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Public Liability Insurance Quote Online Today

Public Liability Insurance Quote Online Today

Get A Public Liability Insurance Quote Online Today

Looking for a public liability insurance quote that’s tailored to your company’s needs? Then contact Just Quote Me today to see how we can help – go to our online Quote System or call us on 0800 084 2325.

The team at Just Quote Me understands that every business is different and that insurance should reflect this. Whether you have a pub, restaurant, shop or manufacturing plant – we can help.

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, get yourself Public Liability Insurance from Just Quote Me. The company has been a leader in insurance for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.

FREE no obligation Public Liability Insurance quote

To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.

Church insurance – Are you fully covered?

Church insurance – Are you fully covered?

Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.

Your current insurance               

When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.

This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.

However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.

Cover types 

Depending on your activities, your church may benefit from:

Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings

Church Contents Cover – pays out if contents and equipment gets stolen or damaged

Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property

Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions

Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss

Manse Cover – landlord insurance for houses the church may own and rent out

Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.

Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks

Minibus Cover – just like car insurance but for your minibus

Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues

Abuse Cover – covers the cost to the church should an allegation of abuse be made

Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.

Group Travel – covers trips you organise for members or staff in the UK & abroad.

Just Quote Me Church Insurance Quotes

You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.

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!

Public Liability Insurance UK

Public Liability Insurance UK

Public Liability Insurance UK

Public Liability Insurance provides cover for your business in the event of any third party claims being made against it, or yourself, for any negligence causing a member of the public to suffer from an injury or illness as a result. This type of insurance also provides your business with cover in the event of damage to any third party’s property.

This type of insurance also provides your business with cover in the event of damage to any third party’s property.

So, in effect, this type of cover protects your business if you were to find yourself in a situation that made your company liable to be sued in the courts. If you’ve arranged the right insurance then your company will have the cover that it needs to reduce its operational risk.

Unfortunately, most business owners often don’t have the time to fully understand public liability insurance and could therefore face paying exorbitant fees for damages should their policy prove to be insufficient for their financial needs. This is why it is important to contact the experts in this field to find out what is included and, just as importantly, what is excluded from any policies.

Why should I arrange Public Liability Insurance?

The most commonly arranged type of cover for small businesses is Public Liability Insurance. This type of protection is also just as important to medium and larger organisations too.

It’s not a legal requirement for businesses to have this cover, however it should be considered as an essential – particularly where members of the public may be interacting with your company. From clients visiting your office, shop or work premises to the potential of dangers at shows and exhibitions, it’s not something that your company should be without.

If you operate from home you may think that you are safe but think again, even home-based businesses need to consider this cover if their home office is ever used as a meeting place for members of the public to attend.

What does Public Liability Insurance cover?

You need this cover, for instance, if you damage third party property when you are carrying out your work, which makes it eminently sensible protection for tradesmen. It is a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.

It’s a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.

At the time that you are arranging your Public Liability Insurance cover, make sure that you tell your insurer the type of business that you operate. This will more easily help you come to an agreement regarding the right type of policy that is best suited to you and your company.  Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1million to over £10 million, depending on your circumstances and potential exposure.  You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million which may surprise many!

Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1 million to over £10 million, depending on your circumstances and potential exposure.  You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million.

Many small business owners tend to think that they are safe simply because they are small! This is not the case at all, without public liability insurance you could lose your income so tread carefully.  Just a simple thing like a slip-up over a loose cable, a spilt cup of tea or injury caused by broken glass or door slamming shut in the wind could put paid to your business plans if you are uninsured.

Compare the different policies online

Comparison websites, like Just Quote Me, provide you with the ability to compare various policies and save money whilst, at the same time, allowing you to transparently compare the often vastly different insurance options available to you.

Just enter your details into our simple application form and you will be able to start comparing policies straight away.

In this way you will quickly and easily find the Public Liability Insurance policy and cover that suits your needs most. We are always happy to help so, if you have any questions, then please call to speak with one of our experienced UK based consultants.

To Compare Public Liability Insurance:

Go to our online Quote System or call us on 0800 084 2325

Public Liability Insurance Advice

Public Liability Insurance Advice

Compare Public Liability Insurance

Have you recently started a new business in Staffordshire or the West Midlands? Then you’ll need to ensure that you invest in Public Liability Insurance.

This type of insurance is essential, as it covers your business in the event that a customer or member of the public suffers loss or injury as a result of your business activities and made a claim for compensation.

The insurance would cover the compensation as well as any legal expenses. The world of insurance can be a confusing one – especially for those starting a business for the first time. Insurance is unlikely to be your number one priority when you begin trading, however, it’s not something you can ignore for too long.

Many people get quotes for Public Liability Insurance online through Just Quote Me. This established Staffs company provides bespoke business insurance quotes to meet your needs.

Tailored Business Insurance

Every business is unique and that’s why business insurance should never be sold on a ‘one size fits all’ basis. Just Quote Me has been in the business of insurance for many years and understands the need for tailored business insurance policies that are designed to fit a company’s specific needs.

All too often, businesses purchase generic insurance only to find that they’re left without cover when they need it the most.

To Compare Public Liability Insurance Quotes Online:

Go to our online Quote System or call us on 0800 084 2325

 

Public Liability Insurance Advice

Applying online for public liability insurance cover

Compare Public Liability Insurance

Today’s Public liability insurance is cover suitable for businesses or organisations that need protecting from third party claims that may be made against them by the public.

If a business has caused a member of the public to suffer in any way then it is possible that a claim could be made.

Most business owners may not have the time to worry about or understand public liability insurance. They may be paying for cover that they do not even understand. This means that may have insufficient or inappropriate cover for their individual requirements.

If in any doubt responsible business owners should contact specialist providers in this field, such as JQM, to find out what is included and what is excluded from their public liability protection.

What does public liability insurance protect?

If you damage any third party property, when you are working, then you are liable to pay to repair those damages. This makes this insurance eminently suitable protection for tradesmen such as carpenters, plumbers, plasterers and tilers. Others that could benefit from protection include Kitchen and Bathroom fitters, roofers, builders, electricians or gas engineers working on client’s property.

Working out the level of cover required

When arranging such cover, your insurer needs to work out the level of financial cover that is required for you.

This could range from £1million to £10 million or more, depending on your job and the value of any financial losses that could occur as a result of your work.

Public Liability Cover for contracts in the public sector

For some contracts, especially in the public sector, there will often be a minimum level of financial cover required.  Your public liability insurance would therefore need to meet the required level of cover in order for you to work on such contracts.  In this day and age £5 million is a fairly standard amount of cover for council and local authority work.

It is often the simple issues that crop up in life that can catch many companies out. Imagine operating a window cleaning company with the contract to clean the glass on a skyscraper such as the shard skyscraper in London – it’s a long way down from the top if anything goes wrong!

You should compare different public liability insurance policies online

If you use insurance comparison websites such as JustQuoteMe, you will be able to more easily compare various policies together side by side. Bear in mind that the public liability insurance cost is not the only consideration!

It is the small print that you need to check as all policies will be different to an extent, some more than others!

It is best to come up with a short-list of the policies that you have selected based on your own set of criteria. Once you have entered your information you will be presented with the various options or, if you prefer, can request a phone call allowing you to decide if the cover is what you are looking for.

Apply online for a public liability insurance quote!

Insurance comparison websites are great because they allow you to compare the various different policies available in the market together.  Once you have entered your details into one you should be able to start comparing policies straight away saving time, money and trouble.

We hope that this has helped to show you the real benefits of getting your own insurance quote comparison online. If you would like to talk to an insurance professional then we are happy to help so, if you have any questions, then please call to speak with one of our experienced and UK based consultants right away.

To Compare Public Liability Insurance Quotes Online:

Go to our online Quote System or call us on 0800 084 2325