by jqm | Oct 30, 2018 | Insurance
With overseas holiday home insurance, you can relax and have peace of mind, even if you are not there. Holiday home insurance is vital to protect your building and contents, much like a normal home insurance policy. However, when you have a holiday home that is abroad, you need a specialist insurance policy.
Overseas holiday home insurance helps to protect you from the financial burden of property damage. It can also provide cover if your offer your holiday home for family use. Furthermore, you can find overseas holiday home insurance that covers your home if you let your property out to holidaymakers.
Why Do I Need Overseas Holiday Home Insurance?
When your holiday home is abroad, you need peace of mind that it will be protected, even if you aren’t in the same country. Overseas home insurance provides peace of mind as well as simplifying the process of insuring a home abroad. Furthermore, it gives you just as much protection as you give to your primary residence.
What Can I Include In Overseas Holiday Home Insurance?
You can tailor your overseas property insurance to suit your exact needs and requirements. Your policy may need to include certain products if you plan to rent out your home to holidaymakers. However, if your holiday home is just for your sole use, then you may not need cover for the loss of rent, for example. Some of the aspects that you may wish to add to your policy include;
- Loss of rent and alternative accommodation cover (should something happen when you rent the property out)
- Emergency travel expenses
- Public liability insurance
- Accidental damage for glass and sanitary ware
- Personal possessions while away from home.
Do you have questions about Overseas Holiday Home Insurance?
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by jqm | Oct 23, 2018 | Home Insurance, Insurance, Insurance Online, Insurance Quote Online, Landlord Insurance, Personal Insurance, Public Liability Insurance
If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.
A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.
Why Do I Need Holiday Home Insurance?
While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.
If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.
What Can I Include In Holiday Home Insurance?
Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;
- Contents insurance
- Emergency travel cover
- Personal possessions insurance (for items that you store outside of the home)
- 24-hour helpline.
All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.
Do you have questions about Holiday Home Insurance?
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by jqm | Oct 16, 2018 | Builders Insurance, Insurance, Insurance Quote Online
Every consultancy business is unique. Furthermore, every consultant operates differently. With this in mind, it is essential to have consultant insurance that is specifically tailored to the work you do. Content insurance not only protects you and your business, but it also protects your clients who rely on you. As you rely on your clients too, it is wise to protect both of you.
Content insurance can cover a range of policies. However, instead of having a range of different plans to keep track of, with consultant insurance you have one premium, one renewal date and one set of documents. You can be sure to have the specific coverage you need, with less of the hassle.
What’s Included In Consultant Insurance?
As each consultancy is different, policymakers will design consultant insurance to suit your individual needs. However common areas of coverage include;
Public liability insurance – This protects you if a client, supplier or member of the public suffers property damage or injury because of your business.
Professional indemnity insurance – This can protect you and your client if they suffer financial loss because of your work for them.
Business contents insurance – This covers your equipment and content should they be stolen or suffer damage. You can read more about business contents insurance here.
What To Check With Consultant Insurance
It is important to read your policy documents carefully and to amend any issues you see straight away. It is essential that your insurance provides adequate coverage, so make sure you know the full costs of items you are covering when you ask for a quote.
Finally, some businesses will ask that you have a specific level of professional indemnity insurance in place before you work with them. You are usually able to increase your cover throughout your policy for a small fee.
Do you have questions about Consultant Insurance?
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by jqm | Oct 9, 2018 | Business Insurance, Insurance
Whatever your business, you are likely to have a great deal of contents within your premises. This could be computer and technology equipment in offices, glassware and crockery in hotels and even office furniture for your home office. If the contents become stolen or damaged, without insurance in place, then it could affect the day to day running of your business. Furthermore, it could leave a significant dent in your business finance. With this in mind, business content insurance becomes vital.
What Is Business Content Insurance?
You can purchase business content insurance as a stand-alone product or as part of business insurance cover. Business content insurance is available to reimburse you for the cost of your business contents, such as stock, office and retail equipment in the event that it is stolen or damaged.
Having business content insurance in place helps to provide your business with the peace of mind that should anything happen, then your insurance can help you to continue trading.
Considerations For Business Content Insurance
One of the critical aspects of business content insurance is how to value your items. Some insurers will offer initial purchase price. However, others will cover replacement value. Depending on the contents your business has will determine which is the right offer for you.
Another consideration is to cover the total value of your contents. In some cases, you may find it is better to insure specific high-value items separately. This can help to make sure that they receive more security. Some high-value items may go up in value since you made your purchase, so you may want to replace like for like. For some items that may drop in value, the initial price may be more worthwhile to you.
Do you have questions about Business Content Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 25, 2018 | Insurance, Office Insurance, Online Business Insurance Quote
When running an office, you want to make sure you have a good comprehensive policy that covers all aspects of the office environment. When searching for office insurance quotes you’ll want to ensure all aspects of your business and office are included, so what should you look for with office insurance quotes?
What Is Office Insurance?
Office insurance will primarily cover three main aspects of your office and business as a whole. These include protecting;
- Your workforce, customers, visitors and third-party individuals
- Your office and equipment on the premises
- The outgoing costs of the business.
All of these will usually have protection with;
- Employer’s liability (a legal requirement if you employ staff)
- Public liability
- Buildings and contents insurance
- Business interruption insurance.
While these are the policies that are typically included in office insurance quotes, insurers understand that every office is different. Therefore, you can tailor a policy you need to suit your requirements and cover your specific risks.
What Should I Look For With Office Insurance Quotes?
As well as the main aspects of office insurance mentioned above, other optional cover options could include;
Legal Cover – To support with legal fees if you face legal action from a third-party individual.
All Risks – Can cover your laptop and mobile phone as business assets. Furthermore, you can include them to suit your travel needs such as UK-only or worldwide.
Professional Indemnity – If clients take legal action based on the advice you provide.
As well as looking for optional cover to cover all of the specific risks of the business, it is essential to check the costs of the policy and the excess, to make sure this is an amount you can reasonably cover.
Furthermore, you may be able to save money on office insurance quotes if you have multiple offices or are considered a relatively risk-free enterprise.
Do you have questions about Office Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form
by jqm | Sep 18, 2018 | Builders Insurance, Insurance
Building contractors face many risks in their jobs and sites can be hazardous. For all building contractors, it is essential to eliminate as many hazards as possible to reduce the risk of harm. While it is important to be as well-prepared and safe as possible, accidents and unforeseen events can happen. For these slip-ups and situations, it is vital to have building contractors insurance in place.
What Does Building Contractors Insurance Do?
Building contractors insurance helps to protect contractors from the risks associated with the site and work. A tailored insurance policy for your business needs will give you the financial protection and to cover the cost of issues that could potentially devastate your business. For building contractors, a single mistake could spell disaster, but with insurance in place, you know help is at hand.
What Does Building Contractors Insurance Include?
You can tailor building contractors insurance to suit the specific needs of your business. Typically, aspects of insurance for building contractors include;
Public Liability – Protect injuries or damage to third-parties as a result of your work or site. This can protect anyone who isn’t involved in your business but suffers damage, injury or loss as a result of it.
Employer’s Liability – This is a legal requirement for businesses who employ staff or contractors for a job. This provides cover in case a worker claims damages if they suffer injury or damage to property while working for you.
All Risks – All risks can protect your business if the job you are working on suffers damage before completion. As the name suggests, it covers all risks to a building contractor, such as theft and damage.
Personal Accident – This protects the business owner with regular income if they face an injury or are sick and cannot work. Typically, this only comes into force after seven days of illness or injury.
There are also many other aspects you can include in your cover such as legal expenses, professional indemnity and financial loss insurance.
Do you have questions about Building Contractors Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 11, 2018 | Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Insurance
Business insurance is essential for all firms, whether small or large. The insurance can help to protect you and your company for losses or damages that may occur. With budgets being tight, is essential for organisations to find cheap business insurance, that still gives the protection and coverage they need. So how can you find cheap business insurance to suit your business requirements?
What business insurance do I need?
Business insurance is often package insurance, explicitly designed for the needs of businesses. It usually covers three core elements; public liability, employer’s liability and professional indemnity. However, it is possible to find specific business insurance to suit your industry. It is also possible to tailor packages to ensure you have the protection you need.
Three main elements of business insurance:
Public liability: If your business damages the property of or causes an injury to a member of the public, then you may face a compensation claim. Insurance helps to protect your business and covers the cost of the claim.
Employer’s liability: This is a legal requirement for businesses who employ staff. The insurance covers to cost of compensation if an employee sues you because of injury, illness and damage as a result of work.
Professional indemnity: This covers you if a customer claims you haven’t fulfilled your duties, damaged their property, reputation or business.
How to find cheap business insurance
The best way to find cheap business insurance is to conduct a comparison search. At Just Quote Me, you can run an online search. This compares quotes from many insurance providers, from the big name brands to the smaller niche services, so we can be sure to find the right policy for you.
Just Quote Me make our comparison tool as user-friendly as possible. As well as finding the cheapest deals, you can also discover the best value for money deals and adapt quotes to suit your needs.
Do you have questions about business insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Sep 4, 2018 | Business Insurance, Business Insurance UK, Insurance
For any business, it is essential to have the right insurance coverage in place. Moreover, you want to make sure high-quality insurance coverages comes at the best possible price. With this in mind, it is vital for your business to compare business insurance quotes. So, what is the best way for you to compare business insurance quotes? Here we offer our guide on how to interpret the quotes you receive.
The best way to compare business insurance quotes
- Don’t focus solely on the premium
It can be tempting when you compare business insurance quotes to concentrate solely on the price you have to pay for insurance. However, it may sometimes be worthwhile spending a little bit more to receive a greater amount of coverage. Furthermore, you also need to check that the limits of cover are high enough to cover any client contracts you have or potential problems you face.
- Flexibility
As a business grows, you want to make sure that you always have the right insurance to cover your needs, plans and risks. While you do not want to buy new insurance every time there is a change in your business, it is wise to check the flexibility of the policy and the insurance provider. It is wise to ensure your limits have wiggle room in case your business grows. It is also worthwhile checking with the insurance provider to see how it would cost for you to update the policy if you need to.
- Talk to Just Quote Me
While our state-of-the-art comparison engine makes it easy to compare quotes at a glance, our insurance experts are always on hand to help. We will be able to explain any industry jargon to ensure you know the complexities of your policy. Furthermore, we can also assess your needs to make sure you have the right level of cover in place for your business activities and size.
Do you have questions about Business Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 28, 2018 | Business Insurance, Business Insurance UK, Business Liability Insurance, Public Liability Insurance
Public Liability Insurance
Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:
– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.
– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.
The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.
How are such public liability compensation claims made?
To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.
Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.
Let’s look at a public liability compensation claim:
The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.
Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open. Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.
There was no warning sign erected or protective barrier erected to ensure that the public were safe.
He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”
His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.
Do you have questions about Public Liability Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
by jqm | Aug 23, 2018 | Business Insurance, Small Business Insurance, Small Business Insurance Quote
Sandwich Shop Insurance Quote
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.
Do you have questions about Sandwich Shop Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
