Bed and Breakfast Insurance

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Have complete peace of mind with bed and breakfast insurance

A bed and breakfast is a business much like any other, but with one key difference – it isn’t only your livelihood, it’s your home as well. This means it’s vital to be prepared for anything that could come your way to ensure your investment is properly protected, and in order to do that you need to look for comprehensive bed and breakfast insurance for complete peace of mind.

Having such a policy is essential as it provides valuable financial recourse should things go wrong. Not only do you need to be prepared for the usual risks that could befall a home (such as theft of contents or damage to the building itself), but you need to be prepared for commercial risks as well – your income is on the line and any third party claims or financial loss could be devastating to your business, so it’s essential you put plans in place to protect your finances from any possible issues.

What to look for in a policy

Given the importance of this type of guest house insurance, it’s essential you’ve got a comprehensive level of cover that can provide the protection that you need. Of course, you need to make sure that you’re getting a policy that’s tailored to your individual circumstances, but as a baseline you’ll probably want to look for the following

  • Public liability cover. This is essential when you’re dealing with members of the public – if they were to become injured or their property damaged as a result of your business (perhaps through a mistake or negligence of some kind) they’d be entitled to sue for compensation, but with this level of protection you may not have to pay claims out of your own pocket.
  • Employers’ liability cover. This is a legal requirement if you hire more than one employee, so if you’ve got cleaners or chefs on your payroll you’ll need to make sure you’ve got this level of cover in place. You’re responsible for their health and safety and if they became injured or ill as a result of their work you’d be held liable, and this cover protects you against any claims being made.
  • Business interruption. If your business couldn’t operate for any reason (perhaps due to damage from a flood or storm, for example) your livelihood could suffer, but if you’ve got this type of protection you’ll be able to recoup some of your losses.
  • Buildings and contents cover. This type of cover is essential in any home and a bed and breakfast is no exception, and it’s vital you’ve got adequate cover to include accidental damage caused by guests as well as all other necessary precautions.

This is of course just the beginning, and you could well find you need to alter your level of cover according to your individual business needs. That’s why it’s so important to head to specialist insurers who can built their policy around you – you need something that’s tailor-made to provide the precise level of protection that you need, not only ensuring you’re adequately protected but also making sure that you’re not wasting money on features that aren’t necessary.

This all comes down to research and finding the firm who can accommodate your requirements, and if you make sure to look for additional benefits (such as 24-hour claims lines, the option of paying by monthly Direct Debit instalments, instant quotes and swift claims processes) you’ll have a policy that satisfies on all levels. Always head online to see what’s out there – it’s here you’ll have access to a huge range of options and will often be able to find great deals in the process, and with many insurance companies letting you arrange your policy there and then you’ll have the perfect level of cover before you know it.

Be prepared for any exclusions and limitations

As with most insurance policies, there will always be certain exclusions and limitations buried in the small print somewhere. It’s vital to be aware of these before you sign on the dotted line as if you’re not familiar with them it could come as a huge shock should you need to make a claim – it could easily mean the claim you were relying on won’t be upheld, and while each insurance company will be slightly different in terms of what they offer, here are just a few things you’d be wise to double-check:

  • Are you required to keep your property in a good state of repair? Failing to stay on top of any maintenance issues could cause problems with your insurance firm and could affect the validity of your policy.
  • Is your bed and breakfast situated near a river, quarry, watercourse or cliff? Some insurance companies won’t even offer cover if you’re a certain distance from any of these features, and don’t think about omitting that information either – not only will any claims be invalid but you’d have wasted money in the process.
  • Has your property ever suffered from subsidence, or is it in an area known to be afflicted with it? This could mean your insurance premiums are drastically affected and you may not be offered cover at all, and again, if you don’t disclose that information it could prove damaging in the long run.
  • Do you need to inform your insurer of any change to the property? Most insurance companies will stipulate that they need to be kept up-to-date of any changes, such as extensions or an increase in the number of bedrooms (as some will have limits on the number of rooms they’ll insure), so always make sure to comply.

Protect your investment as you serve your customers

As a bed and breakfast owner you’re dedicated to providing an exceptional standard of service to your guests to ensure they have a holiday to remember, but it’s important to think of yourself as well. Investing in adequate bed and breakfast insurance is essential and will ensure you can give customers a great experience without having any financial concerns at the back of your mind, so always make sure to source a suitable policy and you can protect your investment and run your business in confidence.

Business Insurance

Running a business can be tough. You’ve got a lot of responsibilities and obligations to uphold, and plenty of financial issues that need to be dealt with if you want to be operating safely and legally. Business insurance is an essential consideration and should always be invested in before you start trading, so it’s important to have a thorough understanding of what’s involved.

There are two distinct types of insurance that you’ll want to consider in this field, namely public liability insurance and employers’ liability insurance. These types of cover tend to come in a joint policy but your need for each will vary according to your individual requirements, so here’s a quick overview to help.

Public liability insurance. As the name suggests, this type of insurance offers valuable financial protection when dealing with the public. It provides cover if you have to pay compensation to a client, contractor or individual due to property damage or accidental injury, and could be required if (for example) someone suffers an injury when on your premises or if your employees damage property when at a client’s office.

Employers’ liability insurance. This type of cover deals with your employees themselves. When you hire someone you’re responsible for their health and safety when in the workplace, and if they suffer an accident or claim physical or mental illness then you’ll be responsible for any compensation claims they make.

Both of these types of insurance provide valuable assistance should someone make a claim against you, ensuring you don’t have to pay any compensation out of your own pocket. Considering the cost of many claims you’d be well-advised to invest in an appropriate level of cover, and with many insurers offering policies for small, medium and large businesses it’s worth researching accordingly.

The price of your premiums will always depend on the level of protection you need, the size of your business and the limits of your cover, so make sure to discuss your individual requirements with your potential insurer if you want to have adequate protection.

With public and employers’ liability insurance you can be confident that your business is operating safely and legally with your financial interests at heart. (You might also want to consider professional indemnity insurance as an addition, but that’s another story.) With adequate business insurance you can be confident that everything is operating as it should be and that any claims made against you will be covered, allowing you to focus on the more important things – running your business.

Public Liability Insurance

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If you work in a setting whether members of the public, clients or customers visit your business premises, it is important that you consider the benefits to public liability insurance. This type of cover is designed to protect you should someone become injured on your premises, or by you and your property. Public liability insurance will cover the costs of any legal fees, expenses and compensation which might result from a third party making a claim against you. However, it is very important that you realise that this insurance does not provide protection for your employees; you would require employers’ liability insurance.

Public liability insurance is not legally required in the UK, but it provides your business with essential protection. The law states that businesses or individuals are responsible for paying the losses caused by their business or employees, and without insurance cover, you are solely responsible for paying these costs at a loss. If you are not protected, you are open to paying for compensation awards, which can be significant lump sums, and very high legal defence costs. Before risking trading without public liability insurance, it is imperative that you consider how you would cover these costs. For small businesses, this could lead to you having to sell your house or other assets.

The amount of cover you require will depend on the size and nature of your business, but it is standard for small businesses to obtain up to £1 million of public liability insurance. Although large amounts of cover are required compared to other forms of insurance, the annual premiums are generally reasonable. When you consider the millions of pounds you could be paying out in the event of an accident, the annual premiums are very affordable.

Unfortunately many businesses in the UK decide to chance operating without public liability insurance as they do not see the risk involved. An example of an unexpected incident could be if you run a hairdressing business and when a customer comes in to book an appointment, they trip on a piece of flooring. Without public liability insurance, you could end up paying for the following:

• Evidence collection by your solicitor
• Solicitor, barrister and court fees if there is a court hearing
• Compensation, medical costs, legal fees for both parties if you lose the case

It is in the interest of your business to invest in public liability insurance before it is too late.

UK Tradesman Insurance Quotes

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Tradesman insurance is designed to protect those people who work in other people’s homes, or on customer’s premises, or commercial properties. The term ‘tradesman’ usually refers to plumbers, electricians, buildings, decorators, cleaners but can cover a wide range of trades. If you are unsure as to whether the insurance provider is able to offer you tradesman insurance, contact them to confirm first.

If you are looking for your first tradesman insurance policy, you might wonder what is able to offer you. There are usually a couple of core policies included into your insurance, with the option to add on extras if necessary. Two absolutely essential insurance policies which must be incorporated into the most basic of tradesman insurance are public liability insurance and employers’ liability.

Public liability insurance provides cover for tradesman in the event that any damage to a member of the public, or their property is caused by you or the business. You will be covered for any legal fees, other costs and expenses, and hospital treatment. Employers’ liability is required by law if you employ members of staff, as this covers you financially in the event that anyone is injured or becomes ill due to work.

Holding these two policies is extremely important, but it is also essential that you consider where else you might be at risk. More often than not a basic tradesman insurance policy is not enough to protect you or your business, and you might need to consider extras such as:

• Professional indemnity – form of insurance providing cover in the event of any professional negligence by breach of duty of care.

• Tools cover – as a tradesman the chances are you have a lot of money invested into tools, whether they are hand tools, power tools or any other equipment. Without the tools to do the job, you can’t do the job. Protect the lifeline of your business and ensure that you have adequate tool cover in the event of theft, loss or damage.

• Stock cover – if you have any stock on your business premises, or even in storage, it could get stolen. Protect yourself by ensuring that you include stock cover into your tradesman insurance.

• Revenue protection – this helps protect your business if you are forced to cease trading through no fault of your own. The insurance should offset your lost income, but it is also possible to see if you can get financial assistance to start up your business once again.

Surgery Insurance for Doctors Dentists GP

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Surgery insurance is an absolutely essential investment in order to protect you, tailored to suit doctors, dentists, vets, osteopaths, chiropractors and alternative therapists, it must be a priority for any business. By communicating with a respected insurance provider, you should be able to understand what exactly you require insurance cover for. Running a surgery presents its own set of challenges, which are unique to any other working environment, so it is important that your surgery insurance policy reflects this.

There are numerous things to take into consideration when thinking about surgery insurance, for example, you must remember about the potential theft of computers and other IT equipment, but you might also require cover in the event of damage by flood or fire which could prevent you from trading. There are many risks to running a surgery, and to ensure that you and your business are never out of pocket, it is highly recommended that you invest in adequate surgery insurance.

You should expect a surgery insurance policy to cover the following as standard with the ability to include additional cover if required:

• Business contents cover: protects your furniture, equipment, and any stock, usually up to approximately £2 million, but this could be increased

• Employers’ liability cover: this is legally required if you employ staff, and is designed to provide financial protection for damages, legal costs and expenses, should a member of staff become injured at work

• Public and product liability cover: this is essential if you come into contact with the public in your surgery, which no doubt you will. If a member of the public, or their property is damaged or injured, you will need financial protection.

• Loss of income: this usually only applies if it is caused by an insured event, but could help you out when times are tough through no fault of your own.
When looking for a surgery insurance quotation, it is strongly advised that you know the value of your business’ contents and equipment, the rebuild value of your property, and the details of any loss, damage, injury or disability in the last 3 years.

Once you have your surgery insurance policy up and running, you will be safe in the knowledge that you have adequate financial protection in almost any eventuality. If the circumstances of your business change, ensure that you inform your insurance provider as soon as possible, as it could save you money on your annual premium.

Compare Office Insurance Quotes – Home Office too

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When starting a business there are many things to take into consideration so it can be quite tempting to ignore investing into office insurance. However, some aspects of office insurance are required by UK law dependent upon your business. Let’s take employer liability insurance as an example – you are legally required to obtain this cover if you employ anyone outside of your immediate family. This will provide financial cover in the event of an employee making a claim against you for an accident at work or the home office.

Office insurance is made up from several insurance policies, and is usually customised to your needs, rather than a standard policy. You can save money on the cost of your annual premium by not taking out additional policies within your office insurance, however, it is important to remember that if something unexpected were to happen, you could easily end up out of pocket.

For office owners, contents insurance is usually one of the types of insurance which is often overlooked as unnecessary, but have you considered your computers, mobile phones, files, stationary, desks etc. all this can add up to a great cost if do not have adequate insurance cover. Other types of insurance which you must consider adding to your office insurance policy are Loss of Revenue which will cover you in the event that you are unable to trade, public and product liability insurance, buildings cover, and professional indemnity insurance.

It is essential that you discuss your requirements with an experienced insurance provider who can offer you the level of cover you require. As you can imagine, a home-based office with a couple of employees would not need the same type of policy as a multinational corporation employing thousands of people. However, some of the risks are the same no matter how big your business is – having a small office does not make you exempt. How would you cope financially if your office was completely flooded or set on fire, ruining all of your equipment and meaning that you would be unable to trade for a number of weeks? Would your business be able to survive?

It is always highly recommended that every office has some sort of office insurance policy in place but the level of cover will depend on your budget and type of business. Ensure that your business won’t end up going out of business through a lack of office insurance.

Public House Insurance – Compare Quotes

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If you run a pub or wine bar, you will be well aware of the time commitment and investment involved, so it is essential that you do not waste your time and money by not having an adequate pub insurance policy. Pub insurance should include a number of policies which you have probably heard of, but most important are public liability insurance, buildings and content insurance, and employers’ liability insurance.

Why would I need these as a part of my pub insurance?
Public liability should be essential if you are in contact with the public, as if someone were to injure themselves on your property you could end up with a claim being made against you. As a pub is a place that someone might be intoxicated, an accident is probably far more likely than anywhere else, making this a priority for your pub insurance.
Buildings and contents will cover you in the event that something become damaged due to fire, theft, flood or other risks. This is the same sort of policy that you will have covering your home, but it is just as important to include it into your pub insurance policy.
If you employ people outside of your immediate family, you will need employers’ liability insurance by law. This will protect in the event of any legal action from an employee.

What else could I add on to my pub insurance policy?
Although the above should be included in any pub insurance policy, there are added extras such as money cover, glass cover, personal assault, business interruption, and loss of alcohol licence protection. These may seem unnecessary, but unless you are covered for every eventuality, you might find yourself and your pub out of pocket.

Business interruption insurance is one policy you might wish to incorporate into your public house insurance policy as this will protect you in the event that you are unable to trade from your premises, through no fault of your own.

Prices for pub insurance do vary depending on the level of cover you choose, but by using online price comparison tools, you can check to see you are getting the best policy for your money. By discussing your requirements with an experienced provider, you will ensure that you are covered for what you need to protect your pub and yourself, but that you are not paying for cover that you will never make use of.

Cheap Shop Insurance Quotes – Compare Online

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Shop insurance is an essential form of cover for shop owners, as it covers a wide range of risks associated with owning and running a business. It is usually made up from different insurance types and combined into one suitable shop insurance policy. As shop insurance is tailored to suit your needs, rather than a ‘one size fits all’ off the shelf policy, it is imperative that you fully understand your requirements before obtaining a policy. For example, your policy will differ is you come into personal contact with customers and suppliers, or whether you sell electrical products.

If you employ staff outside of your immediate family then your first port of call is employer liability insurance which is required by UK law. The purpose of this insurance is to provide cover against claims from staff who are injured or become ill as a result of their work. On top of this cover, you need to consider whether you need to include any of the following into your shop insurance policy:
• Public liability insurance
• Product liability insurance
• Buildings or content insurance
• Legal expenses insurance
• Trade credit insurance
• Business interruption insurance
• Books debt insurance

The chances are that you will need to incorporate at least 4 of these policy options into your shop insurance, buildings & contents, public liability, product liability and business interruption. Business interruption cover is also known as Loss of Profits or Consequential Loss, with the idea being that it is able to provide financial assurance in the event that you lose turnover or you are unable to trade. Aside from your customers, the lifeline of your shop is your staff and products, so ensure that these are protected by including business interruption cover into your shop insurance policy.

Although it is important to ensure that you are adequately covered for any eventuality, it is just as important to check that you are not paying over the odds for aspects of shop insurance that you will never use. Ensure that you have a satisfactory level of cover for your needs, and always ask the provider what they are covering you for. There are a number of general policy exclusions with shop insurance, these can include anything from vacant and disused premises being exempt, to wear and tear, to damage caused to products by sunlight/fading; or even theft if it does not involve forced entry.

Dog Grooming Insurance

People are all too quick to blame these days, making insurance for just about everything an essential consideration. Dog grooming insurance is no exception. If you’re a dog groomer it’s vital that you’re completely insured against anything that could happen to the dog whilst it’s in your care, as you don’t want to be personally liable for any financial implications.

Running a dog grooming business takes a lot more consideration than would originally be thought. The dogs you’re looking after are someone’s pride and joy, and if anything went wrong you’d be liable to suffer great consequences. Accident or injury to the dog itself is always a risk no matter how careful you may be, as is losing the dog when it’s in your possession. It’s never nice to think about, but it pays to be prepared.

Dog grooming insurance covers you against any such eventualities. If you’re completely insured you won’t suffer the financial consequences of injuring or losing a dog, and a lot of the time the equipment used in your business can be insured as well to make sure you don’t lose out if anything were to be damaged, stolen or vandalised in any way.

A lot of policies also include employers and public liability cover, which is essential to protect you against any implications if a member of the public or an employee were to be injured on your property. Personal accident cover is also often included, sometimes as an added extra, which should always be considered just in case an accident or injury left you unable to work.

Many dog grooming insurance providers will let you tailor-make your policy to suit you and your business. Some will offer certain aspects as standard while with others they’ll be an added extra, but always make sure that you’re getting the level of cover that you need to suit you.

This type of insurance is incredibly specialised, and often you’ll have to do much more research than you normally would for other policies. It’s often advisable to seek out specialist pet insurance providers or even niche insurers, as it’s at these places that you’ll be able to get the level of cover that you’re looking for.

So, dog grooming insurance is essential for anyone who runs a dog grooming business. It protects your interests on the off-chance that the worst were to happen, as no matter how much we try to be prepared accidents can always happen. If you don’t want to suffer the financial consequences always make sure you’re covered, so spend the time to find the dog grooming insurance that is right for the needs of your business.

Cattery Insurance

Owning a business comes with numerous financial risks and obligations, and that’s why insurance is an essential consideration. Cattery insurance is just as vital, as if you’re looking after someone else’s pet you need to be prepared for anything that could happen.

Cattery insurance should, at the very least, include public and employer’s liability as well as buildings insurance. This protects you in the event that any employee or third party were to be injured whilst on your property, and buildings insurance covers the cost of any damage that could occur to the business itself be it through fire, theft or some other disastrous event.

Another essential consideration when it comes to cattery insurance is of course the cats themselves. People trust you to look after their valued pets, and if anything were to happen they’d be looking to blame someone – you. Now, insurance to cover the animals isn’t technically required as a lot of cats are already insured, but it gives you valuable peace of mind that everything’s covered.

Vets bills can quickly add up, and if a cat was to become ill or injured whilst in your care you need to be able to solve the problem as quickly as possible. Although the cat may well already be insured it’s still a good idea to have a cat insurance policy of your own, as vets bills need to be paid upfront either out of your own pocket or by passing the bill onto the owner. But, if you did that, would they use your services again?

Having adequate cattery insurance in place is a great way to encourage interest in your business. Owners will be safe in the knowledge that their pet is being properly taken care of, and if anything were to happen that was your fault they know that they won’t have to pay out of their own pocket. Theft is also often included in such insurance policies, and a lot of them will even offer extras such as advertising or rewards costs if a cat were to go missing.

So, cattery insurance is always worth having for anyone who owns a cattery business. It’s there to protect your financial interests as well as those of the owners, and can give both parties valuable peace of mind that everything’s under control. As long as you do your research you’re bound to be able to find the right policy, just make sure to check the small print to ensure you’re getting just what you’re looking for.

Cheap Landlords Insurance

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Owning a buy-to-let property can be a great decision. It can give you a valuable second income and, if you choose the right tenants, you can be sure that your home is being looked after in your absence. However, it’s always going to be necessary to insure your property against any damage, and that’s why having adequate yet cheap landlords insurance in place is vital.

Landlords insurance is not only a legal requirement but it also protects your property against any accidental damage, either by the tenants themselves or through storms, floods or any other peril out of their control. This can be invaluable as you can never be sure of what’s around the corner, so it’s always wise to be fully-covered in the event of an accident occurring.

Most landlords insurance will include buildings and contents cover as standard, meaning that you’re covered for any structural damage as well as any theft or damage of possessions. Extras that could also be included are things like property owners’ liability cover, loss of rent protection, legal expenses cover and accidental damage repair, and that’s just a taste of what could be offered. Making sure that you’ve got adequate cover in place is essential if you don’t want to find yourself out of pocket, so make sure you can find the best cover you can at a price you can afford.

Cheap landlord insurance often preferred, but why is that? Well, in the current economic climate, sticking to a budget is a top priority for an awful lot of people. Given that people also have a lot of insurance policies having extra ones can eat into that budget, so going for the least expensive landlords’ insurance policy is often sought after.

And there’s no need to worry – cheap doesn’t always mean a lack of quality cover. Often, you’ll be able to find great policies at incredibly low prices, so long as you shop around. Doing adequate research is vital, and you should never go for the first policy that you can find as you can never be sure that you’ve got the best cover. Make sure to compare the price, the level of cover and any added extras that are included, as all of these points will help you decide if the policy’s right for you.

So, cheap landlords insurance is essential to consider. It protects your property for all eventualities, and if you can get it at a price you can afford then you’ve got the best of both worlds – quality cover at the right price. So, never underestimate how important having adequate insurance can be, and always do your research to find the best policy that you can.

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