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Small Businesses Warned Not To Scrimp On Insurance Polices

Small Businesses Warned Not To Scrimp On Insurance Polices

A report in Money Week suggests that some small companies stopped paying at least one type of insurance during the pandemic in an attempt to reduce their overheads. While in some ways this is understandable, as the lockdown left many businesses fighting for survival, the article warns that cancelling insurance policies is false economy.

It is illegal in some cases for a business to operate without certain types of insurance, and if it is discovered to be doing so, the business owner could face steep fines or other penalties. For example, it is a legal requirement for businesses who employ even just one member of staff to have employers’ liability insurance.

If the business uses a vehicle, it is also required by law to have motor insurance, with a minimum of third-party cover providing £1m of insurance for property damage and an unlimited amount for personal injury.

While it is not always a legal requirement to have public liability insurance, business owners are taking a huge gamble if the company interacts with people who are not employees.

For example, if customers or clients visit the business premises for any reason, and as a result sustain an injury, illness, or damage to their property, they are entitled to claim for compensation. Public liability insurance is designed to help cover any damages awarded to the claimant, and help with legal costs to the business owner.

The pandemic has also highlighted the need for business interruption insurance, which is designed to pay out if the business is unable to trade due to temporary closure of the premises. This could be because of a fire or flood, but small businesses recently successfully challenged for Covid-19 claims in the courts.

While all businesses are free to assess the risk in certain areas of insurance, it can prove a lot more costly in the long run to opt out of certain types of cover.

Looking to compare public liability insurance? Visit our website today.

3 Ways To Profit From Your Empty Office Space

3 Ways To Profit From Your Empty Office Space

The pandemic has changed lives all around the world, and business closures have left hundreds of commercial buildings empty, from offices to shops.

With the announced closure of clothing retailer Gap meaning another shuttered storefront on the high street, landlords may be wondering what can be done with empty properties. We have a look at three ideas to help landlords make a profit from empty commercial spaces.

 

1. Private events

Post-pandemic, many people will be looking for clean spaces to meet up and organise private events, from book clubs, private parties, or exhibitions, your vacant office space could be the key to helping people get back together safely.

 

2. Professional training

Some companies may adopt a permanent remote work policy, and do away with the need for full-time office space. However, they may need a place to host meetings or staff training. Your commercial space could become a meeting room for hire.

 

3. Pop-ups

A pop-up is a short-term retail store, such as a holiday craft shop, summertime brewery, food market, or clothing retailer. They typically last a few days or weeks, which is beneficial if you don’t want to commit to a long-term rental contract. Pop-ups can be excellent ways for businesses to increase brand awareness and revenue.

Whatever you decide to do with your vacant premises, always consider any risks involved, and contact your insurer to find out what coverage you need, such as commercial or public liability insurance. Why not contact us for a quote today?

Do I Need Public Liability Insurance As A Freelancer?

Do I Need Public Liability Insurance As A Freelancer?

If you’re a freelancer, and you work with the public, with third parties’ property, or have visits from third parties at their place of work, then you should have public liability insurance. Should a member of the public get injured or has property damaged as a result of a freelancer’s work, public liability insurance covers the cost of compensation claims and associated legal costs.

The last year has changed the work lives of many people, and some, faced with the prospect of returning to the office after a year or more of working from home, are thinking of quitting their jobs to start working freelance, so we wanted to have look at what insurance you need if you’re taking your first steps into self-employment.

Unless you work in the horse riding business, there is no legal obligation to attain public liability insurance, so it is up to the individual to decide and weigh up the risks of something happening versus the cost of a policy.

Public liability insurance is typically sold in £1 million, £2 million, and £5 million cover limits, but if you’re a small-scale freelancer who does not interact much with the general public, it is unlikely you would need the highest level of cover. Cover typically starts at around £50 to £80 a year for most freelance industries, according to research from NimbleFins.

If freelancer wants to join a trade association or body, they may be required to have public liability insurance as part of the terms of membership, and it could be that certain clients will only work with freelancers if they have a policy in place.

However, it may not be required for all freelancers. If your work is home-based, you do not work directly with clients, or the only contact is through sit-down meetings, the risk of damaging property is probably negligible, and the cost of a policy outweighs the risk.

Insurance is important for a freelancer as there is less financial protection for an individual running their business this way. Unlike a limited company, a freelancer is responsible for all costs.

What is appropriate will differ for every freelancer, but it is strongly advised to look at the insurance needed for a business working in your field and weigh up the risks and cost.

 

If you’re looking for public liability insurance, talk to us today.

What Is Meant By “Deliberate Acts” In Insurance Policies?

What Is Meant By “Deliberate Acts” In Insurance Policies?

The phrase “deliberate acts” is found in many policies, particularly in public liability insurance. However, it is often important to know exactly how this applies in practice.

As a recent Supreme Court case will attest, liability is a somewhat complex part of an insurance policy and the more that is understood about what liability is and what insurance policies cover, the better.

Liability, put as simply as possible, is the person or business who is held to be legally responsible for an event or action, and therefore must face the consequences of these actions.

The most basic examples of these are the responsibility if a product causes illness or injury (product liability), responsibility for the safety of employees (worker’s compensation and/or employment practices liability), and injuries that take place on/in a place of business (public liability).

The latter example is one of the broadest types of insurance and can vary wildly depending on the type of business, whether it is public-facing, serves alcohol and other factors.

Generally, exceptions to public liability insurance are covered by other insurance types, such as property damage and employee liability. However, one key clause that is almost always exempt from liability insurance is deliberate acts.

Deliberate acts is a phrase that appears to be simple; any act intentionally undertaken by a business that they become liable for is not covered. However, it is not always that simple.

There are cases where a person or business’s inaction makes them liable, such as continuing work when it could put a bystander in danger, but this also has to be willful and deliberate.

Recklessness was not enough to constitute a deliberate act, even if this would have been the case for criminal ordinary liability.

What Types Of Liability Insurance Are There?

What Types Of Liability Insurance Are There?

Liability is a risk that is common to nearly every business out there, as there is always a possibility, however slim in some cases, that a business may face legal challenges and lawsuits, which would require funding a legal defence team or paying damages.

Liability insurance, also known as third-party insurance helps to fund the defence and payout to people who are not insured by the policy.

Depending on the business in question, there are typically three types of liability that most businesses either should or in some cases must get in order to safely run a business in the UK.

 

Employers Liability Insurance

When a business begins to employ staff they must purchase adequate Employers’ Liability insurance, and can even be fined £2,500 every day they do not have the right insurance.

Employers liability insurance, or worker’s compensation, pays compensation to any employee who is injured or becomes ill as a result of the work they undertake for you.

It ensures that money will be available to deal with any injury claims made, as well as covering any legal costs for any action taken against the business or any employee, director or partner in it.

 

Public Liability

Public liability insurance works similarly to Employers’ Liability insurance, with the primary difference being that instead of protecting against workers filing suit it instead protects against members of the public who make a legal claim.

If something happens at your work that injures a customer, a bystander or damages someone else’s property, the business is liable, even if it does not happen on your premises.

 

Product Liability

For businesses that produce, manufacture or distribute a tangible physical product to the public, injuries caused by these products are the responsibility of these businesses.

Product liability covers the cost of compensation and the legal costs associated with it.

 

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.

Small Businesses Warned Not To Scrimp On Insurance Polices

What level of Public Liability Insurance cover do I need?

Just Quote Me can help with your Public Liability Insurance Cover!

Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.

Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.

Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.

What level of Public Liability Cover do I need?

The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.

When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.

Running the Risk of No Public Liability Insurance

Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.

Affordable, Comprehensive Insurance Policies from Just Quote Me

Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.

If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.

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!

Plumber’s Public Liability Insurance

Plumber’s Public Liability Insurance

As a plumber working in the property of your clients, you have a higher chance of risk. Every property is different and one mistake, not being aware of your surroundings can lead to damage. This is why it is essential to have plumber’s public liability insurance.

Why do plumbers need plumber’s public liability insurance?

All tradespeople need public liability insurance to protect themselves. Public liability can help to cover compensation should you cause property damage or injury to an individual. For plumbers, the risk is often greater. Furthermore, plumbers have the chance to cause even greater (more expensive) property damage as a result of a mistake.

It is important to remember that compensation can be exorbitant. However, defending a claim in court can lead to costly legal costs too. Not having this money could significantly damage your business. With insurance, you have peace of mind that you can cover the cost of a claim.

What is plumber’s public liability insurance?

Plumber’s public liability insurance is a specific form of public liability insurance. The cover options can have levels of indemnity of £1 million. This is usually the minimum amount. However, can extend to £5 million and beyond, depending on the needs of your business. It is up to your business to decide on the most appropriate cover for your business.

Don’t forget that it can help to pay for expensive legal fees, which you will have to pay even if you are not responsible.

The cost of plumber’s public liability insurance can vary depending on the risk and size of your business as well as the level of cover you want. Just Quote Me will scour the market to find you the very best deals at the best possible price.

Do you have questions about plumber’s public liability Insurance?

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

Public Liability Insurance

Public Liability Insurance

Public Liability Insurance

Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:

– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.

– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.

The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.

How are such public liability compensation claims made?

To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.

Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.

Let’s look at a public liability compensation claim:

The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.

Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open.  Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.

There was no warning sign erected or protective barrier erected to ensure that the public were safe.

He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”

His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.

Do you have questions about Public Liability Insurance?

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

Does My Business Need Public Liability Insurance?

Does My Business Need Public Liability Insurance?

If your business has any contact with members of the public then investing in public liability insurance is a smart choice. This type of insurance protects your business if it is sued for injuries or damage. Almost every type of business will have some contact with the public so almost every type of business needs public liability insurance.

Are your Legally Required to have Public Liability Insurance?

Public liability insurance is not a legal requirement. However, many businesses recognise its value and have it protect them from the costs of compensation. What’s more, many business associations and groups will not accept members who do not have an appropriate level of public liability insurance. This can also be the case with contracts and you may find clients will only work with you if you have a good level of public liability insurance.

Public liability insurance is a good investment for businesses who:

  • Have customers visiting their premises such as shops and restaurants
  • Work on client sites such as tradesmen entering homes and business premises
  • Work in public, such as in construction, where there is a risk to passers by

Public liability insurance is not something you have to have but could your business really handle the cost of a compensation claim? For many businesses, it would mean the end of operations and closure and the cost of insurance is very minimal when you consider this outcome.

Public Liability Insurance with Just Quote Me

Getting in contact with Just Quote Me is one way of ensuring you have a choice of public liability insurance options. Our team will work with you to find the best value and most appropriate quote for your business. The level of public liability insurance you require will depend on many factors and we can discuss your options with you before you need to make a decision. Contact us today to discuss your business and public liability requirements.