by jqm | Nov 16, 2017 | Cyber Liability Insurance
The business world, in almost every sector, is dominated by the internet and the data it produces. Almost all companies now store at least some of their customer and personnel data online, on the cloud or on private networks, connected to the internet. Despite this cyber liability insurance is still not as popular as it should be. If your business is subject to a cyber-attack the losses could be devastating.
Newsworthy data breaches may capture our attention for a short time but most of us move on with our business and think nothing of it. However, data breaches, hacks and cyber-attacks do not just happen to large and multinational companies. Any business of any size is at risk, and the potential costs can be extremely high. All businesses should consider cyber liability insurance as a priority to protect their company.
The Cost of Data Breach Recovery
If a cybercriminal did hack into your business, they quickly and easily access all the data you have stored. They may access private customer information, bank details and much more. Private business data is also at risk. Once you take into account how much of your business relies upon online data you may find the costs extensive and unmanageable.
Cyber liability insurance protects your business in the event of a breach, hack or cyber-attack and it may include cover for costs such as:
Business Interruption
Your entire system could go down due to a cyber-attack. You may also need to close your doors to investigate the attack. This means there will be time you can’t work. This in turn can result in loss of profit and other business costs. Cyber liability insurance should provide financial compensation for this.
Data Recovery
Once the attack is over, you need to recover your data. This too can be costly as you require expert technical support.
Support and Credit Monitoring for Customers
If a data breach effects your customers, then you have a duty to support them. You may want to offer them credit monitoring services (which come at a cost) and some cyber liability insurance policies offer cover for this eventuality.
Cyber Liability Insurance is Key to your Business Security Strategy
Every modern business needs a security strategy and this should include cyber security. Whether you’re a one-man-band or run a large company a cyber-attack can be devastating. If you store any data online or utilise the internet as a core part of your business, cyber liability insurance shouldn’t be considered optional.
Cyber Liability Insurance Quotes from Just Quote Me
Our experience in Cyber Liability Insurance allows us to help you find the right level of cover for your business. We can source a range of quotes to ensure you have options to choose from.
You can get a FREE no obligationCyber Liability Insurance quote today on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 15, 2017 | Care Home Insurance
Residents living in care homes haven’t always moved their voluntarily. Many may miss their independence and their own homes and families. As a care home owner the very least you can do is offer them a safe and comfortable place to live. As part of your role as a caring and responsible business owner, you should make sure you have adequate care home insurance in place.
What does Care Home Insurance Cover?
Just Quote Me work with the best providers of specialist care home insurance in the industry to ensure your business and your residents are safe. There are many elements to a comprehensive care home insurance policy and it may include:
Defined Abuse Cover
Abuse cover is not something you necessarily want to think about, but it is essential to protect your business. An abuse claim can be extremely expensive, and our offering offers full sexual, physical and emotional abuse cover.
Legal Expenses Cover
Legal expenses are necessary part of any compensation claim. Our offering ensures you have full protection should a case reach the stage legal guidance is necessary.
Comprehensive Malpractice Cover
Care home owners often find themselves the subject of a claim from their employees. This is in addition to negligence claims from residents. Comprehensive malpractice cover protects both wrongful administration of medicine and claims against the quality of your provision of nursing and care.
Directors and Officers Liability Cover
Directors of the care company may not have a direct role in running the business but they may find themselves personally liable for loss. In this case you will need liability cover to ensure the personal assets of directors are not affected.
Care home insurance is essential for a well-run business. No one wants to think about the worst-case scenario. However, if it happens and you’re not ready, your business can seriously suffer.
by jqm | Nov 10, 2017 | Amusement Arcade Insurance, Business Insurance
Amusement Arcade Insurance
Amusement arcades are popular year-round, with the peak season in the summer and as you know, the footfall can be high as many visitors arrive. With high volumes of visitors, amusement arcades can be high risk businesses and therefore specialist amusement arcade insurance is advisable.
Amusement arcade insurance incorporates a range of different policies to protect different elements of your business should the worst happen. The leisure sector has many general insurance policies available but specialist amusement arcade insurance will be tailored exactly to your business. Just Quote Me has considerable experience in this sector and can advise of the level of cover you may need, as well as providing a range of quotes.
Amusement arcade insurance may typically cover:
Public liability insurance
This is probably the most important kind of cover for your business. It ensures you have cover for claims due to injury or loss from members of the public or any other third parties on your premises or in contact with your business.
Employers’ liability insurance
Employers’ liability insurance is a legal requirement if you employ people in your business. It provides financial cover if they are injured or become ill due to their working practices (or claim as such).
Buildings and Contents insurance
Protection for your commercial premises and contents is vital. Much of your equipment and machinery is very expensive so if it is damaged, you need to be able to replace it without significantly impacting your working capital. Buildings insurance will protect you against any structural damage due to incidents such as fire or vandalism. Contents insurance will cover your fixtures and fittings from any losses through damage and/or theft.
Loss of licence insurance
In the amusements industry you need to hold certain licences to operate certain machines, fixed odds betting terminals and similar. If you should lose your gaming licence your amusement arcade insurance may include a clause to protect you financial. This is only the case if the loss is proven not to be your fault.
Amusement Arcade Insurance Quotes at Just Quote Me
At Just Quote Me we work with many businesses in the leisure industry, including many amusement arcade owners. Our experience in business insurance allows us to help you find the right level of cover for your business. We can source a range of quotes to ensure you have options to choose from.
You can get a FREE no obligation amusement arcade insurance quote today on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Nov 9, 2017 | Business Insurance Blog
General Data Protection Regulation or GDPR
The EU’s new General Data Protection Regulation or GDPR is an expansion and development of previous data protection law. At present the UK relies on the Data Protection Act 1998 but things have changed significantly since this time. The new legislation introduces harsher fines for non-compliance and data breaches, and it also gives people more rights to their personal data.
The GDPR is a way for the EU to make a simpler and clearer legal environment for businesses handling volumes of data. It will come fully into force from 25th May 2018. It is applicable to all EU member states, but the UK is also affected.
The UK actually passed its own data protection legislation in September 2017 and it implements the majority of the GDPR in the UK.
Does GDPR affect my Business?
All businesses that control and process data must abide by the GDPR legislation. Your business needs to have a data controller who states how and why personal data is used. Data controllers have full responsibility for ensuring all data processed is compliant with data protection law.
Almost every business will be impacted by GDPR. If your business is currently effected by the Data Protection Act, then the same will apply to the GDPR.
Personal data and sensitive personal data come under GDPR. It is relevant to the smallest start-ups and also the largest companies.
Accountability and Protection against Breaches
Companies affected by the GDPR will see themselves much more accountable for data breaches. Their handling of personal data and sensitive personal data has to be properly managed and stored. Companies may want to review their data protection policies. It may also be worthwhile considering data protection impact assessments and fully auditing record keeping within your business.
Data breaches are becoming increasingly common. Companies such as Equifax, T-Mobile and Yahoo experienced breaches within the last 12 months. Smaller companies also need to be vigilant. The GDPR states that “destruction, loss, alteration, unauthorised disclosure of, or access to” personal data must be reported to the country’s data protection regulator. In the UK we have the ICO and they require notification within 72 hours of an organisation finding out about a breach.
The ICO has prepared some information about the GDPR with more expected before the regulation comes into effect in May 2018. All professional business owners should ensure they have a good understanding and are prepared for the regulation before this tim
by jqm | Nov 8, 2017 | Business Insurance Blog, Cyber Liability Insurance
A study carried out by the UK government shows nearly half of UK businesses identified at least one cyber breach or attack in the last year. This shows how vital protecting your business against cyber-attacks is and this is why cyber liability insurance has become essential.
What is Cyber Liability Insurance?
Cyber liability insurance is designed to support and protect your business financially in the event of a cyber-attack. It will also protect your business should there be a data breach or hackers break into your system. Cyber liability insurance is comprehensive cover to help cover the costs of a potentially damaging attack.
How can a Cyber-Attack Cost your Business?
If you’re not aware of how cyber-attacks can effect your business then it is unlikely you’re aware of the costs involved. Cyber-attacks can result in downtime and it can result in breach of client data, which can be both reputationally and financially damaging. A comprehensive cyber liability insurance policy will offer:
Ransomware Protection
Should you find a hacker or cyber-attacker wants to extort funds from your business your insurance policy should cover the cost of the ransom.
Breach Protection
A quality cyber liability policy will offer practical as well as financial support. You may be able to access forensic investigative services, legal advice and support services for your affected customers.
Business Interruption
Your policy should provide cover for loss of income due to business interruption during the cyber-attack. It may also provide cover for loss of income due to reputational damage.
Hacker Protection
If a hacker accesses your website, systems or other connected servers, your insurance policy will reimburse you repair and replacement costs.
Cyber-attacks are not something to take lightly. They are becoming increasingly common. All prudent business owners should consider cyber liability insurance a necessity, rather than optional cover. At Just Quote Me we can talk through your options at any time. Our team will help you find the right policy for your business.
by jqm | Oct 30, 2017 | Business Insurance, Mini Fleet Insurance
Mini Fleet Insurance
Depending on the insurer you speak to a mini fleet can be anything from two vehicles up to fifteen. Mini fleet insurance is an essential investment for businesses with a small number of vehicles who want to get the best price for their insurance. Mini fleet insurance can cover cars, motorcycles, vans, trucks and a range of other vehicles used for the transportation of goods or people for business. Vehicle insurance is compulsory and investing in mini fleet insurance can mean a saving for your business.
What does Mini Fleet Insurance Cover?
Your mini fleet insurance will be specific to your business and depend upon the vehicles you need cover for. For cars alone you may only need third party insurance but you may want to invest more heavily in comprehensive insurance for a higher level of protection. What’s more if you are transporting goods you may also want to look into goods in transit protection so you have additional financial cover should anything untoward happen.
Some insurance companies go further and incorporate additional types of cover in their mini fleet insurance. Legal assistance insurance is quite common and also breakdown cover and home start are commonly seen. Uninsured loss recovery and guaranteed replacement vehicle options are also available with some insurers.
In most businesses vehicles are used by several staff members so multi-driver cover will be a necessity. Most mini fleet insurance policies only cover drivers aged 21 or over and some start at 25 or over.
Benefits of Mini Fleet Insurance
Most businesses will be drawn to a fleet insurance policy because of the cost benefits. It is more affordable to invest in mini fleet insurance than to insure each of your business vehicles individually. What’s more, with a mini fleet insurance policy you can add and remove vehicles as you need, making it more flexible as your business grows. In time you may even move onto a general fleet insurance policy. Most insurance companies will be happy to move your policy as you require and support your business as it grows.
Just Quote Me provide vehicle insurance quotes for many different purposes, particularly for businesses. We can help you find and compare quotes for mini fleet insurance and find the right insurance provider for your business. We appreciate the need for affordability in insurance which is why we make sure you can find cheap quotes today or whenever suits your business.
by jqm | Oct 24, 2017 | Business Insurance, Telehandler Insurance
Telehandler Insurance
Many agricultural businesses would be lost without their telehandler or telehandlers, so what would you if it was damaged, or stolen? Telehandlers are a key piece of plant for many businesses and like all key assets in business they should be insured. Telehandler insurance can be packaged in a number of ways. Lots of business owners like to get as much cover as possible for their key machinery, including telehandlers and it is possible to arrange a telehandler insurance policy which incorporates any driver cover, as well as protection against theft or accidental damage.
Hired Telehandler Insurance
Some businesses opt to hire their machinery simply for ease and to ensure they can regularly update the equipment when required. Many hire policies allowed you to swap older equipment for newer models which is less easy when you’ve purchased it outright. When you hire a telehandler the hire contract will include clauses which state how you must care for the equipment. You will be expected to keep it in good condition, working order and ensure it is safe. Some contracts may even state you must have telehandler insurance but most don’t. However, if you want to honour the agreements in your contract, hired telehandler insurance is recommended. Hired telehandler insurance will cover any compensation necessary should the machine be damaged or stolen. It will also cover any related legal fees and ensure you are protected financially should anything happen to the equipment.
Own Telehandler Insurance
When you purchase your own equipment, insurance can seem less important. This shouldn’t be the case. Although if something goes wrong you are not liable to any other company, you could see immediate negative business impact. Insuring your telehandler or telehandlers makes good business sense. The insurance will cover the equipment should it be damaged or stolen while in use. It will also cover the drivers you need it to as already mentioned, and there are a wide range of different elements of telehandler insurance you may want to look into more closely.
Just Quote Me specialise in working with businesses looking for specific types of insurance. We have experts in many different insurance fields and can help ensure you have a range of options and can compare quotes when organising your telehandler insurance.
Please get in touch with us today to discuss your business, your plant and machinery insurance requirement and specifically to discuss your telehandler insurance cover options.
Contact us to find out more about Telehandler Insurance:
Go to our online Quote System or call us on 0800 084 2325
by jqm | Oct 9, 2017 | Business Insurance, Cafe Insurance
Café Insurance
Running your own café business comes with many responsibilities. You may be the heart of your local community or an up and coming venue for the local arts scene, but whatever type of café you run, you have to run it legally. Café insurance is designed to protect your business should a number of financial issues occur. It is made up of a range of different types of insurance to cover you in many different situations.
Café insurance quotes come in all shapes and sizes, much like the businesses themselves. Whether you’re an experienced business owner or opening your first café ever, café insurance doesn’t need to be an issue. With Just Quote Me you can compare quotes online, speak to our business insurance experts and guarantee a good level of café insurance for your business.
What kind of cover is included in Café Insurance?
All insurers will offer slightly different policies so it is important to look closely and compare quotes online to find what’s right for your business. Typically café insurance may include:
- Public liability insurance: not a compulsory requirement for your business but highly recommended. This provides cover should a member of the public be hurt on your business’ premises as a result of your actions or negligence.
- Employer’s liability insurance: this is the only compulsory insurance for businesses in the UK. You must have employer’s liability insurance to operate legally. It provides cover should a member of your staff be hurt or become ill while at work or due to their working practices.
- Buildings and content cover: as commercial premises you cannot simply get a regular buildings insurance policy. This is especially the case as you serve food. You need buildings and contents insurance specifically designed for cafes.
- Stock cover: the stock required to run a busy café can be extensive and you may want to protect it due to its value to your business. If your systems should fail and you lose stock due to refrigerators or freezers breaking down.
Additional insurances such as business interruption and key personnel insurance may also be considerations for your business. Café insurance can differ from business to business and you simply need to consider your individual business and your requirements. If you have even a single employee you must have employer’s liability insurance in place but all other insurances are your choice and it is up to you how much you value your business and how you plan to protect it.
Just Quote Me is available to help you compare café insurance quotes online and can discuss your options with you too.
Contact us to find out more about Cafe Insurance:
Go to our online Quote System or call us on 0800 084 2325
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by jqm | Oct 5, 2017 | Business Insurance, Cyber Liability Insurance
About Cyber Liability Insurance
Almost every business, in any sector, now has some reliance upon information technology. Whether your business has a huge IT infrastructure or only occasional use of online services, there are potential risks that come from a business connected to a worldwide network.
Relying on the internet and IT to any level opens your business up to threats and risks including business interruption and financial loss, which in turn can lead to reputational damage, entirely down to the failures or problems with your IT systems.
Cyber Liability
A survey by the UK government found that 81% of large corporations and 60% of small businesses suffered a cyber breach in 2014. These threats and breaches come in many forms and can be anything from device theft to website hacks to malware, data loss and fraud. The same government survey also found that the average cost of a single breach is £600,000 to £1.15m for large businesses and £65,000 to £115,000 for small-to-medium sized businesses. These kinds of costs are enough to break a business and even cause it to close which is why you need cyber liability insurance.
Data leaks and losses can be the end of a business and so it is integral your personnel both understand the risks and are educated to handle them effectively.
As the above information shows, it doesn’t matter how large or small a business is, the risk is there. There has been policy to protect against these breaches, thefts and leaks for many years and as well as providing insurance, businesses have come to accept that cyber security is also a risk management technique. You have a responsibility to your customers and clients to have effective security in place to protect your IT infrastructure and the data it holds.
The sophisticated nature of hackers and online criminals means that businesses have to be agile. Just Quote Me is partnered with Cyber AMI to ensure our level of cover and education does not disappoint. Our partners are an accredited Cyber Essentials Training Partner and they specialise in providing training and education for your business and your staff, to ensure they are equipped with all they need to know about protecting the company against potential risks relating to IT. They provide education and training for absolute beginners as well as those who have experience in this area and are committed to training all staff beyond benchmark level. This equips your company with the tools it needs to protect against potential threats against your business online, protecting your reputation and financial position.
Protect your Business Reputation
Cyber and data risks can negatively impact your business and they are increasingly hard to protect against, as the technology behind the threat evolves. With Cyber AMI you have a specialist partner who evolves at the same pace as the threats, ensuring they are kept at bay and your business is fully protected.
Just Quote Me is proud to offer our clients cyber liability insurance through our partner company who are recognised experts in their field.
Get a FREE Cyber Liability Insurance quote
Contact Just Quote Me today to get your FREE no obligation Cyber Liability Insurance quote on 0800 084 2325 or fill out our Quick Quote Form.
by jqm | Sep 18, 2017 | Car Insurance
See How We Can Help Compare Cheap Car Insurance Quotes Online
At Just Quote Me we can provide car insurance for business and personal vehicles. Whether you need personal car insurance or business car insurance or even further reaching fleet insurance, we offer a range of options and opportunities to get a unique car insurance quote.
Car insurance usually incorporates a number of key covers and may include cover for accidental damage, fire and theft and windscreen repair or replacement. Some car insurance policies include cover for personal items left in the vehicle and some also offer legal expense cover should a claim occur, as well as courtesy vehicle provision should your car be damaged or stolen.
Getting the right level of car insurance tailored to your needs is not always as simple as it first appears which is why Just Quote Me are on hand to discuss your options and provide expert advice about the best car insurance quotes and premiums for your vehicle and situation.
Just Quote Me Car Insurance Experts
At Just Quote Me we specialise in quality insurance premiums and offering quotes to suit almost every situation.
It is common experience of many that their car insurance is sold quickly and without due care and attention to whether it is the right level of cover and fully adequate for the purposes of the driver. Far too many insurance policies are sold on a generic basis rather than one tailored to the policyholder and for real peace of mind it pays to find cover which is ideal for your situation.
Just Quote Me pools the talents of insurance professionals with over 30 years’ industry knowledge and experience, with many very experienced in car insurance in particular. We are proud to have placed cover for national businesses including charities, wine bars, nightclubs and places of worship.
We believe in offering value and quality, never at the expensive of a client’s cover.
Car Insurance with Just Quote Me
As one of the most common kinds of insurance premium, car insurance can be found in many different places, for different prices and cover levels.
Our unique position as an independent brokerage means we can compete with both other car insurance brokers and direct market insurers, in terms of both price and service.
To get a FREE no obligation Car Insurance quote:
Go to our online Quote System or call us on 0800 084 2325
