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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!

Personal belongings Insurance – are you fully covered?

Personal belongings Insurance – are you fully covered?

If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.

While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.

We get claims for:

  • Phones left in taxis
  • Cameras lost on holiday
  • Rings and jewellery that slip off in the sea
  • Wallets and purses left in the supermarket by mistake
  • Leaving your iPod on the train
  • Having your watch stolen from a hotel room

To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.

There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.

 

Why is personal belongings insurance important?

Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.

Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.

 

Is there anything Personal belongings cover won’t cover against?

Yes. It doesn’t cover:

  • Wear and tear
  • Things that are damaged through everyday use (e.g. sports equipment)
  • Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
  • Pets and other animals.

It doesn’t cover things that are used for business, either, which would include:

  • Business cash, credit or debit cards
  • Tools, even if they’re locked up and can’t be seen.

 

Just Quote Me Personal Belongings Insurance Quotes

You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.

Farm Insurance

Farm Insurance

Looking for Farm Insurance?

Just Quote Me have a new approach to Farm Insurance in the UK.

We’ve teamed up with one of the UK’s fastest growing Agricultural Insurance companies who provide specialist Insurance to Farmers in the UK.  Prices are amongst some of the best available in the UK today.

We offer a wide range of Farm Insurance cover from:

  • Farmhouse
  • Farm buildings
  • Livestock
  • Personal accident
  • Machinery
  • Cattle straying
  • Milk contamination
  • Produce
  • Employers’ liability
  • Public liability
  • Commercial

Just Quote Me are confident that we can provide you with the lowest premiums with our Insurers.

Our team of  experts will at the very beginning of the quotation process advise you of any potential clauses or warranties that the policy may have, so you can adhere to these and therefore any potential claims that may arise will be met in full, protecting you and your business.

Our policies include the usual Public Liability Insurance, Employers Liability Insurance.

If you would like a free no obligation quote then call Just Quote Me on 0800 084 2325 or fill out our Quick Quote Form.

 

Why Compare Small Business Insurance Quotes?

Why Compare Small Business Insurance Quotes?

The process of getting your insurance setup or making a renewal is not something everybody enjoys so why spend time over it? It is surely possible to visit an insurance site and purchase the first premium you come across, but it is always recommended you compare small business quotes. Spending time to compare the options available to you may take a little more time but you’ll reap the rewards.

Benefits of Small Business Insurance Comparison

Taking the extra time involved to compare small business quotes can deliver many benefits. Some are instant, speeding up the buying process. Others are most long-lasting and can have a long-term impact; The benefits include:

Cash Saving

It is very unlikely that the first insurance quote you come across is going to be the most cost effective. It is definitely possible but it is unlikely. This is why spending a little time comparing quotes allows you to make a judgement about the best price for your circumstances. You can find the best option for your business quickly and efficiently.

Avoid Single-Insurer Affiliation

You will find sites which have a single insurance sponsor or affiliate. While they offer a range of quote options, you’ll see their affiliated company at the top of the list time and again. Independent brokerages focus on finding the best deal for you. This is instead of ensuring their partners get as many new people signed up as possible.

Multiple Options in Minutes

The speed small business insurance quotes are generated means you won’t have to wait long. Often a single form is enough to provide a wide range of quotes. From there you can begin to make the all-important decision.

At Just Quote Me we employ experienced insurance experts who can help you make the decision between quotes if you’re not sure which is the best option. We work with small businesses in a wide range of sectors. This means we are ready to work with businesses in every sector. Request a call back today to get the ball rolling.

To compare Small Business Quotes Online:

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

Compare Business Insurance Online

Compare Business Insurance Online

Looking to compare Business Insurance quotes online?

Compare Business Insurance Online with Just Quote Me – our Small Business Insurance Online quote and Buy facility is exclusive to Just Quote Me and within just a few minutes you can have your instant online Business Insurance Quote for you to compare.

Our quotes will help you to make an informed decision – should you still require further advice then one of Just Quote Me Business Insurance Experts will call you at a time suitable for you to discuss the small print other providers seem to brush over or indeed not discuss with you.

Just Quote Me are experienced Insurance Brokers and with over 30 years Industry expertise we can provide bespoke covers for any business in the UK and also advise on what covers are needed for New Company Business Insurance and also we offer a free service where our experts will check your current Insurance and advise where there are any missing covers or hidden clauses or excesses and it’s all free to use.

So many policies are bought as a quick fix just to obtain the correct paperwork for people to gain access to properties they want to work on but when a claim arises its then and only then they start to fear the covers they have are not correct and they panic is the policy going to pay out, with our experts we make sure you never have to worry about this again after all we are professional Insurance Brokers not merely a comparison site we make sure you are fully aware of the pitfalls of buying online are removed and you are fully aware of what your Business Insurance is covering.

To Compare Business Insurance Quotes Online:

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

Compare Tradesman’s Liability Insurance

Compare Tradesman’s Liability Insurance

Tradesman’s Liability Insurance is available from Just Quote Me

Just Quote Me offers Tradesmen the ability to compare prices from various Insurers for Tradesman’s Public Liability and Tradesman’s Employers Liability. We have the added benefit of adding tools cover and Contractors All Risks Insurance if required.

There are also various sums Insured from £1m to £5m as standard and then higher limits are available on request.

As we know there are vastly different types of Tradesman in the UK from one man bands to Multi national organisations Employing thousands of employees.  We can offer superb bespoke covers for all of them, some obvious covers required would be Public Liability Insurance and Employers Liability Insurance.  We then have the option to add your tools to the policy whilst you are working away from your home or business premises, this can be invaluable as a Tradesman’s tools are his or her life blood, if they are stolen or damaged beyond repair more than often the replacement costs can be expensive, as they may have be added to year on year and often replacements can run into thousands of pounds.  This is where tools cover can be a must for Tradesman to Insure against possible total loss or theft.

Contractors All Risks Insurance can be a more complex cover, and our team of experts are on hand to advise clients of what exactly this cover is, and what sections each unique risk may need if not all sections available.

Contractors Insurance can cover various things such as your materials being used or in use during a contract, the contract value itself, theft of tools and or work in progress which can include materials already fixed to the fabric of a premises but still being worked upon, after all until a job is signed off to your customer the materials in trade are your responsibility for Insurance purposes, as is own Plant and Machinery, Hired In, or Hired Out Plant can also be included under this particular insurance cover.

What ever covers you need we at Just Quote Me Ltd will be able to tailor make a policy to suit your demands and needs.

To get a FREE no obligation Tradesman’s Liability Insurance quote:

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

Compare Small Business Insurance Online

Compare Small Business Insurance Online

Compare Small Business Insurance Online

A new facility is now available for all Small Businesses owners in the UK, Just Quote Me have a new website quote and buy facility which caters for any Small Businesses needing Insurances where they can visit and Compare in seconds the best Insurance prices for their exact Business activities.

“Our Quote and Buy Small Business Insurance comparison site is the latest and one of the most Innovative systems in the UK today” said Oliver Roberts Managing Director of Just Quote, we want to combine the opportunity for Small Business Owners in the UK to get their own quotations online but then we as Professional Insurance Brokers will arrange to call the Business Owners and at our expense and spend quality time to explain any potential hidden warranties or clauses that the policy may contain this then not only reassures our clients that they have indeed got the best price available in the UK today but also they can adhere to the small print and therefore any potential claim will be paid not repudiated!”

To get a FREE no obligation Small Business Insurance Online quote:

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

Business Insurance Quote

Business Insurance Quote

Looking For Online Business Insurance Quote?

There are various ways to get a Business Insurance quote in the UK. We are experts in the provision of Business Insurance and our team of experts have over 30 years experience in placing risks both over the phone or during a face to face meeting.

Using our online Business Insurance system you are able to get a quick insurance quote or you can call for FREE on 0800 084 2325.  You can choose to pay in full or set up monthly direct debit payments to suit your individual business needs.

Other more complex risks will need our traditional approach were we sit with you at your premises or via a conference call and collate all the information needed to create and provide the best policy that suit your individual company demands and needs.

To get a FREE no obligation Business Insurance quote:

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

 

Compare Business Insurance Online

Compare Small Business Insurance

Compare Small Business Insurance online

Contact Just Quote Me for all your small business insurance quotes online.

Do you need to provide proof of cover for your clients contracts?

Can’t get on site without proof of Public Liability Insurance or Employers Liability Insurance , then look no further than Just Quote Me, we have, over the last two years been busy creating a fantastic platform for you to login and get your own personalised quotations to suit the individual needs of your business.  Please remember that your policy will only cover the business description listed on the schedule, so it’s imperative you make sure all your business activities no matter how small are included in this schedule.

Our small business insurance experts

Our business insurance experts are on hand, and can in an instant give you the expert advice you need if you are unsure of any of the sections needed to complete the online quotation process.  We also offer instalments so you can spread the cost over a ten month period.

Many Tradesman’s insurance policy have warranties and clauses that are not always easy to see or indeed to understand at Just Quote Me we make it our business to ensure you are fully aware of the warranties and clauses so you can be informed whilst running your business on a day to day basis that will help to ensure your policy will indeed indemnify any loss of an insured peril.

Contractors Insurance is also a complex policy often having Contractors all Risks Insurance to cover Contractors tools equipment and materials whilst on site or whilst being used on a contract, this of course accompanies Contractors Public Liability and if required Employers Liability, please be aware that you will need to notify Insurers of any Labour only Sub Contractors and also any Bone-fidelity Sub contractors as to ensure you are fully protected in the event of such a claim arising.

Quality Business Insurance is, in the event of a claim priceless, let us guide you through the buying process and keep you protected.

To get a FREE no obligation Small Business Insurance quote:

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

Compare Professional Indemnity Insurance Quotes

Compare Professional Indemnity Insurance Quotes

A guide to Professional Indemnity Insurance

What exactly is Professional Indemnity Insurance? And do you need it?

Quite simply Professional Indemnity Insurance is a type of Insurance to cover any individual or company that provides a service or advice for a fee. In other words, if you have certificated a piece of equipment as an Electrical contractor and then the equipment causes a loss to the client then this would be a Professional indemnity claim.

Another example would be if, as a professional, you give advice to a company and they follow that advice that causes them a loss then they would be able to make a claim on your Professional Indemnity Insurance too!

More businesses should have this cover

Less than 25% of UK businesses that really should have PI insurance cover actually do so, why is this? Basically it is because either they, or their current insurance providers, don’t understand it. They have more than likely not identified that such an exposure exists within the business and have therefore not catered for it fully.

This is where we can help with our over 30 year’s relevant Insurance industry experience. We can offer not only a free quotation but also specialist advice on how to fully to protect you and or your companies exposure thereby providing you with Professional Indemnity cover that fully suits your requirements.

Why choose Professional Indemnity Insurance Cover?

Why should you purchase this cover if you already have Public and Products Liability cover you may well ask? Well, Public Liability Insurance will basically provide cover for injury etc. to the Public. Products Liability will, in essence, pick up any loss or damage to a third party should a Product that you have supplied fail or be faulty. These will pick up the tangible asset damage but what about the financial loss arising from any advice that you have given? This is where PI (Professional Indemnity) becomes a must have cover.

Do you design something for a professional fee, such as an architect would? If you do, and then, for instance, a builder or manufacturer goes on to build or make the product to your specification, what happens if the item or build isn’t correct and then, as a result, causes a loss to a third party? This again would be a Professional Indemnity claim against you and your insurers which you need to make sure that you, as a responsible business, have got covered.

We can help you with your Insurance questions!

If you are unsure of your real world exposure then please do get in touch with our experts now and, even if only for peace of mind, let us advise you correctly so that you can make a fully informed decision regarding your insurance requirements.

To get a FREE no obligation Professional Indemnity Insurance quote

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

Compare Landlord Insurance Quotes

Compare Landlord Insurance Quotes

Landlords Insurance is a different type of Insurance to standard Home Buildings and contents Insurance, standard Home Insurance policies do not cover many of the contingencies required by Landlords Insurance.

There are various specific unique insurance covers needed such as Property Owners Liability Insurance, this is cover for the Landlord or Property Owner. This will cover for injury to the general Public as part of the Landlords buildings Insurance. A common claim could be, for instance, where a loose roof tile comes off in a storm and hits either a third party person or third party’s property. In such a case it is then that Property Owners Liability Insurance, which is part of the covers JustQuoteMe Landlords Insurance provides, comes into its own.

How do you compare Landlords Insurance quotes and what does it cover?

First of all, compare the small print detail of the Landlords Insurance. Look at each individual section of the policy and compare your shortlisted policies side by side.

Another cover section that is unique to Landlords Insurance or Property Owners Insurance is that this type of Insurance cover helps with Loss Of Rent.

Quite often, during a major loss, the landlord or property owner can be left waiting to get repairs effected and will be in the hands of builders until the repair work is completed. It is one thing to rebuild the property, or repair property damage, but what about the loss of rental income during this period? Well this is where this cover section can prove to be invaluable for property owners and landlords. It means that any of our clients, with Landlords Insurance and Property Owners Insurance cover, can continue with their lives whilst the bricks and mortar are replaced!

And what about the all-important buildings sum insured amount you may ask? Well, what on earth do you, as a landlord seeking property owners insurance, set the sum insured to? Here is a bit of a tip regarding the buildings sum insured – it should be set for the cost of any potential rebuild and not the saleable value of the property!

Remember, a property in for instance London, may sell for ten times the value of a property in the North of the UK, but the rebuild cost is virtually the same. It is the same give or take the varying builders rates in different areas, so be careful when setting the building sum insured! Make sure that it covers just the rebuild cost. We would also always advise a contingency of, say 15%, on top of that figure for debris removal too. This is because the builders will have to clear the site before they can actually make a start and commence the rebuild!

Our Property Owners Insurance and Landlord Insurance Cover

Our unique Landlords Insurance can also accommodate ‘Landlords contents Insurance’. This is great if you provide, for instance, white goods or basic furniture which in the event of a total loss you would want repayment for. In this way, you can mitigate your risk as a property owner and this is another option we can incorporate for you.

Rent guarantee and Landlords legal expenses are another key area that a lot of providers forget to either advise on or can’t actually offer cover for. JustQuoteMe can offer both and, bear in mind, Rent Guarantee Insurance covers the Landlord for loss of rent subject to the tenant not paying the rent. This is known as an insured peril! If you have a large portfolio of property then this type of cover can prove to be invaluable. Finally, Landlords legal expenses covers you for legal disputes with Tenants etc. and assist both parties in, hopefully, coming to an amicable agreement.

Landlords and Property Owners Insurance cover can be a bit of a minefield but, with the right policy in place, you can rest easy with Just Quote Me!

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

Working At Height Insurance

Working At Height Insurance

Working At Height Insurance

If you are working at height then you will need an Insurance policy that can allow cover and Indemnity for various heights such as up to 15 metres or even a policy that offers an “Unlimited Height restriction” these policies can be provided by our expert insurance staff who quote for all different types of occupations who work at unusually high situations.

Just Quote Me can cover all aspects of height work including platform access, rope access, slings cradles, scaffolding platforms, in fact we can cover any modern day method of working at height insurance you can think of.

Some of our clients include safety Netting Installers, Scaffolders and Builders – in fact we cover many different professions that work at above normal heights, standard Insurance policies will cover 0-3 metres or 3-5 metres but bespoke policies are available at great prefixes from Just Quote Me.

With over 30 years experience our experts on on hand every day to give help and advice to anyone working above ground level including those who may use of heat.

Contact us to find out more about Working At Height Insurance:

Get a FREE Working At Height Insurance quote by filling out our Quick Quote form or by calling 0800 084 2325.