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Side-Hustlers Advised To Check Their Insurance Cover Needs

Side-Hustlers Advised To Check Their Insurance Cover Needs

Over one million people in the UK now have a secondary income from a business which they started during the lockdown, The Express newspaper reports. If you have started a side hustle lately, the publication warns that running a business from private premises can leave you liable to a multitude of compensation claims.

Whether out of necessity to generate income, or as a once-in-a-lifetime opportunity to follow their dreams after being furloughed, many people launched a small business from their homes or became self-employed in the last 18 months. However, without the correct documentation, these people could be putting themselves at great financial risk.

The article explains some of the most common risks for side businesses.

 

Home cooking

Baking cupcakes in your kitchen to sell online may seem like a harmless enough activity, but if your kitchen should catch fire and burn down while the cakes are baking, your regular home insurance may be invalid, and any equipment and stock may not be covered.

You will also need mandatory food safety licences, or you may be facing a compensation claim from a customer who has fallen ill with food poisoning. To protect you against being sued for any accidental damage or injuries, you must take out public liability insurance.

 

Personal training

With gyms forced to close for long periods, many employees started their own online or outdoor training sessions. However, trainers are advised to take on professional liability insurance, so they are covered in case anyone decides to sue for personal injury inflected during a class, equipment malfunction, incorrect advice, and a host of other risks.

If clients are invited into the trainer’s home or garden for exercise, then the correct type of public liability insurance must be taken out to protect them for loss or injury suffered on the premises.

 

If you are looking for small business insurance, visit our website today.

Why Do you Need Small Business Insurance?

Why Do you Need Small Business Insurance?

Small business insurance is a valuable protection for your business. It helps to support your business financially in the event of claims for losses or damages. It can help keep businesses afloat or get them back up and running. Some insurance policies will provide cover when a business has to close unexpectedly and can be crucial in ensuring you don’t have to shut up shop permanently.

Some types of small business insurance may be mandatory dependent on your profession and also simply by law. Employer’s liability insurance, for example, is not an option if you have any employees and you legally must have this kind of policy in place. Other types of cover may be optional, but they can protect your business in the event of:

  1. Unexpected business interruption
  2. Damage to your property or stock
  3. Claims made by customers or other third parties

Do I need Specialist Small Business Insurance?

There are general business insurance policies on the market, but most insurers have moved on to provide more specific options for certain types of business. The small business insurance you need will obviously differ whether you run a café or a marketing business. Considerations such as your business premises are relevant and individual risk assessments are key to ascertaining the insurance you need.

You need to assess the risks that your business faces and choose the right insurance based on that. Small businesses that provide advice and professional expertise such as accountants will certainly want to consider professional indemnity insurance, whereas if you run your own small bakery, this is less important, but you will need to look at employer’s liability to abide with the law should you employ any staff.

Working from home does not mean you do not need small business insurance. You should still consider protecting your business and ensuring you have a safeguard in the event of unexpected events.

Small Business Insurance with Just Quote Me

We work with many businesses on a daily basis helping to find the right insurance for their needs. Just Quote Me can offer quotes from a range of providers, giving you a range of options. Contact us today to look more closely at your small business insurance options.

Small Business Insurance Quote

Small Business Insurance Quote

Are you looking for a small business insurance quote in the UK?

The good news is that Just Quote Me can help.

The insurance team at Just Quote Me understand that every business is different and that the insurance policies that they need to reflect this.  

Just Quote Me can provide the right small business insurance cover wherever you are based in the UK

Just Quote Me have arranged the most appropriate cover for many satisfied customers regardless of what profession they are in.  Visit our Business Insurance section to find out more useful information or call us today for a free no obligation quote.

Business Insurance is important to your company 

Don’t make the mistake of assuming that business insurance is a luxury that you do not really need to have. It’s important you consider the various types of cover available such as:

  • Public Liability Insurance
  • Employers Liability Insurance
  • Working at Height Insurance
  • Key Man Insurance
  • Motor Fleet Insurance
  • Restaurants & Cafes Insurance
  • General Contractors Insurance
  • Cleaning Contractors Insurance
  • Residential Lettings Insurance
  • Estate Agents Insurance
  • Letting Agents Insurance
  • Mortgage Brokers PI Insurance
  • Commercial Lettings Insurance
  • Hotels & Guesthouses Insurance
  • Takeaways and Fastfood Outlets Insurance
  • Professional Indemnity Insurance
  • Tradesman Insurance
  • Pub, Club and Restaurant Insurance
  • LPG Business Insurance
  • Security Company Insurance
  • Shop Insurance
  • Cyber Liability Insurance
  • Landlord Insurance
  • Office Insurance
  • Commercial Combined Insurance
  • Motor Trade Insurance
  • Investments Insurance
  • Pension Insurance
  • Life Insurance
  • Multiple Vehicle Insurance
  • Car Insurance
  • Van Insurance

Just Quote Me has been a leader in the insurance field for nearly three decades, protecting businesses across the UK from those unexpected claims that can arise from time to time, often through no particular fault of their own.

To discuss your small business insurance needs call 0800 0842 325 today. We are here waiting for your call and only too happy to help.

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

Explore Commercial Insurance Quotes Online

Explore Commercial Insurance Quotes Online

The most common way of finding commercial insurance quotes, or in fact all insurance quotes, is to use the internet. Commercial insurance quotes online are often easily accessible and there are a range of ways you can explore the different options open to you. Opting to use the web rather than other methods is speedy, efficient and you can have your insurance setup very quickly.

Commercial insurance brings together a suite of different premiums and products which are essential for commercial business owners.

What is included in Commercial Insurance?

Commercial insurance can be made up of a range of different things. In most instances it will at least include:

These policies cover your business in a range of different situations. They ensure cover for your legal expenses in the event of a claim, as well as any compensation or damages you may have to pay.

Commercial Insurance Quotes Online

Dependent on the type of business you run, you may need to select different types of policy as part of your commercial insurance. If you are not sure, you can contact the insurance experts at Just Quote Me. We work with businesses and commercial enterprises of all sizes. We can help advise which kinds of policy you need and what products are particularly important for your business.

It doesn’t matter how large or small your business is, a compensation claim can be costly. It can be enough to several damage your business’ capital and in some instances, can lead to businesses closing down. By making sure you have the appropriate commercial insurance cover you are protecting your business against this financial risk.

Different insurers understandably offer different packages and prices which is why you should explore a range of commercial insurance quotes online. If you need any guidance in making the right decision, you can contact Just Quote Me.

To compare Commercial Insurance Quotes Online:

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

Small Business Insurance UK

Small Business Insurance UK

Are you a small business in need of insurance?

Just Quote Me has been providing bespoke small business insurance quotes to businesses throughout the UK for over 30 years, So when you’re looking for insurance that provides you with the cover that you need, look no further than Just Quote Me.

Whether  you’re an established business or a new start-up, it’s so important to invest in to right business insurance policy, that meets your specific needs.

Many small business insurance owners feel that their business insurance is an expense that they simply can’t afford or that it is a luxury reserved for more established companies.

This is couldn’t be further from the truth. However long your business has been in existence, business insurance is something that you simply can’t do without and should be incorporated into your budget.

What’s more, when you purchase cover through Just Quote Me, you won’t find yourself paying over the odds. Just Quote Me works with many of the UK’s leading insurers in order to provide you with access to the most affordable insurance to suit your needs.

Whatever your trade or profession contact us today to obtain a fantastic quote.

To Compare Small Business Insurance Quotes:

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

Compare Small Business Insurance

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 Small Business Insurance

Small Business Insurance

Are you looking for Small Business Insurance?

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.

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.

If you prefer to call us – 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.

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