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.
by jqm | Jun 14, 2018 | Personal Insurance
Personal possessions can be the most valuable thing for many people and the idea of losing or damaging a treasured item can even be traumatic. When at home, most of our personal belongings are protected by home contents insurance but what about otherwise and what about specialist items?
Personal possessions or personal belongings insurance covers your personal items against loss, damage or theft outside the home. The items covered varies vastly from policy to policy but as we all carry much more expensive items, from smartphones to watches, than before, it is an increasingly important type of insurance to consider.
What does Personal Belongings Insurance Cover?
Policies for personal belongings insurance vary greatly but you can find policies covering all kinds of items from laptops to smartphones to tablets and cameras. Policies may cover your wallet, purse, keys, jewellery and even clothing. Some policies will also cover more specialist items such as bicycles, musical instruments and specialist equipment. The key thing with personal belongings insurance is making a true and accurate list of the possessions you want to be covered under the policy, otherwise you may not be able to make a claim.
Don’t forget to consider your excess
When you make a personal belongings insurance claim, there is usually an excess to pay. It is important to check this in advance. Make sure you find a quote which has an excess payment you are happy with. You may want a higher excess level because it can reduce the cost of your premium. Be aware the excess does need to be paid should a claim be made.
Personal Belongings Insurance Caveats
Not all items are covered by this kind of insurance. Crucially, you need to remember to include that itinerary of items for your insurer. This kind of insurance may not cover:
- Cash amounts of more than £500
- Very valuable items, usually in excess of £1000 – these may need individual policies of their own
- Expensive specialist equipment such as sports goods, especially if it is damaged during regular or intended use
Just Quote Me Personal Belongings Insurance Quotes
You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.
by jqm | Jun 7, 2018 | Cafe Insurance
As the summer season sets in, shops get busier and trade increases. As a sandwich shop owner, you need to be ready both for more custom and the risk this brings. Owners of shops of any kind, especially one serving food, you need adequate insurance in place. Sandwich shop insurance policies are tailored exactly to your needs and ensure you are protected financially against a range of unexpected eventualities.
Sandwich shop insurance takes into account that you deal with the public, may run a commercial kitchen with sharp utensils and equipment and also have employees. Insurance policies typically include:
- Public liability insurance
- Employers’ liability insurance
- Content and stock cover
- Goods in Transit cover
- Business interruption cover
There may be additional insurances you want to consider such as food hygiene ratings insurance and each policy will be tailored to the unique nature of your business.
Why do you need Sandwich Shop Insurance?
Most types of insurance are not a legal requirement. However, it is dangerous and risky to work without insurance in place. As a shop owner there are a range of financial risks you should mitigate against. From theft to electrical faults causing stock spoilage, footing the bill after an emergency is not something any business wants to do.
Protecting yourself from financial loss is the most sensible thing to do as a business looking to succeed and prosper. Only employers’ liability insurance is a legal requirement. The other types help guarantee your business financially should an unexpected accident, injury or event occur. It is worth remembering should a member of the public or third party make a claim against your business due to an accident or injury, there is the risk of both compensation payments and legal costs. Without insurance most small businesses find this kind of financial burden too hard to deal with.
Sandwich Shop Insurance Quotes with Just Quote Me
Just Quote Me is proud to be a business insurance specialist. We support and advise many businesses in their options for insurance, including sandwich shop owners. We appreciate the individual nature of all businesses and are ready and waiting to discuss your requirements and help find the right sandwich shop insurance quotes for you. Contact us today to begin your application.
by jqm | May 31, 2018 | Car Insurance
When you or your household has more than one vehicle, the costs can add up. This is why many insurers now offer multi vehicle insurance and multi car policies too. These allow you to package all your vehicle insurances together, often delivering a considerable saving. Insurers value you choosing to use them as your provider for all of your vehicles and you benefit from this in the form of your discount.
Multi vehicle insurance is not the cheapest or best option for everyone but for many it’s a great choice. Checking both individual and multi vehicle insurance policy prices is always recommended. This allows you to make the best decision for your circumstances.
Benefits of Multi Vehicle Insurance
Multi vehicle insurance policies usually last for a year. The cost can be paid annually or spread across the year, with the addition of interest added on. A discount is likely, if not always the case. There is also the added benefit of having all of your vehicles legally covered in a single policy. It removes the need to remember several dates for different renewals.
Multi vehicle policies can cover as few as two vehicles and most do have a maximum cap too. This is worth checking in advance, with most policies covering up to 5 vehicles. Be aware this isn’t the case for all providers.
Some policies will allow you to continue to “add” vehicle to your policy. However, when you look more closely these are new, independent insurance policies and therefore don’t come under the same umbrella as the multi vehicle insurance. It is very important to check in advance so you don’t end up paying more than is necessary for your needs.
Arranging your Multi Vehicle Insurance
Multi vehicle insurance may be especially valuable if you have different vehicles for different purposes. This may again change the nature of your policy. It is particularly important to speak to experts in insurance to get the best and most appropriate deal for your needs.
At Just Quote Me we have worked with individuals and businesses for many years, providing help with both business and personal vehicle insurance quotes and policies. You can contact us today to discuss your vehicle insurance needs.
by jqm | May 17, 2018 | Business Insurance, Business Insurance Blog
As a very specific type of business, recruitment agencies require specific and tailored insurance. Recruitment agency insurance is designed to cover the specific risks involved in this kind of business. As a specialist kind of insurance you can expect the insurance companies offering quotes to have in-depth knowledge of the particular risks facing the industry.
Recruitment agency insurance often needs to cover more than the risk of negligence claims that come as a result of accident of injury. We’ll look at this in more depth below.
Protecting your Advice and Guidance with Recruitment Agency Insurance
Professional indemnity insurance is one of the most important elements of a recruitment agency insurance policy. This type of cover will provide financial support should your business need to defend allegations of professional negligence. This could include things such as advice and guidance given when supporting clients into employment. It covers the cost of the damages should you be unsuccessful, as well as your legal costs.
Essential Cover for Recruitment Businesses
Recruitment agencies should also consider other types of insurance for their business. Cover such as public liability insurance is covered in almost all policies. You may also want to consider more specific covers such as directors’ insurance or office insurance, dependent on the size of the business.
Unless your recruitment agency operates independently with you as the only employee then you will need employers’ liability insurance to comply with UK law. Employers’ liability insurance is mandatory for all businesses which employee one person or more. It provides cover should an employee or former employee make a claim against your business for accident, injury or illness caused by their work for you.
Recruitment Agency Insurance with Just Quote Me
Professional and experienced, the Just Quote Me team works with businesses of all sizes, from all backgrounds. We help recruitment businesses find the right tailored insurance quotes for their needs and provide a range of options where possible, allowing business owners to make a considered decision. You can find out more and discuss your specific business needs with our team via our contact page.
by jqm | May 10, 2018 | B&B Insurance, Home Insurance
Many people in the UK have a second home or property used for holidays and breaks away from it all. As a home in its own right, many think standard home insurance is enough to protect their second property, but this often isn’t the case. Holiday homes require unique holiday home insurance cover, as there are caveats to second homes which differ from your main property.
Standard home insurance usually excludes properties which are empty for 30 days a year or more. In the case of holiday homes this is almost always true which is why specialist holiday home insurance is necessary.
Holiday Home Insurance Cover
Holiday home insurance should provide the same protection as regular home insurance. Buildings cover will protect you against the cost of repairs and rebuilding should it be damaged due to fire, storm, flooding and/or related subsidence. Holiday home insurance policies may also include:
- Emergency helpline and travel cover
- Personal possessions cover
- Contents cover
This is the case both abroad and in the UK. Be aware costs of premiums will vary dependent on the location of your holiday home.
It is important to look closely at policies as holiday home insurance often have exclusions. These include exclusions for properties which are on long-term let, have solar panels and those which have watercraft or boats within the boundaries of the home.
Holiday Letting Insurance
Things change for your holiday home if you let it out when not using it yourself. If you’re planning on letting your property then you’ll need further elements to your holiday home insurance. These include covers such as public liability protection, protection against loss of rent and accidental damage cover. You may also want additions such as alternative accommodation cover should an emergency situation occur and employer’s liability insurance if you employ people to work at the property such as cleaners, concierge or similar.
At Just Quote Me we work with many different property owners. We recognise holiday home insurance can be confusing for homeowners and we’re only too happy to help. Get in touch today to discuss your circumstances and cover options.
by jqm | Apr 26, 2018 | Farm Insurance
Even the most dedicated farmers will admit the industry has been on a downward curve, with diversification and other streams of income key to many farmers’ businesses now. However, the right insurance is absolutely key to protect your business, and specialist farm insurance should be arranged on an individual basis.
No two farms are even slightly the same which is why farm insurance is unique to you. We appreciate the modern outlook for the farming industry is very different to ten or twenty years ago and can help source and organise policies to reflect this.
What Does Farm Insurance Cover?
What do you need your farm insurance to cover? Tailored insurance to cover your working farm or smallholding can incorporate cover for your machinery, vehicles and buildings. Livestock farmers can also have specific elements relating to their animals including loss of strays, theft, transit issues, fire and even electrocution.
Multi-vehicle use is common on most farms, you may have a range of vehicles from cars to vans to tractors and agricultural vehicles. It is possible to group farm vehicles together under single insurance policies and there are options for trailer cover too. Equally, single vehicle policies are possible for smaller businesses. The beauty of a personalised farm insurance policy is that it can reflect your business’ size and grow or shrink as it does.
Diversification and Additional Cover
As mentioned many farms have had to diversify into new areas to maintain a solid income. This could mean allowing visitors, opening petting zoos, cafes and more. With additional streams of business come additional risks. You may need to consider cover such as public liability insurance when inviting guests onto your premises and tailored policies have your business’ specific risks in mind.
Farm Insurance with Just Quote Me
At Just Quote Me we can discuss your individual business needs in depth before looking at your options. We appreciate that every farm is unique and therefore your farm insurance policy may well be too. Get in touch today to discuss your business and its needs.
by jqm | Apr 19, 2018 | Business Insurance Blog, Cyber Liability Insurance
The new General Data Protection Regulation (GDPR) comes into effect on 25th May 2018 and it makes it more important than ever before that your business is compliant. What’s more, having the right data protection insurance in place is crucial too.
Cyber losses and crime cost the UK economy billions every year and data has become a key asset that criminals are desperate to get hold of. Your businesses data is one of its most important and valuable assets, but it also high risk if uninsured. The new European legislation sets out rules for keeping data secure but it also comes with higher financial penalties if you do not comply. GDPR covers both data privacy and data control and security and the right insurance can protect your financially should there be issues with your levels of compliance.
What does Data Protection Insurance cover?
Data protection insurance is extremely specialised. It covers (or attempts to cover) the many potential consequences of data leak, breach and hacks. It is similar to cyber liability insurance except applies only to data and data protection breaches.
Data Protection Insurance may cover:
- The cost of security damages due to the data breach
- Ransom and extortion cover
- The cost of fines and defence should you receive a penalty due to the breach
Each policy is unique and there may be specifics to your industry to take into consideration too. The main thing for most businesses to do is ensure they review that data protection protocol and strategies in line with the new European legislation.
Data Protection Insurance with Just Quote Me
Just Quote Me employ specialist insurance professionals who work with businesses of all background. We make it our businesses to have the latest information in all relevant business areas including regarding GDPR. Get in touch today to discuss your data protection insurance policy options with us.
by jqm | Apr 5, 2018 | Business Insurance, Home Insurance
If you’re the owner of a stately home, either as your private residence or for business purposes, then you’ll know just how special it is. Whether it’s a listed building or not, your stately home will require a special kind of insurance. All properties of this nature are unique and so each stately home insurance policy is unique too.
Specialist heritage insurance professionals look to provide state home insurance to suit properties of all types. An insurance policy will need to be designed for your specific requirements. At Just Quote Me we deal with property owners of all backgrounds with a wide range of different properties. Owning a stately home comes with many challenges and ensuring your insurance policy is sound shouldn’t be one.
Bespoke Stately Home Insurance
Your stately home needs unique cover to suit its particular background, history, estate and any additional elements. Some stately homes may have paddocks and additional out buildings for example, whereas others may not. Some may have thatched cottages or similar on their land while others won’t. The unique features of your property and its land will play a role in the bespoke stately home insurance policy created for you.
Stately home insurance can include the following types of cover:
- Buildings cover
- Contents cover
- Business interruption cover (should your property be used for business purposes)
- Legal expenses (as above)
It is even possible to get support and advice from specialists such as architects, fine art specialists and antique experts when assessing the level of cover needed for the property in question. The more information you can provide the better for getting a fully fitting insurance policy.
Stately Home Insurance with Just Quote Me
Our professional insurance advisors work with business owners as well as those looking for personal insurance all day, every day. Our experience allows us to help you find the right cover for your property, taking into account its unique features. Contact us today to arrange cover for your stately home.
by jqm | Mar 29, 2018 | Business Insurance Blog, Employers Liability Insurance
Running a modern business does come with a certain degree of admin but once you get it right, the hard work is over. Of course you need to review policies and procedures but once the initial task is complete, the process is much quicker. Employers’ liability insurance is one of those necessary requirements for almost all businesses.
If an individual within your team or on your payroll suffers accident, injury or illness which they blame your business for, they could make a claim for compensation. These claims can quickly become costly and without insurance, you face having to cover the costs yourself. For many businesses the financial impact is devastating, so employers’ liability insurance is a must.
Do I Need Employers Liability Insurance?
In almost all cases the answer is yes. If you have people working for your business on any basis then you must have employers’ liability insurance. It is a mandatory legal requirement in UK law for any business with employees.
This is the case whether you work in a hazardous injury such as farming or simply run an office. The requirement remains the same.
What will my Employers Liability Insurance Cover?
Employers’ liability insurance protects your business against the financial risks that come from accident or injury to employees. Your policy will cover the financial cost ensuring any claims do not impact on the capital in your business. If you are deemed liable for any compensation claim your insurance will cover the costs. This allows your employee or ex-employee to continue with their lives and should allow your business to run as usual.
Employers Liability Insurance with Just Quote Me
At Just Quote Me we employ only experienced insurance professionals. They can help talk through your employers’ liability quotes and ensure you have the right level of cover to suit the size, scale and risk factor of your business. Call us today to discuss your business needs.
