start-up business, with no cash-flow or financial resources to fall back on.
The actual types of risks that your organisation could be exposed to include, but are not just limited to the following:
Intellectual property disputes
Dishonesty
Loss of money
Loss of documents or data
Negligence
Confidentiality breaches
Defamation
Copyright breaches
Loss of documents
Loss of IP rights
Think carefully about your level of acceptable risk before making any quick decisions.
by jqm | Feb 7, 2017 | Business Insurance, Business Insurance UK, Landlord Insurance, Local Business Insurance News
Landlord Insurance
Landlords have a touch enough job as it is, often holding down a nine to five career whilst, at the same time, doing their best to keep on top of their sometimes unruly tenants!
The last thing that any owner letting property needs is to have a problem with one of their properties that then requires expensive repairs or other remediation works.
This would only be made worse for them if they thought they had insurance in place to cover the risk but then found out that, due to a policy exclusion or similar wording, they were not covered!
It can be an expensive lesson to learn for some property owners!
Such a situation can be a hard and expensive lesson to learn for some Landlords so, to help them avoid an unsuccessful insurance claim in the future, we thought it would be prudent to share the major issues we know of, that may result in such a claim being denied!
So then, without further ado, here are our top five reasons that result in Landlords Insurance Claims not being settled.
- Your tenant sublets your property
In the case where your property is sub-let by your primary tenant renting out accommodation to sub-tenants your landlord insurance could be void. This means that you would not be covered if you were to make an insurance claim.
This means effectively that, in this type of case, even though you have been accepted for cover, the policy exclusions will mean that you are still not covered by your insurance provider.
- You have an unoccupied property
Another policy exclusion would be one that has a clause stating, for instance, that you are not covered if your property remains unoccupied for more than 45 days. This period of time can of course vary depending on the provider. If you have gaps between your properties tenancies due to your tenant not being able to move in for a month or two then you need to consider this important factor carefully.
- You have an unusual property
You will often find that when you first sign-up to purchase a policy, that you will often have to agree that your rental property is of standard construction. This refers to the fact that normally, it would be constructed from brick or stone walls under a standard tiled or slate roof.
In those unusual cases where you have a property that was built with a timber frame, pre-fabricated sections, or perhaps has a concrete construction, then you may not be able to agree to such a clause.
You must tread carefully because, should you not have a standard type of construction that you have already agreed to, then you will not be covered. Honesty is always the best policy when it comes to arranging cover.
- Be careful if you are performing major renovation work
Some insurance policies will have a limit on the amount of renovation work that you can perform whilst still maintaining your policy cover. Reputable companies policies will, for instance, cover a property that’s undergoing renovation work up to say a total of £250,000. Some may be higher than this figure and some may be lower, always be sure to check the small print to see what it includes and excludes.
- Do you let a flat-roofed property?
When you are arranging your cover, you may be asked if a certain amount, or percentage, of your roof, is flat. This can be a problem when obtaining insurance, particularly for those properties with a completely flat roof.
The other thing to bear in mind is that some roofs will have varying types of construction. If in any doubt you should discuss these matters with your insurance provider to help mitigate your own risk.
Make sure that you have got it all covered!
It is, as we said before, important to be as honest as possible disclosing anything that you think is pertinent to your cover policy. If you do not do this, this is when you may have trouble when you need to be getting a claim paid out.
We are always ready here at Just Quote Me, on hand to answer any of your Landlords Insurance related questions.
Compare Landlord Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Feb 7, 2017 | Business Insurance, Business Insurance UK, Local Business Insurance News, Office Insurance
Are you looking for Office Insurance Quote Online?
As a business, your office will be one of your most important assets. This makes it vital that it’s properly protected.
Tailored office insurance can ensure that you’re covered in the event that something should happen to it i.e. a break in or a fire. Having the right insurance in place means that you can get back to work as soon as possible.
Most business owners know that they need office insurance but many are unsure about how to go about obtaining the right cover to meet their needs. A good idea is to get a quote from Stafford company Just Quote Me – the UK’s premier insurance comparison website for businesses in Staffordshire and the West Midlands.
Quick, Quality Cover Starting a new business can be exciting, however, it’s important to remember to purchase office insurance before you begin trading.
To get an Office Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
