by jqm | Jan 11, 2017 | Business Insurance, Business Insurance Blog, Professional Indemnity Insurance
A guide to Professional Indemnity Insurance
What exactly is Professional Indemnity Insurance? And do you need it?
Quite simply Professional Indemnity Insurance is a type of Insurance to cover any individual or company that provides a service or advice for a fee. In other words, if you have certificated a piece of equipment as an Electrical contractor and then the equipment causes a loss to the client then this would be a Professional indemnity claim.
Another example would be if, as a professional, you give advice to a company and they follow that advice that causes them a loss then they would be able to make a claim on your Professional Indemnity Insurance too!
More businesses should have this cover
Less than 25% of UK businesses that really should have PI insurance cover actually do so, why is this? Basically it is because either they, or their current insurance providers, don’t understand it. They have more than likely not identified that such an exposure exists within the business and have therefore not catered for it fully.
This is where we can help with our over 30 year’s relevant Insurance industry experience. We can offer not only a free quotation but also specialist advice on how to fully to protect you and or your companies exposure thereby providing you with Professional Indemnity cover that fully suits your requirements.
Why choose Professional Indemnity Insurance Cover?
Why should you purchase this cover if you already have Public and Products Liability cover you may well ask? Well, Public Liability Insurance will basically provide cover for injury etc. to the Public. Products Liability will, in essence, pick up any loss or damage to a third party should a Product that you have supplied fail or be faulty. These will pick up the tangible asset damage but what about the financial loss arising from any advice that you have given? This is where PI (Professional Indemnity) becomes a must have cover.
Do you design something for a professional fee, such as an architect would? If you do, and then, for instance, a builder or manufacturer goes on to build or make the product to your specification, what happens if the item or build isn’t correct and then, as a result, causes a loss to a third party? This again would be a Professional Indemnity claim against you and your insurers which you need to make sure that you, as a responsible business, have got covered.
We can help you with your Insurance questions!
If you are unsure of your real world exposure then please do get in touch with our experts now and, even if only for peace of mind, let us advise you correctly so that you can make a fully informed decision regarding your insurance requirements.
To get a FREE no obligation Professional Indemnity Insurance quote
Go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 5, 2017 | Business Insurance Blog, Landlord Insurance
Landlords Insurance is a different type of Insurance to standard Home Buildings and contents Insurance, standard Home Insurance policies do not cover many of the contingencies required by Landlords Insurance.
There are various specific unique insurance covers needed such as Property Owners Liability Insurance, this is cover for the Landlord or Property Owner. This will cover for injury to the general Public as part of the Landlords buildings Insurance. A common claim could be, for instance, where a loose roof tile comes off in a storm and hits either a third party person or third party’s property. In such a case it is then that Property Owners Liability Insurance, which is part of the covers JustQuoteMe Landlords Insurance provides, comes into its own.
How do you compare Landlords Insurance quotes and what does it cover?
First of all, compare the small print detail of the Landlords Insurance. Look at each individual section of the policy and compare your shortlisted policies side by side.
Another cover section that is unique to Landlords Insurance or Property Owners Insurance is that this type of Insurance cover helps with Loss Of Rent.
Quite often, during a major loss, the landlord or property owner can be left waiting to get repairs effected and will be in the hands of builders until the repair work is completed. It is one thing to rebuild the property, or repair property damage, but what about the loss of rental income during this period? Well this is where this cover section can prove to be invaluable for property owners and landlords. It means that any of our clients, with Landlords Insurance and Property Owners Insurance cover, can continue with their lives whilst the bricks and mortar are replaced!
And what about the all-important buildings sum insured amount you may ask? Well, what on earth do you, as a landlord seeking property owners insurance, set the sum insured to? Here is a bit of a tip regarding the buildings sum insured – it should be set for the cost of any potential rebuild and not the saleable value of the property!
Remember, a property in for instance London, may sell for ten times the value of a property in the North of the UK, but the rebuild cost is virtually the same. It is the same give or take the varying builders rates in different areas, so be careful when setting the building sum insured! Make sure that it covers just the rebuild cost. We would also always advise a contingency of, say 15%, on top of that figure for debris removal too. This is because the builders will have to clear the site before they can actually make a start and commence the rebuild!
Our Property Owners Insurance and Landlord Insurance Cover
Our unique Landlords Insurance can also accommodate ‘Landlords contents Insurance’. This is great if you provide, for instance, white goods or basic furniture which in the event of a total loss you would want repayment for. In this way, you can mitigate your risk as a property owner and this is another option we can incorporate for you.
Rent guarantee and Landlords legal expenses are another key area that a lot of providers forget to either advise on or can’t actually offer cover for. JustQuoteMe can offer both and, bear in mind, Rent Guarantee Insurance covers the Landlord for loss of rent subject to the tenant not paying the rent. This is known as an insured peril! If you have a large portfolio of property then this type of cover can prove to be invaluable. Finally, Landlords legal expenses covers you for legal disputes with Tenants etc. and assist both parties in, hopefully, coming to an amicable agreement.
Landlords and Property Owners Insurance cover can be a bit of a minefield but, with the right policy in place, you can rest easy with Just Quote Me!
To get a FREE no obligation Landlord Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 4, 2017 | Farm Insurance, Local Business Insurance News
Whatever your farm specialises in, it’s crucial that you have farmers insurance in place to cover you from financial loss in the unfortunate event of a claim.
Whether you keep livestock, grow crops and grains or even produce fuel, you need to purchase adequate insurance to protect your business should the worst happen. Many people purchase farmers insurance through Just Quote Me – one of the leading business insurance comparison websites in the UK.
The Right Policy To Suit Your Needs
It’s important to remember that one size doesn’t fit all in the world of business insurance. This is especially the case for farmers who often have very distinct business models.
The Just Quote Me team work with farmers throughout the UK to provide them with the right farmer insurance policy to suit their needs.
The company works in conjunction with Rural Insurance Group in order to access the right cover for its clients. Running a farm can be a tough job, so why not let the experienced team Just Quote Me take care of your insurance needs?
Whether you’re in Staffordshire or the West Midlands, the team are on hand to help you access the most suitable cover for your farm.
To get a FREE no obligation Farm Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Jan 3, 2017 | Business Insurance, Local Business Insurance News, Public Liability Insurance
Public Liability Insurance
Looking for a public liability insurance quote that’s tailored to your company’s unique requirements?
Then to organise your insurance policy quickly and without any hassle whatsoever get in touch with Just Quote Me based in Stafford.
The experienced team at Just Quote Me understand that every business is different and that insurance should reflect this. Whether your business is a pub, a restaurant, a shop or you’re a solicitor or an accountant in Staffordshire or the West Midlands contact us today to find a cheap insurance quote that works for you.
The Importance of Public Liability Insurance
Don’t make the mistake of assuming that Public Liability Insurance is a luxury that you do not need. On the contrary, both public liability insurance and employers liability insurance (if you employ one or more employees) are legal requirements.
To ensure that you’re staying on the right side of the law and that you are fully protected from any loss that might arise from a claim, buy Public Liability Insurance from Just Quote Me. The company has been a leader in its field for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.
To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Dec 13, 2016 | Local Business Insurance News, Motor Trade Insurance
Do you buy and sell cars from home? Or perhaps you’re multi site dealer franchise?
Either way, you’ll need to ensure that you have motor trade insurance that’s tailored to your unique requirements.
Many people in the motor industry purchase Motor Trade Road Risks insurance, which essentially enables you to drive any motor vehicle that you own or that’s in your custody or control. This kind of insurance covers you against loss of a vehicle that’s in your possession and which you have the keys for.
Find Affordable Cover Online
These days, many motor traders search for affordable cover online. One of the best insurance comparison websites is Just Quote Me and is renowned for providing a range of bespoke business insurance quotes.
The Just Quote Me team has over 30 years of experience in the world of insurance and therefore possesses the knowledge and contacts to help you find the right motor insurance policy for you.
When you buy insurance online you’ll be covered instantly and your policy documents will be sent to you via email.
To get a FREE no obligation Motor Trade Insurance quote go to our online Quote System or call us on 0800 084 2325.
by jqm | Dec 12, 2016 | Business Insurance Blog, Working At Height Insurance
Working At Height Insurance
If you are working at height then you will need an Insurance policy that can allow cover and Indemnity for various heights such as up to 15 metres or even a policy that offers an “Unlimited Height restriction” these policies can be provided by our expert insurance staff who quote for all different types of occupations who work at unusually high situations.
Just Quote Me can cover all aspects of height work including platform access, rope access, slings cradles, scaffolding platforms, in fact we can cover any modern day method of working at height insurance you can think of.
Some of our clients include safety Netting Installers, Scaffolders and Builders – in fact we cover many different professions that work at above normal heights, standard Insurance policies will cover 0-3 metres or 3-5 metres but bespoke policies are available at great prefixes from Just Quote Me.
With over 30 years experience our experts on on hand every day to give help and advice to anyone working above ground level including those who may use of heat.
Contact us to find out more about Working At Height Insurance:
Get a FREE Working At Height Insurance quote by filling out our Quick Quote form or by calling 0800 084 2325.
by jqm | Dec 5, 2016 | Construction Insurance, Local Business Insurance News
Construction insurance (often called builder’s risk insurance) protects against financial expenditure throughout the erection phase of a build.
It is different to homeowner’s insurance, which protects a property once it is occupied, as it protects the structure whilst it is being built. It also protects the materials that have been purchased for the structure from loss due to theft or damage due to fire, high winds or other factors.
Contact Just Quote Me for FREE on 0800 084 2325 for a great deal on construction insurance or use our Quick Quote form.
A Bespoke Insurance Policy
Just Quote Me has been in the business of insurance for 28 years and during this time it has helped hundreds of local and national businesses to find the right insurance policy to suit their specific needs.
The company believes in the importance of helping businesses to find bespoke insurance policies that are designed to meet their unique requirements. All too often, insurers provide standard policies that do not provide companies with the necessary cover when they need it most.
Contact Just Quote Me for FREE on 0800 084 2325 to find out more.
by jqm | Dec 1, 2016 | Landlord Insurance, Local Business Insurance News
Commercial Landlords Insurance UK | Expert Cover from JustQuoteMe Ltd
Protect Your Property Investment and Rental Income
Owning and renting out commercial property comes with unique risks. From tenant damage to fire, flood, and public liability claims, Commercial Landlords Insurance is essential to protect your property, income, and business interests.
At JustQuoteMe Ltd, we make it easy for UK commercial landlords to get comprehensive, affordable cover tailored to their needs.
What Is Commercial Landlords Insurance?
Commercial Landlords Insurance is a specialist policy for property owners who rent out premises to businesses. It goes beyond standard buildings cover, protecting you against the complex risks associated with commercial tenants.
A policy can include:
- Buildings Insurance – Covers damage from fire, flood, storms, vandalism, and structural issues
- Loss of Rent – If the property becomes uninhabitable due to an insured event
- Property Owner’s Liability – Protection against claims if someone is injured on your premises
- Legal Expenses – Covers disputes, evictions, and unpaid rent
- Contents Insurance – For items owned by the landlord
- Terrorism Cover – Optional but important in high-profile or urban locations
Who Needs Commercial Landlords Insurance?
If you rent out commercial premises, this insurance is a must. You may need cover for:
- Offices
- Retail shops
- Warehouses
- Industrial units
- Mixed-use buildings (commercial & residential)
- Restaurants or takeaways
Without appropriate insurance, one unexpected incident could result in serious financial loss.
Why Choose JustQuoteMe Ltd for Commercial Landlords Insurance?
At JustQuoteMe Ltd, we understand the complexities involved in commercial property ownership. Our experienced team compares policies from top UK insurers to find the right cover for you.
Why commercial landlords choose us:
✅ Tailored Policies – Cover designed around your property and tenants
✅ Quick, Free Quotes – Get a quote online or over the phone in minutes
✅ Competitive Premiums – We find the best value policies on the market
✅ Expert Advice – UK-based specialists who understand your business
✅ Multi-Property Cover Available – Ideal for landlords with portfolios
✅ Ongoing Claims Support – We’re here to help when you need it most
Whether you rent out a single shop or multiple commercial units, we’ll help you stay protected.
Get Your Commercial Landlords Insurance Quote Today
Secure your property and peace of mind today with help from JustQuoteMe Ltd.
📞 Call 0800 084 2325
📩 Or contact us for a fast quote
by jqm | Nov 30, 2016 | Just Quote Me, Local Business Insurance News, Office Insurance
Are you looking for Office Insurance?
Whether your office is based in your home, a surgery or an office block, it’s important to invest in bespoke office insurance.
It’s a great way to protect yourself, your staff, building contents and the premises. It has the potential to save you thousands of pounds and certainly isn’t something that should be ignored until a later date. Should a fire occur in your office, it would cost you a small fortune to return the building to its former state as well as replace everything in the office.
When you have office insurance, you can relax in the knowledge that you’re covered in any event.
Find Bespoke Office Insurance Online
It’s important to do your homework when it comes to buying office insurance for your business.
A good idea is to use an insurance comparison website like Just Quote Me. We compare insurance policies from several insurers throughout the country in order to find the one that fits your needs exactly. The company has been a leader in its field for 28 years and is best-placed to match you with affordable and suitable office insurance for your business in the UK.
Get your FREE Office Insurance quote today
Call us on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 25, 2016 | Business Insurance Blog, Public Liability Insurance
Public Liability Insurance Claims
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.
