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Contents Insurance For Renters

Contents Insurance For Renters

Looking for Contents Insurance For Renters?

 

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When you sign a lease on a property, it’s essential that you sort out contents insurance for renters before you move into your new home, as this will give you all the cover you need for the possessions you have in the house.

You don’t need to worry about buildings insurance as this is your landlord’s responsibility but, although your landlord will have a contents insurance policy, this will only cover the items within the house that they themselves own and provide for you, such as carpets and furniture.

 

What are the Benefits of Contents Insurance For Renters?

The level of cover you secure as a tenant is up to you in terms of the extras you feel you need, but typically speaking this kind of policy will cover you for damage as a result of fires, vandalism, theft, riots, escape of water, subsidence, storms and explosions. Always check to see if you’re covered for accidental damage, as this isn’t always included as standard.

When deciding upon the amount of cover you think you’ll need, think about how much it will likely cost to replace items.

 

Find the Best Contents Insurance For You

It’s important to be as accurate as you can where this is concerned, as if you underestimate then you’ll find that you can’t make a claim if something happens. Common items insured by those renting a property include computer equipment, jewellery, bicycles and watches.

You can take steps to reduce the cost of your insurance by investing in home security measures to reduce the risk of theft, which will see insurers lowering your premiums, as well as paying annually and choosing a higher excess.

 

Get the Right Contents Insurance for Your Rental Circumstance

Here at Just Quote Me, we can help you compare all types of insurance policies so you can find the right kind of cover for you at the best price, using our state-of-the-art comparison engine.

 

Contact us to find out more about Contents Insurance For Renters:

Go online and Get a Quote or call us on 0800 084 2325

What Should You Consider Before Taking Your Policy?

What Should You Consider Before Taking Your Policy?

Insurance is all about peace of mind and having a plan for the uncertain, the unexpected and even the disastrous events that have a small chance of happening to you and your business.

A comprehensive insurance policy will help provide support in the worst-case scenario, but it is important to choose a policy that is correct for your business.

After all, security insurance will be different from personal insurance, which would be different from engineering insurance, simply because the types and levels of risks are different.

Here are some considerations you should make before taking a policy.

 

Consider Your Needs

Every business is different, and much like how a risk assessment will vary depending on the location and nature of the business, your insurance needs will also change.

Explore your potential requirements and speak to a professional if you have any concerns.

 

Be Clear What Is Covered

When you choose your insurance plan, make sure you are completely aware of what circumstances are covered and whether that is enough for your business.

Typically, you need at a legal minimum employer’s liability insurance to cover the costs against compensation, but you will likely also need buildings insurance to cover damage to your property, contents insurance to protect anything in it, as well as business vehicle insurance.

Depending on the nature of your business you may also need protection from public liability and professional indemnity, but this can vary depending on the nature of your business.

 

Carefully Read The Terms

Your insurance policy is a legal contract, so like any other, it is vital that you or a professional working on your behalf carefully read it to ensure the specifics of the policy meet your needs.

Small Business Insurance Quote

Small Business Insurance Quote

Are you looking for a Small Business Insurance Quote?

Just Quote Me is one of the UK’s fastest growing Small Business Insurance Providers.  We offer insurance for small businesses – anything from Shops, Offices to Landlords, Restaurants and the Motor Trade.  So if you are a small to medium business or SME – contact Just Quote Me to see how we can help.

You can receive a FREE no obligation quote by contacting us on 0800 084 2325 or by filling out our Online Quote System that quotes some of the best Business insurance prices available in today’s every changing insurance market., our online quotes cover all the specifics sections needed to ensure you have not only the best price but also the best cover for your exact business needs.

Our Online Quote System ensures you have not only the best price but also the best cover for your exact business needs.

How we can help with your small business insurance

Our team of highly trained staff will ensure that you are fully aware of not only the cover limits but also the warranties and clauses specific to your policy so that you know what you have to do to make sure the policy will pay out in the event of a claim.

Warranties and clauses can vary from policy to policy and occupation to occupation but a typical clause will be regarding minimum security to your premises such as five lever mortise dead locks, window locks for all accessible downstairs windows etc – theses are extremely important to know so that you can ensure you are meeting these requirement and then in turn your claim will be paid.

Get your small business insurance quote today

For expert small business insurance advice call Just Quote Me FREE  on 0800 084 2325 or by fill out our Online Quote System.

When Do You Need Professional Indemnity Insurance?

When Do You Need Professional Indemnity Insurance?

Many businesses can benefit from having professional indemnity insurance. Sometimes referred to as professional liability insurance, it’s essential to understand what this covers before deciding if you need it.

This type of insurance provides protection for businesses that offer advice or a professional service. It will cover any legal costs and expenses that are incurred for your defence. As well as this, it will include cover for damage or costs that are awarded if a claim is made against you. Because providing advice or services inadequately could lead to a client losing business, they could have the right to take legal action.

Who Needs To Have Professional Indemnity Insurance?

There are no legal requirements for any business to hold this type of insurance. Although some regulators and professional bodies require businesses to hold a policy. This is because they are endorsing you as a qualified professional and want to ensure you are properly protected. This is particularly common in architecture, accountancy and chartered surveying. Some clients will also require you to have this cover, so as to protect themselves should things go wrong.

Many businesses choose to take out professional indemnity insurance even when they aren’t required to. This is because it can reassure potential clients and also offers some security. Any business that gives advice, handles client data or provides a professional service should consider this insurance.

Choosing Professional Indemnity Insurance

Every business is unique, and so the same goes for their insurance requirements. This type of cover is not a one-size-fits-all product, and it’s important to get the right option for you.

Here at Just Quote Me, we are specialists in finding the perfect insurance solutions for every need. Because we take time to get to know your business and requirements, we can find you the best deal. For more information, get in touch with our team of experts. Alternatively, fill out our free quick quote form to find the best price for your insurance needs.

Insurance for Factory

Insurance for Factory

While factories are generally used to produce goods, the range of goods can seem limitless. Factories manufacture clothing, cosmetics, machine parts, and household appliances to name but a few. This is why insurance for factory based businesses can be harder to get than it might first appear. And why insurance companies look in detail at what the business is and the risks involved in issuing a policy.

Insurance for Factory Policies

Most insurance for factory policies are based on standard business combined insurance policies. They will include:

  • Public liability insurance, covering accidents to visitors where the business is negligent.
  • Employer liability insurance, covering accidents to employees where the business is negligent.
  • Equipment insurance, covering damage to equipment, e.g. computers and phone systems.
  • Machinery insurance, covering damage to machinery that produces goods/products.
  • Business interruption insurance, covering money lost when the business cannot operate.

The difference comes in the wording, which will be unique to the business itself or the sector it operates in. As a result, most insurance companies will ask businesses a series of questions to make sure they offer the right policy at the right price.

The questions an insurance company might ask, include:

  • What the factory does/what products it produces?
  • Where is the factory located, e.g. is it on a flood plain?
  • What type of supplies are kept at the factory?
  • The type of building it is, e.g. is it bricks and mortar?
  • What type of risks are there to the continuity of supplies?
  • What type of systems are in place, including for fire safety and security.

For anyone looking for insurance for factory, it’s a good idea to have this information to hand before calling an insurance company.

Buying Insurance for Factory

Do you have questions about insurance for factory? Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Cyber Liability Insurance

Cyber Liability Insurance

According to the UK Government, last year, over 30% of businesses and 22% of charities experienced a cyber-attack or IT-related security breach. This figure has increased year-on-year for the last four years. Some experts estimate each incident costs companies approximately £27,000 to recover. With this in mind, cyber liability insurance becomes essential.

What is a cyber-attack?

The press often focusses on large-scale breaches, such as the NHS ransomware attack of 2017. However, many cyber-attacks are smaller in scale, though they can be just as disruptive to businesses. They include:

  • Phishing emails aimed at gaining access to systems by encouraging staff to click on links embedded within them.
  • Attackers impersonating their company in order to attack customers and clients.
  • Viruses and malware, including ransomware, which can steal data or shut down systems.

Given how many businesses rely on IT to carry out their day-to-day operations, it is vital, therefore, they are protected. This includes having the right IT systems in place to keep their, and their clients and customer data, safe and insurance for if they are attacked.

What does cyber liability insurance cover?

As with all insurance, cyber liability insurance covers different things depending on the level a business chooses. However, for fully comprehensive cover, it should include financial cover for handling:

  • Data breaches
  • Compensation claims
  • Losses and interruptions
  • The aftermath and impact of a cyber-attack
  • Hardware and system repair and replacement

Ideally, it should also include forensic investigation and specialist IT support.

Buying cyber liability insurance

Companies should opt for comprehensive insurance wherever possible to ensure they are covered for all eventualities. The best way to find this is through an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no obligation, cyber liability insurance quote.

Comparing Business Insurance Quotes

Comparing Business Insurance Quotes

Are you comparing business insurance quotes and you don’t know where to start? There are lots of things you can do to begin. Business insurance prices are important because they’ll be impacting your profits as well as the future of your company. What should you be looking for?

Look around

Business insurance can be provided by lots of different comparative websites. Therefore, they are able to talk you through your business needs to find the best fitting policy for you. For example, Just Quote Me provides professional business insurance for a wide range of different companies in many different sectors. With over 45 types of business insurance, it’s not surprising the finding the right one is overwhelming.

Get a free quote

Lots of websites that compare business insurance, however the best ones offer a free insurance quote. Just Quote Me can call you and help you make the best insurance choices for your business. They make it easy to compare policies and get the best price. Policy documents are emailed to you instantly without fuss or delay.

What is the Just Quote Me approach?

Just Quote Me works in three steps. Firstly, you can complete an online form and receive and an instant free quotation. Secondly, you can use the quick quote forms to tell them what you need, and they’ll get back to you. Finally, they’ll find the right insurance for you and do all the leg work for you.

Get the basics

Finally, there are some basic insurance policies that you’ll need when comparing business insurance quotes. Insurance such as public and employee liability are more or less guaranteed to be on your policy. Not only this but some types of security insurance and building insurance will almost certainly be necessary. The only way to find out what you need is by talking to an expert. You can explain the ins and out of your business and make sure you’re prepared for anything.

Do you have questions about comparing business insurance quotes?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Why your charity needs insurance

Why your charity needs insurance

Insurance is a key part of the risk management process for charities and non-profit organisations. It’s important that these groups who do so much good, with so few resources, protect themselves; charity insurance can provide that protection. With the financial security provided by insurance, your organisation can focus all its resources on its charitable aims.

The first check is to ensure you’re complying with the law. Employer’s liability is a legal requirement if you have employees. £5 million is the minimum indemnity, but £10m is standard. Specialist charity insurance may cover your volunteers as if they were employees rather than third parties covered by your Public Liability.

If you own and operate vehicles, you’re legally required to appropriately insure them, if you put on fundraising events, you need public liability insurance, and if you have data online, you need cyber risk insurance -there will also be other instances where you could be vulnerable.

Is it important to be insured beyond the legal requirements?

Yes! Insurance exists to protect your organisation and your assets from the financial impact of claims. Should a member of the public slip on your premises, despite your best risk management efforts, you may be liable – this is the sort of claim that could cause financial ruin and put a stop to all the good that you have been doing.

What could happen if you’re not insured?

It depends on your charity or community group governance. However, if you’re not a registered charity and someone makes a claim against you, then you may be personally liable. Equally, even if you are a registered charity, a claimant may choose to take the charity to court and may pursue compensation from the trustees.

Whatever the situation, if you don’t have insurance then your charity or non-profit is at serious risk of financial ruin. And there’s potentially a significant risk to the board of trustees too.

What should you do about insurance?

The first step towards insuring your organisation should be discussing your requirements with an expert. We can assist you with your insurance requirements and risk management.

What charity insurance should you consider buying?

You may consider a range of insurance products. Common cover required by charities and community groups include Public Liability, Property, Trustee Indemnity, Professional Indemnity, Fidelity and more.

What are the common insurance covers for charities and community groups?

Public Liability protects you from claims made by members of the public who have suffered personal injury or property damage because of your charity or community group. Property Damage insures your building, contents and assets against loss, theft or damage and is key to risk management.

Trustee Indemnity protects your board of trustees from claims made against them or the organisation. This will help your trustees sleep well at night and can help you recruit top quality trustees. Professional Indemnity protects you if you provide any professional, advice or counselling services or similar. And Fidelity cover insures you against theft or fraud by an employee, volunteer or trustee. Other types of insurance are available.

Where should you start your search?

Find an insurer who will know exactly what you need, and get their advice. They will know more about your requirements and about the products available.

Don’t risk it. Cover your charity with Insurance today by getting in touch!

Why you need Cyber Liability Insurance Cover

Why you need Cyber Liability Insurance Cover

All businesses rely on an IT infrastructure to some degree. As a result, you are exposed to the risks of business interruption, income loss, damage management and repair, and possibly reputational damage if IT equipment or systems fail or are breached, and you don’t have Cyber Liability Insurance.

A UK Government survey estimated that in 2015 74% of small to medium-sized organisations suffered a cyber breach. The average cost of a cyber-security breach can be as much as £310,000.

This is especially important to you if you hold:

  • Sensitive customer details such as names and addresses or banking information
  • Rely heavily on IT systems and websites to conduct your business
  • Process payment card information as a matter of course

What is Cyber Liability Insurance?

The penalties can be high if a company’s IT security is found to be inadequate and a breach occurs. Under EU regulations which came into force 25th May 2018, you are required to notify your customers of a cyber security breach and could be fined up to 4% of your turnover.

In addition to potentially substantial fines it can also lead to a damaged reputation, legal costs and associated business disruption and lost revenue.

Will your customers trust you after a security breach?

Cyber Liability has become headline news following a number of high profile hacking cases. This has led to a greater awareness of the risks and need for cover. Yet it’s not just the large corporates who are at risk.

As a business, you are likely to hold a lot of personal and sensitive data concerning your customers. The increasing use of online portals could give hackers access to sensitive information held about individual customer accounts.

Cyber Liability covers you against financial losses and third-party liabilities up to the limits chosen arising from cyber attacks.

Every organisation is a potential victim

All organisations have something of value that is worth something to others. You may experience some form of cyber attack if you openly demonstrate weaknesses in your approach to cyber security by failing to do the basics.

Part of your risk management process should be assessing whether you are likely to be the victim of a targeted or un-targeted attack. Every organisation connected to the Internet should assume they could be a victim of the latter.

Either way, you should implement basic security controls consistently across your organisation. Where you may be specifically targeted, ensure you have a more in-depth, holistic approach to cyber security.

The Stats

Recent reports revealed that despite increased efforts and spending in the realm of reducing cyber-risk, over 60 per cent of UK businesses identified that they have a cyber-security skills gap. What’s more, over half of these organisations believe they have an increased risk of suffering a data breach as a result.

What does your Cyber Insurance cover?

Cyber insurance may cover several different things, dependent on the level you opt for. There are policies which offer scalable cover including elements such as:

  • Data Breaches
  • Dealing with any cyber liability compensation claims
  • Cover for business losses and interruption
  • Cover for supporting your business through the aftermath and impact of the cyber event
  • Hardware and data repair and replacement
  • Forensic investigation, expert advice and IT support

Don’t risk it. Cover your business with Cyber Insurance today by getting in touch or going to this page on our website.

If you would like to know more about the possible risks and solutions to your business’ IT department, we’ve prepared a PDF with more information which you can download here.

Why You Need Business Content Insurance

Why You Need Business Content Insurance

Whatever your business, you are likely to have a great deal of contents within your premises. This could be computer and technology equipment in offices, glassware and crockery in hotels and even office furniture for your home office. If the contents become stolen or damaged, without insurance in place, then it could affect the day to day running of your business. Furthermore, it could leave a significant dent in your business finance. With this in mind, business content insurance becomes vital.

What Is Business Content Insurance?

You can purchase business content insurance as a stand-alone product or as part of business insurance cover. Business content insurance is available to reimburse you for the cost of your business contents, such as stock, office and retail equipment in the event that it is stolen or damaged.

Having business content insurance in place helps to provide your business with the peace of mind that should anything happen, then your insurance can help you to continue trading.

Considerations For Business Content Insurance

One of the critical aspects of business content insurance is how to value your items. Some insurers will offer initial purchase price. However, others will cover replacement value. Depending on the contents your business has will determine which is the right offer for you.

Another consideration is to cover the total value of your contents. In some cases, you may find it is better to insure specific high-value items separately. This can help to make sure that they receive more security. Some high-value items may go up in value since you made your purchase, so you may want to replace like for like. For some items that may drop in value, the initial price may be more worthwhile to you.

Do you have questions about Business Content Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Data Protection Insurance is more important than Ever

Data Protection Insurance is more important than Ever

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.

Specialist Heavy Plant Insurance for your Business

Specialist Heavy Plant Insurance for your Business

Heavy plant machinery may be essential to your business. Some of the most vital equipment for your business comes with specific risks and these risks need covering with specialist heavy plant insurance. Specialist heavy plant insurance will cover high-risk vehicles in your fleet. Usually it will cover vehicles such as forklifts, cherry pickers, bulldozers and diggers, but it can also cover more specialist vehicles too.

High Risk of Plant Machinery

Plant machinery is essential in many industries from construction to farming to warehouse management, but it comes with considerable risks when compared to other kinds of equipment. Common hazards which plant machinery is exposed to include:

  • Security and safety issues (risk of theft)
  • Wear and tear (damage through the natural elements)
  • Boom collapse in cranes (mechanical or lifting failure)
  • Overturning on rugged/unknown terrain

Heavy Plant Insurance Tailored to your Machinery

Some businesses require very specialist machinery. Machinery such as tar sprayers, cranes, rotary tillers and snow ploughs require the right insurance for the financial protection of your business. Whether you have a single piece of machinery or a whole fleet, heavy plant insurance helps to protect your business from any risks.

Heavy plant insurance isn’t just available for vehicles and machinery you own. For leased equipment you may also need to arrange your own insurance and that can be arranged for you too. Requirements are quite specific which is why we recommend getting in touch directly, so we can discuss your needs.

Finding Heavy Plant Insurance

You may need a range of different types of insurance for your machinery and it may all be included in a single policy. It could incorporate elements such as protection from theft and damage, but some may also come with public liability insurance included. This ensures protection should the plant be involved in damage to a third party or their property and can be invaluable should an accident occur.

Just Quote Me work with many professionals who both own and hire heavy plant machinery. We can help arrange and discuss your heavy plant insurance quotes, so just get in touch as soon as you’re ready.