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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 recruitment agencies need insurance

Why recruitment agencies need insurance

In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.

Know your exposures:
  • Failure to perform required background checks on candidates
  • Placing a candidate who does not have the suitable experience or qualities for a role
  • Passing a CV to an existing employer or third party without a candidate’s expressed consent
  • Vicarious liability arising out of actions of on-hired employees

A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.

The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.

The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.

The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:

  • Have professional indemnity insurance
  • Keep good records of all your interactions with clients
  • Understand your obligations when prospecting and vetting candidates
  • Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;

Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.

Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.

Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.

Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.

Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.

Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.

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!

Amusement Arcade Insurance Quote

Amusement Arcade Insurance Quote

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.

Simple Business Insurance

Simple Business Insurance

Looking for Simple Business Insurance?

Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – www.justquoteme.co.uk

The process is easy.  All you need to do is call for FREE on 0800 084 2325 or enter your details into our Online Quotation form and then our Quote and Buy system will compare Simple Business Insurance Quotes from our various Insurers.

Simple Business Insurance is available to over 3500 different occupations and the types of insurance we offer cover any of the following:

We have them all covered via our Simple Business Quotation system – Our clients are proof of just how fantastic this system is why not try for yourself – after all it’s free!

For Simple Business Insurance visit www.justquoteme.co.uk now and see how much you could save. Great prices, exceptional covers!

We’ve launched our business and personal insurance website

We’ve launched our business and personal insurance website

Our new online Insurance website is for quick business and personal insurance quotes

We’ve just launched our new website.  Just Quote Me is an online insurance company that offers fast, simple business and personal insurance.

We offer a wide range of insurances from business to personal including:

Business Insurance

Business Insurance
Vehicle Fleet Insurance
Commercial Combined Insurance
Shop / office Insurance
Landlord Insurance
Cyber Liability/ Data protection Insurance
Public Liability Insurance
Employers Liability Insurance
Shop Insurance
Security Company Insurance
LPG Business Insurance
Pub, Club & restaurant Insurance
Tradesman’s Insurance Contractors All Risk Insurance
Food Hygiene Ratings Insurance
Scores on the Doors Insurance
Eat Safe Insurance
Professional Indemnity Insurance
Takeaways & Fast Food Outlets Insurance
Hotels & Guesthouses Insurance
Commercial Letting Insurance
Mortgage Brokers PI Insurance
Offices & Surgeries Insurance
Estate & letting agents

Personal Insurance

Car Insurance
Van Insurance
Home Insurance
Travel Insurance
Multiple Vehicle Insurance
Life Insurance
Mortgage Insurance
Pensions Insurance
Investments Insurance
Key man Insurance

Just Quote Me Ltd is a registered company in England and Wales. Registration number 7773836

If you would like a business or personal insurance quote please contact Just Quote Me on: 0800 084 2325