by jqm | Jan 26, 2018 | Business Insurance, Business Insurance Blog
Soft play areas are hugely popular with parents of preschool children throughout the year and older children during the holidays and weekends. They can be extremely busy and the high volume of people, particularly children, increases the potential risks and hazards. It is not responsible or safe to run this kind of business without appropriate soft play insurance. All businesses need some kind of insurance and ones with additional risk such as this, require more specialist cover.
Why Do you need Soft Play Insurance?
Soft play insurance, at a minimum, will cover your business should an employee, visitor or other third party suffer an injury and claim you are negligent. Your insurance also protects your business should any of the above claim their property is damaged due to your business. After an incident is too late to get insurance and you should have the cover in place for your own protection. The costs of a compensation claim can easily ruin a business and it is also unsafe to operate without appropriate cover.
What kind of Cover do you Need?
The only compulsory insurance in the UK is employer’s liability insurance. If you have any employees this is essential to comply with UK law. Most soft play businesses should also consider:
- Public liability insurance: to protect against claims from the general public
- Product liability insurance: to protect against claims made against your business’ products/services
Some soft play insurance may incorporate other elements such as legal expenses insurance, loss of income or business interruptions cover. If you are not sure the level of cover you need, it’s time to speak to the experts.
Soft Play Insurance Quotes from Just Quote Me
At Just Quote Me we work with businesses from all backgrounds. We can discuss a range of soft play insurance quotes with you, giving you a range of options to choose from. Our expert insurance advisors can discuss the policies available too, helping you to make an informed decision. Call us today on 0800 084 2325 or contact us via our online form https://justquoteme.co.uk/contact/.
by jqm | Jan 12, 2018 | B&B Insurance
The high footfall in the average B&B makes them relatively risky businesses to run. Guests come in and out all the time, cooking and cleaning is a constant process, so as a B&B owner, you have to be aware of risk. Quality and comprehensive B&B insurance is designed specifically to cover your business against risk. What level of cover do you need and what elements should you policy incorporate? We’ll look at that in more depth below.
Insuring your Great British Bed and Breakfast
The Bed and Breakfast is a British tradition and has provided a steady income for many for years. It is possible to get B&B insurance for both licensed and unlicensed premises although the requirements are a little different. Importantly though, do you know what types of cover should be incorporated in your B&B insurance? B&B owners should definitely consider:
Public Liability Insurance
This protects you and your business against compensation claims made by members of the public. Claims are usually for injury or damage to property which the claimant blames on your business. It would cover your business if a guest were to trip over for example.
Business Buildings and Contents Insurance
Even if your B&B is also your home, you should update your buildings and contents insurance to reflect its business status. It will protect your business should there be a burglary, fire or flood.
Employers’ Liability Insurance
All businesses which employ staff must have employers’ liability insurance. It is likely your B&B employs at least some staff members, so this type of insurance is compulsory. It protects you and your business against compensation claims made by employees and former employees. Not having employers’ liability insurance in place can result in large fines.
B&B owners may also want to consider more specialist insurance cover such as business interruption cover and you can discuss your individual needs when you contact Just Quote Me. Our professional insurance specialists can talk through your options with you.
Just Quote Me can provide you with a range of B&B insurance quotes, allowing you to decide which is best for your needs. Contact us today to find out more.
by jqm | Jan 4, 2018 | Personal Insurance, Pet Insurance
Horses are amongst the most expensive pets on the market. Many are more than just pets and become lifelong friends. The costs of keeping a horse are high but it is imperative you invest in horse insurance to protect your pet. Vets bills for horses can easily run into the thousands and so without the right insurance your pet could become extremely expensive.
Whether it’s known as horse insurance, equine insurance or even equestrian insurance, it’s the same thing. You need appropriate cover for your horse if you want to protect yourself financially. It also ensures you can look after your pet responsibly and cover any costs that come with looking after your horse should it become ill.
There are different kinds of horse insurance available and it can be a little more complex than a standard pet insurance policy.
Your Horse Insurance Policy
Horses can be insured from a few weeks old, but you will need to customise your policy to suit your need. Most standard horse insurance policies will provide a basic level of cover which pays out should your horse be stole, stray or unfortunately pass away. There are other elements you may want for your policy too, including:
Vet Bill Cover
Vets bill cover is a key element of a horse insurance policy which most people look for. Bills can be very high should your horse be ill or injured. Without horse insurance in place, how would you cover a large vets bill?
Dental Cover
Horses’ teeth often cause them quite a lot of trouble. Specific dental cover for horses is often available as you may find their dental bills become expensive.
Veteran Horse Cover
You may find you need a specific policy for an older horse. Older horses are more susceptible to health problems, so you may find it is more expensive. It is still essential you protect your horse, whatever their age.
At Just Quote Me we are experts in helping all of our customers find the right insurance for their needs. Make sure your beloved pet is fully protected with quality horse insurance, with our help.
by jqm | Dec 29, 2017 | cat insurance, Pet Insurance
Pets are members of the family and cat lovers are well known for their absolute adoration of their feline pals. However, unlike humans, our feline family members aren’t entitled to free healthcare. If your cat develops a health problem, then there will be costs involved. Rather than worry about extensive vet bills, conscientious cat owners invest in the right level of cat insurance, covering their pet’s medical expenses.
Is Cat Insurance a Worthwhile Investment?
Your cat is a member of the family and deserves the same protection as everyone else. Average pet insurance claims sit somewhere between £700 and £1000, and this can increase significantly if your cat develops a long-term condition.
The main thing to keep in mind is affordability. Could you afford a large vet’s bill if it came your way? How would you handle an emergency vet bill without cat insurance? If you aren’t sure then considering insurance for your cat is essential.
Balancing the cost of your premiums and the likelihood of a claim is also important. Older cats may cost more to insure but they are more likely to be ill too, so this is worth keeping in mind.
Types of Cat Insurance
You can look at different types of cat insurance policy to see which is best for your needs and your pet. If you have several pets in the household, you may also want to consider multi-pet policies which some insurers offer. The main types of cat insurance policy include lifetime insurance, maximum benefit insurance and time limited insurance. Some insurers also offer accident only cover which will ensure you have financial support should your pet need treatment in the event of an accidental injury.
Cat Insurance Quotes with Just Quote Me
Our expert insurance specialists can help you find the right cover for your cat. Whether you already have your pet home or are hoping to adopt one soon, we can discuss your policy options. You can get in touch today to discuss your requirements.
by jqm | Dec 21, 2017 | Dog Insurance, Pet Insurance
Approximately 1 in 2 households in the United Kingdom is home to a pet and over 8 million of these are dogs. If you are a dog owner or even thinking about getting your first pup, then you know just how precious these animals can be. They become a genuine member of the family and deserve protection for their health just as much as we do. There is no National Health Service for animals and so trips to the vet come at a price. Having dog insurance in place ensures your pet is protected should the worst occur. You can also have financial piece of mind.
Dog Insurance Policy Types
There are a range of different types of dog insurance you can choose from including:
Lifetime
This covers your pet on an annual basis and must be renewed each year. It will cover any new illness or injury with a set monetary amount. It will provide cover for long-term and recurring illnesses if it is renewed.
Maximum Benefit
This kind of policy sets aside a maximum amount of money for each illness or injury your dog may suffer. Once the amount is paid out, it won’t be covered again.
Time Limited
A time limited policy covers just twelve months (usually). In this type of policy, a fixed sum of money is available for each separate illness or injury. Treatment will only be provided for a specific time period.
Accident Cover
Accident only dog insurance helps towards treatment after an accidental injury. No illnesses are covered by this kind of policy.
We have to pay privately for our dog’s healthcare, so it makes sense to lighten the costs where possible. Vet bills can quickly escalate and without insurance it can be difficult to manage. Just Quote Me can help you explore the dog insurance quotes available to you and make the right choice.
by jqm | Dec 14, 2017 | Just Quote Me, Travel Insurance
With the snowy and stormy conditions across the UK recently, many people have been disappointed. Missed flights, delays and more can ruin a holiday and without travel insurance there may be nothing you can do to recoup your losses. No one wants to think of the negatives when travelling for leisure (or business) but planning for the worst allows you to enjoy the best. Just Quote Me can help you organise your travel insurance today.
Why is Travel Insurance Important?
You need travel insurance to travel with peace of mind. You need the right level of cover for your travel too, not just any policy. Travel insurance makes sure you get proper medical care should an accident, illness or injury occur. Some travel insurance will also cover transfer back to the UK if necessary.
What’s more, travel insurance isn’t just to cover medical costs. It can help you should there be delays, hotel issues or even incidences such as theft and unwarranted expenses during your travel. Your level of cover will determine what you can claim against.
Do I need Travel Insurance in the UK?
Many people would assume there is no need to be insured if travelling within the UK. However, accidents still happen, as do delays and other issues with your travel. The NHS removes the worry about medical issues, but what about everything else? What if your luggage is lost or you a victim of theft? With insurance in place these issues do not need to adversely affect your break.
Online Travel Insurance Quotes with Just Quote Me
You may or may not know what level of travel insurance you need. Our experts can help you look through a range of quotes and find the right policy for your needs. You may be a frequent traveller and need long-term cover or you may want to just protect yourself for a single special trip. In any event, the Just Quote Me team can help you arrange your policy today.
by jqm | Dec 7, 2017 | Home Insurance, Just Quote Me
Research carried about by consumer group Which shows UK home insurance prices are on the rise. Premiums for home insurance in October 2017 were 8.5% more than they had been in the previous year. This shows just how important it is to compare quotes online, shop around and find the best possible home insurance policy for your family.
Although it isn’t strictly mandatory you have home insurance, you will find it hard to get a mortgage without one. Almost all mortgages include a clause which states home insurance is necessary. Homeowners therefore, need to explore their options, compare home insurance quotes online and find the best possible policy for their needs.
What will your Home Insurance Policy cover?
There are many different levels and types of home insurance. There is a basic level of cover in almost all policies and you will probably find that it will cover different compensation types for different types of accident, incident or cause. Your home insurance policy is likely to cover damage and loss caused by incidents such as earthquake damage, fire damage, malicious damage and explosion damage. It may also cover oil leaks from the heating system, vehicle or animal impact damage and damage caused by falling trees.
Policies may also feature further clauses which allow for compensation for issues such as damage caused by shoddy workmanship or even general wear and tear. You will find home insurance has a personal liability element too – protecting you should someone be injured in your home and attempt to claim for compensation for negligence on your part.
Online Home Insurance Quotes with Just Quote Me
Home insurance is an essential investment for many of us. Therefore, it is important to spend time finding the right policy, at the right price. With prices increasing it is more important than ever that you spend time checking quotes online. This increases your chance of finding a good quote. At Just Quote Me our expert insurance specialists can help you find the best quote for your home. We can also go through your options with you.
If you have any questions, want to discuss your home or anything else at all you can contact Just Quote Me directly or you can request a call back today.
by jqm | Nov 29, 2017 | Business Insurance Blog, LPG insurance
Some businesses require very specialist insurance policies and those dealing with LPG (liquid petroleum gas) fall into this category. Just Quote Me is proud to be one of the few companies offering specialist LPG insurance quotes for businesses in this sector. The right kind of insurance is essential when working with such high-risk materials.
Specialist LPG Insurance Brokers
There are very few specialist LPG insurance brokers able to find the right level of cover for your business. LPG is one of the leading fuel sources in the country. There are depots far and wide meaning it needs to be safely transported. Many businesses transport and deliver LPG to UK homes and commercial premises.
Our years of experience in the industry mean we are perfectly placed to find specialist quotes for your business. LPG businesses may require public liability insurance, employers’ liability insurance, stock insurance and goods in transit insurance, as well as many further optional covers.
Third Party LPG Insurance and Cover
LPG is a known pollutant and while it is needed for heating around the UK, the risk if it comes into contact with a third party can be high. Not many insurance companies offer specialist cover for third party contamination and pollution. This is why you need to find a specialist policy, with expert help.
Standard commercial insurance is usually not enough for a business which poses such a high risk. It is dependent on the company, but most will see your day to day business activities as too high risk for their regular levels of cover.
If you are even a little concerned about your LPG insurance, then please get in touch. Just Quote Me works with many companies in this sector and can advise you of your best options. You can call us or fill in our online insurance quote form to begin.
by jqm | Nov 23, 2017 | Cyber Liability Insurance
Cyber risk insurance is not something only large, well-known companies must consider. Any business could be the victim of a cyber-attack at any time. Whether it’s an attempt to access your data or bring your website down, a cyber-attack can significantly damage your business. Cyber risk insurance protects against both first party and third party cyber-attacks and breaches.
Most modern businesses rely upon technology and data. Most companies now store their own data and that of their customers on online servers, the cloud or elsewhere online. If any of the technology running your business is compromised, it can result in financial and reputational loss.
The Very Real Risks of a Cyber-Attack
A cyber-attack can truly devastate a business. Your company faces a range of real first party risks including:
- Loss and damage to your digital assets in the form of software and data
- Business interruption and additional expenses from service interruption and/or network failure
- Reputational damage
- Costs through cyber extortions such as a ransomware attack
There are also further cyber risks which effect third parties connected to your business including:
- Privacy breaches which effect third party, public member or employee confidentiality rights
- Privacy regulation defence costs and fines due to the above
- Customer care and support costs
- Customer care and reputational management costs
Cyber Risk Insurance with Just Quote Me
Just Quote Me recognises the need of each business to protect its assets, physical or digital. Not having cyber risk insurance in place immediately puts your business at higher risk than those who do. How would you financially manage if your business was the victim of a cyber-attack? If you don’t have an answer, then you need cyber risk insurance.
Our experience in working with businesses of all sizes means we can help you find a suitable cyber risk insurance policy with ease. We can provide quotes and ensure your business has a level of cover to protect both yourselves and your customers.
by jqm | Nov 22, 2017 | Farm Insurance
The agricultural industry remains one of the highest risk and dangerous to work in. RIDDOR reports 27 fatal injuries in 2016/17 with 13,000 non-fatal injuries to workers every year. Not just worker injuries need to be considered either which is why insuring your farm and having a comprehensive farm insurance policy is essential.
Protecting your Livelihood with Farm Insurance
The British farming industry has not had the best of times recently. Many farmers have had to diversify to remain in business and others have had to fold. Those still working must protect their assets to ensure a better chance of a better and prosperous future.
Farm insurance comes in many forms, as there are so many different forms of farming. Dairy farmers will need a different policy to cattle farmers and those who simply farm the land will not need livestock insurance and vice versa.
Most farms will require some form of equipment or plant insurance. We will work with you to find the right level of cover for your business. We can also discuss any other concerns you may have about the protection of your business.
Finding your Farm Insurance Policy
Just Quote Me work with individual businesses to ascertain their insurance needs. Our aim is to find a single suitable farm insurance policy to fit your business. The right level of insurance is essential in the event of a compensation claim or other disastrous occurrence which effects the financial viability of your business.
Our range of quotes will help you to find the insurance cover you need. If you aren’t sure we can discuss your options over the phone too. We have many years’ experience in placing farm insurance policies for several types of agricultural business.
At Just Quote Me, we appreciate the individual nature of every farming business. We are ready to help you ensure you are adequately covered and have full peace of mind when working and enjoying your business.
