by jqm | Aug 23, 2018 | Business Insurance, Insurance Online, Insurance Quote Online
Most renewable energy businesses are rural or a diversification of an original business such as a farm. This can mean you believe you are already adequately insured. However, the renewable energy sector has its own risks and therefore, many insurance providers now offer unique renewable energy insurance for your business in this area.
Renewable energy insurance premiums are tailormade and can cover a wide range of different types of energy and premises. Specialist property insurance is often a requirement. You will find insurance covers possible for many different structures and types of renewable energy including:
- Biomass and wood chip boiler systems
- Onshore and offshore wind turnbines
- Wave and tidal marine systems
- Hydroelectric plants and systems
- Hydrogen fuel cell developments
- Biogas and anaerobic digestion
- Solar energy plants and developments
These are among the most common kinds of renewable energy development which require insurance, but this list is not exhaustive. The renewable energy sector is growing rapidly. Therefore, being fully prepared and covered is key to ensuring business growth in the future, even if accidents and problem occur along the way.
What Does Renewable Energy Insurance cover?
Renewable energy insurance is highly varied due to the different types of energy and the structures involved. The insurance can be in place from before building begins and can incorporate many of the following:
- Construction and/or erection all risks cover
- Advanced loss of profits cover
- Delay in start-up cover
- Operational all risk cover
- Machinery breakdown cover
- Business interruption cover
You may also find renewable energy insurance cover which incorporates more typical business insurances needed by all companies. For example, it may be possible to build in public liability and employers’ liability insurance to a larger renewable energy insurance premium, dependent on the insurer.
Renewable Energy Insurance with Just Quote Me
Just Quote Me work with many progressive businesses in the renewable energy sector. Whatever types of energy you are producing we can help organise the right insurance cover. Contact us today to discuss your individual business needs.
by jqm | Aug 23, 2018 | Business Insurance, Business Insurance Blog
The recruitment sector is one where your knowledge and expertise is everything. Your clients work with you because they expect your industry knowledge and experience to help them either find the right employees for their business or help them in their career. Recruitment is a truly personal service and it is absolutely essential you have adequate protection should something go wrong. Whether an agency or a single consultant, recruitment insurance is vital.
What Kind of Cover is Needed in a Recruitment Insurance Policy?
Some of the insurance premium options available to recruitment professionals are optional but it is worth considering them all in depth. Your recruitment insurance policy could incorporate:
Professional indemnity insurance
Professional indemnity insurance is probably the most important type of cover in recruitment. It protects your business should you give faulty advice which leads to financial loss for a client. All businesses offering advice and guidance should consider this.
Public liability insurance
Public liability insurance protects you should a third party be injured, or their property damaged on your premises or due to your work. It is one of the most common types of business insurance. Almost all companies consider so they have a financial safeguard against claims from clients and other third parties.
Employers’ Liability Insurance
If you have employees, workers, casual staff or even temporary employees now and again then this insurance is mandatory. You legally must have an adequate level of cover in place to provide financial assistance should an employee claim they were injured or became ill due to their work for you.
Additional Covers
Some recruitment professionals may want to consider office insurance, so their equipment is protected against damage or theft. You may also want to look into cyber and data liability insurance. The risks of a cyber attack to your client data can be devastating.
Recruitment Insurance with Just Quote Me
Our experience with businesses from many different sectors guarantees we can help organise your recruitment insurance. Whether an individual or a large firm, Just Quote Me can help ensure you get the right level of insurance cover today.
by jqm | Aug 18, 2018 | Builders Insurance, Business Insurance, Business Insurance Price Comparison Site, Business Insurance UK, Small Business Insurance, Small Business Insurance Quote, Tradesman's Liability Insurance
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325
by jqm | Aug 16, 2018 | Builders Insurance, Business Insurance
Many people who work at height invest in specialist insurance, but it is possible to go even further with industrial rope access insurance. This is a very specific but extremely vital type of cover. It ensures those utilising industrial rope access themselves, for their employees or contractors, have the additional cover needed to protect themselves against the financial risks that come with claims of negligence.
What is Industrial Rope Access?
Those outside of the sector may be confused even by the term industrial rope access. The International Rope Access Trade Association (IRATA) define the system as a safe way of working at height where ropes and associated equipment are used to gain access to and from the work position, while also providing necessary support. Many Industrial Rope Access insurance policies are designed in line with IRATA guidelines. Some are exclusively for members of the association.
Industrial rope access insurance is suitable for individuals and businesses in many different sectors but is usually most applicable to those in the oil and gas energy, those working with petrochemicals, in civil engineering, construction or mining. People working in this sector already know how tricky it can be to get adequate insurance cover, because of the high risk involved, but at Just Quote Me we will work with you to organise the right insurance for your needs.
Industrial Rope Access Insurance Options
Many of the specialist providers of this niche insurance offer a range of options. Their cover may depend on the number of people requiring it. Some policies offer cover for single workers and others for much larger groups. It may also incorporate both employers’ and public liability insurance. This protects the business against claims made by both employees and third parties. The short-term nature of some contracts also means you may only be looking for a short-term policy. There are industrial rope access insurance providers who offer this too.
Contact Just Quote Me today to discuss your industrial rope access insurance options. We’re ready and waiting to talk through what’s available and help you find the best option for your needs.
by jqm | Aug 9, 2018 | Business Insurance, Business Insurance Blog
Solar panels are a much more common sight today than ten years ago. They are used across the UK in commercial and domestic property environments as well as on solar farms, premises dedicated to generating electricity through solar energy. Massed together solar panels can produce huge amounts of electricity and store it effectively. However, if you run one of these businesses it still needs protecting and specialist solar farm insurance offers this protection for your development.
Solar energy has become a key renewable energy source on a global scale. The UK government has committed to generating up to 12% of all power in the country by renewable sources by 2020 and this will include solar as a key player. As the owner or facilitator of solar panels and solar farming premises, you could play a key role in this so keeping your business safe financially is of even higher priority.
What does Solar Farm Insurance cover?
Solar farm insurance is very specific to the individual arrangement and setup of your farm or business but as standard it may include:
- Breakdown cover – should there be a breakdown in your panels functioning. This may also incorporate replacement fees.
- Loss of revenue cover – this provides financial cover should you lose revenue or agreed tariff levels due to damage or theft of panels
- All Risks Cover – this overreaching type of insurance protects your assets against fire, storm, theft, malicious damage and accidental damage
- Public Liability Insurance: to protect your business should it cause damage or injury to a third party of their property
- Employers’ liability insurance: essential if you have any staff at all working for you business. It protects you against accidents or injuries to staff members.
Solar Farm Insurance for Varied Projects
As well as offering solar farm insurance, there are options to insure other solar developments include school and local authority projects, domestic developments and much more. As solar power becomes more mainstream, so do the options for protecting businesses involved in the sector.
Contact Just Quote Me today to discuss your solar farm insurance options.
by jqm | Jul 26, 2018 | Business Insurance
Starting your own business and setting up as a limited company comes with a range of administrative requirements. While it can seem laborious, the time you put in to begin with saves you time and potentially money later. This is especially true of your limited company insurance. Without the right insurance in place you risk your business’ financial safety.
Here we’re looking at the types of cover you should have as a minimum when arranging your limited company insurance.
Employers’ Liability Insurance
In the UK, employers’ liability insurance is the only mandatory kind of cover, required by law. This is only the case if you employ others, but most businesses have at least one employee. As the director of a limited company your employees health and safety is your responsibility. If they should be injured or fall ill due to their work for you, they may choose to make a claim against your company. With employers’ liability insurance in place you have financial protection should the claim be successful, and it will also cover your legal fees.
Public Liability Insurance
Public liability insurance gives you a safeguard against claims made by third parties, such as clients or members of the public. It provides your business with cover against claims made for accidental injury or damage to property due to your business activities. It is almost invaluable if your business is people-facing and if you deal with the general public on any basis.
Professional Indemnity Insurance
Professional indemnity insurance covers the financial costs of defending a claim against your company. This type of claim will tend to be relating to advice you may have given which has led to problems for the client. It may also relate to mistakes made, loss of documents or data and issues such as copyright breach.
Limited Company Insurance with Just Quote Me
We work with many businesses helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you choice for your cover. Contact us today to look more closely at your small business insurance options
by jqm | Jul 12, 2018 | Business Insurance, Business Insurance Blog
Small business insurance is a valuable protection for your business. It helps to support your business financially in the event of claims for losses or damages. It can help keep businesses afloat or get them back up and running. Some insurance policies will provide cover when a business has to close unexpectedly and can be crucial in ensuring you don’t have to shut up shop permanently.
Some types of small business insurance may be mandatory dependent on your profession and also simply by law. Employer’s liability insurance, for example, is not an option if you have any employees and you legally must have this kind of policy in place. Other types of cover may be optional, but they can protect your business in the event of:
- Unexpected business interruption
- Damage to your property or stock
- Claims made by customers or other third parties
Do I need Specialist Small Business Insurance?
There are general business insurance policies on the market, but most insurers have moved on to provide more specific options for certain types of business. The small business insurance you need will obviously differ whether you run a café or a marketing business. Considerations such as your business premises are relevant and individual risk assessments are key to ascertaining the insurance you need.
You need to assess the risks that your business faces and choose the right insurance based on that. Small businesses that provide advice and professional expertise such as accountants will certainly want to consider professional indemnity insurance, whereas if you run your own small bakery, this is less important, but you will need to look at employer’s liability to abide with the law should you employ any staff.
Working from home does not mean you do not need small business insurance. You should still consider protecting your business and ensuring you have a safeguard in the event of unexpected events.
Small Business Insurance with Just Quote Me
We work with many businesses on a daily basis helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you a range of options. Contact us today to look more closely at your small business insurance options.
by jqm | Jul 5, 2018 | Business Insurance
The Office of National Statistics found 4.8 million people in the UK were self-employed in 2017. This is a growing section of the popular and many self-employed people don’t know the ins and outs of protecting and managing their business. Whether working from home or on dedicated premises, all individuals working for themselves should protect their businesses with self-employed insurance.
What Self-Employed Insurance do you need?
The insurance relevant for your business varies dependent on many factors. One of the most important things when arranging your self-employed insurance is understanding what types of cover you need.
Most self-employed businesspeople will require public liability insurance as standard. This helps provide financial protection should a third-party claim for accident, injury or property damage due to your business or work.
Self-employed insurance options may also include:
- Professional indemnity insurance: if you provide advice and guidance
- Commercial buildings and contents insurance: if you work from a separate premises than your home for business
- Business interruption insurance: should your business be interrupted for any reason, you can access financial support
- Office insurance: whether at home or on separate premises, you can get insurance to specifically cover your office equipment and specialist tools where needed
The Risks of No Insurance
Many self-employed people believe the small nature of their business means there could never be an issue requiring insurance. However, smaller businesses have less cashflow and therefore, should there be a problem, finding the funds to deal with it is much harder. This makes it even more important to have financial protection in the form of insurance. It is a safeguard for your business should you be faced with an unexpected event or claim.
Self-Employed Insurance with Just Quote Me
Working with businesses of all sizes, Just Quote Me can help you find the right insurance. We work with business owners to look at their individual requirements and can offer quotes from a range of insurance providers to suit your needs. Contact us today to find the right cover for your self-employed business.
by jqm | Jun 28, 2018 | Builders Insurance, Home Insurance
Home insurance is a significant investment which cannot be avoided. Your home is probably the most expensive thing you own and therefore it needs and deserves protecting. The right home insurance is entirely dependent on the type of property you live in and what you want to spend. Comparing the home insurance market helps to ensure you get the best value policy for your needs.
You will find great variation in what home insurance policies offer so taking the time to go through a proper comparison ensures the best product for your circumstances. You can compare home insurance with Just Quote Me with ease.
What is Home Insurance?
It probably seems like a very basic question but there are different elements to a home insurance policy.
Buildings Insurance
Buildings insurance is cover for the physical fabric or makeup of your home, including its fixtures and fittings. It protects this part of the home against disasters and events such as fire, storm and flood. Almost all mortgage providers will expect you to have buildings insurance before giving you approval.
Accidental damage and unforeseen emergencies are not usually covered by standard buildings insurance. You may need to look into home emergency cover as an addition to your regular policy.
Contents Insurance
Contents insurance refers to cover for your possessions within your home. The things you take with you when you move into a new property such as your furniture, kitchen appliances, home entertainment systems and similar. It will also cover valuables up to a stated limit.
As with buildings insurance, contents insurance varies from provider to provider. Not all people choose to have both policies together, but this is a common option. When you compare home insurance you can look at the best value way of getting both types of insurance.
Compare Home Insurance with Just Quote Me
Just Quote Me has provided guidance and quotes for home insurance to many people. We can help compare home insurance quotes to help you find the right one for your property. Get in touch today or fill out our callback form to hear from one of our advisers very soon.
by jqm | Jun 21, 2018 | Business Insurance Blog
People who work from home or run their own home businesses reap many benefits. The lure of working from your own space without interruption attracts many more people each year. Your commute is no more than a few steps and you can be working productively at hours of your choosing. Home businesses are still professional outfits and should be treated as such. This means considering the legal implications of your work and the financial impact they could have. Home business insurance is an investment all homeworkers should consider.
Do you really need Home Business Insurance?
Whether you run a company from home or are self-employed you are responsible for all the equipment you use for your business at home. Home business insurance can provide cover for your business equipment. If you work from home, you need to let your home and contents insurers know too as it can impact on that policy. This makes it even more essential you look at specialise home business insurance for your business’ assets.
Home Business Insurance Cover
Most home business insurance policies will offer cover for equipment loss and damage, but you may want to consider other elements too. When creating your policy you should be able to pick and choose the elements which best suit your business and this could incorporate:
- Public liability insurance: even if you work from home you might need cover should a member of the public claim against your home business for injury or damage.
- Employers’ liability insurance: some people who work from home take on employees. This means employers’ liability insurance is a legal requirement.
- Accidental damage cover: this allows for quick replacement of damaged equipment and may be necessary if you rely on particular equipment to work and fulfil client orders.
- Commercial car insurance: while your business is based at home you may travel to visit clients. Commercial car insurance is necessary in this instance.
At Just Quote Me we work with businesses of all shapes and sizes. This includes many self-employed people and those running businesses from home. Contact us today to discuss your insurance requirements.
