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Public House Insurance – Compare Quotes

March 6, 2011 by Leave a Comment

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.

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Cheap Shop Insurance Quotes – Compare Online

March 5, 2011 by Leave a Comment

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.

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Dog Grooming Insurance

April 17, 2010 by Leave a Comment

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.

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Cattery Insurance

April 17, 2010 by Leave a Comment

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.

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Cheap Landlords Insurance

March 15, 2010 by Leave a Comment

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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