Sep 21

10 Things you need to get a Public Liability Quotation

1) The main thing with this type of insurance is the business type (for example whether you need cover for a carpenter or builder or plumber)

2) You will need to know the amount of proprietors (or directors if a limited company) and also the number of employees that you need covered.

3) You will need to know the limit of public liability insurance needed, for example you can have one million, two million or five million.

4) You will need to know any company name or trading as name to put it on the documents.

5) You will need to know the number of year’s experience you have in the trade you are covered for doing.

6) You will need to know the number of years that you have been trading either under your company name or under your sole trader name.

7) You will also need to tell the insurance company whether or not you use any heat throughout the course of your work.

8) If you are looking to get any tools or goods in transit cover then you will have to specify the amount of cover that you need.

9) The same if you need to cover any plant (whether it is your own plant or hired-in plant) you will need to know how much it would be to replace.

10) Lastly as with any insurance you will need to confirm whether you have had any convictions, bankruptcy or claims.

Public Liability Insurance

Sep 20

When do you need Employers Liability Insurance

If you employ anyone as a direct employee then you should be familiar with the above insurance as it is legally required that you have the cover in place. There are strict guidelines making sure that if you have employees that could hold you liable for any injuries they may have gained whilst working directly under your direction, and with recent measures that all policies can be traced back through a database to make sure that you can still see who you were insured with at different points in time.

Although Public Liability Insurance is not a legally required insurance you will have to have it if you have employees because you cannot get employers liability insurance without first having public liability insurance. So this means that you will then be covered for any third party injury you may cause during the course of your work and any injury that happens to any of your employees that is deemed to be your fault.

This insurance will generally cover an employer up to £10,000,000 worth of cover on a policy and is covered against any injury their employee might get but only if they can hold the employer liable for the injury. Many people may be wondering that if public liability insurance covers any third party injury why do you need employers liability insurance as well and that is because public liability insurance would not cover any incidents that involved your employees getting injured, for example if one of your employees was working on a ladder that you had given them and it was to collapse causing them to fall and injure themselves then you would beheld liable for their injuries and would have to pay damages to them which is where your employers liability insurance comes in.

There are certain restrictions and circumstances that this type of insurance won’t cover, for example I the employee was injured getting into or whilst in the work vehicle or if they are driving the work vehicle as the insurance will only cover claims that result from them doing the actual work that they have employers liability insurance for and not on the way to and from their jobs.

So if you have employees then you should look at getting employers liability insurance so that you can keep up with the law and protect yourself from certain circumstances involving your employees, without this insurance you could be stopped from being a company director and even fined thousands if you are inspected and do not have the cover when you should have.

For more information you can visit us at http://www.ashburnham-insurance.co.uk/public-liability-insurance.html.

Sep 19

How to get a Land Insurance Quotation

Land Insurance is where you can get insurance that will protect yourself on any piece of land that you may own in case any third party was to injure themselves whilst they were on the land and then hold you responsible for their injuries.

There are a few things that you must know about if you own a piece of land and want to get a quotation on it. The first thing is what type of land you want to get the insurance on, for example you could have brownfields or a lake that are quite uncommon and may be hard to get a quotation on or you could have undeveloped pastures or even just a simple road which is much easier to get insurance on.

One of the most important factors in getting Land Insurance is where the land itself is situated which is why one thing you must have is the location of the land which is generally asked for by postcode, although because some pieces of land obviously wouldn’t have their own postcode they may ask for the postcode that is closest to the piece of land you are insuring.

There are a few other main questions that all insurance companies that deal with land insurance will want to know before they give a quotation. These questions are more based about how many people are likely to be on the land in the first place, for example if the public have rights of access and if there are any security measures on the land such as gates or fences, although if they are automatic gates or barriers then they could be detrimental to the quotation you are trying to get.

As with most types of Liability Insurance there are certain limits of indemnity that you can get, the basic is to insure the land for one million pound although you can also get a quotation for two million or five million pounds worth of cover. Obviously the more cover you get the higher the quotation will be as you pay extra for more cover.

So if you have a piece of land that you own and people have access to it then this may be something that you think about even if it is just to protect yourself in case anyone tries to hold you liable for anything that may occur to them whilst on the land in question.

Land insurance

Sep 13

Lake or Pond Insurance

Lake or Pond Insurance is a type of land insurance where the land that you are insuring is undeveloped pasture with water on meaning that it is an area that is filled with nothing but Pasture, Lakes or Ponds, such as areas that are quite good for grazing. This insurance is especially useful if the public are allowed on the land and if there are regular visitors that walk across the land either alone or with others.

This insurance is used to protect against any cases where the land owner may be held liable for any third party injury that happens on his land. For example if someone was to be walking across the land and they were to break their leg and hold the land owner responsible then if he had Lake or Pond Land Insurance it could be used to cover him for the damages that were caused.

To get a quotation for Lake or Pond insurance you will need to know various things such as how large the land that you are insuring is (to the nearest acre), any former uses of the land, how long you have owned the Lake or Pond and what activities are done on it and whether or not there are any buildings on the land that also need to be insured.

Basic cover would be the public liability insurance for one million pounds (although if you do require more cover you can get a quotation for both two million and five million pounds of cover). There are also various extras that you can get on this insurance and one that is looked at a lot is Straying of Livestock which means that if you have sheep grazing on the land and one was to get free and cause an accident then the straying of livestock cover would help with that.

The prices for a year’s basic cover can start from around £180 and that is for the one million pounds worth of cover. The basic price is generally given for any land that is less than 100 acres large and that has no hazardous features on the land at all, so basically if it is just a grassy area with a Lake or Pond. However should it be larger than that or if there are things on the land then obviously the price would change to reflect that.

Land Insurance

Sep 12

Landlord Insurance – what is covered?

Those of you that have Landlords Insurance or have ever thought about getting it will know that the thing that makes it hard to understand just what you are covered for is the definitions that the insurers will use that are sometimes misleading and can lead you to believe that certain things are covered when in fact they are only covered as long as their criteria are covered, therefore I’m going to explain in this article just what they mean and hopefully allow you to understand the exact cover that you are getting.

The first thing that many people get confused with is when they have buildings only cover and they believe that things like the kitchen and bathroom will come under the contents insurance, however this is not always true. Most insurers see that if it is a fitted kitchen or a fitted bathroom then that will be under the buildings cover on the policy rather than the contents insurance. Buildings cover does not just stop at the actual property though and will often include garages, patios, greenhouses, fences and gates as well.

One of the other main perils that is often misinterpreted is the peril of storm damage where most people will assume that storm is any high wind, rain or weather condition that affects the property and causes damage, however insurers have put a limit on what the wind speed has to be before you can claim under this peril. Insurers tend to put the limit that the wind has to be between 41 and 47 knots which is the Beaufort scale number 9, therefore you can only claim if the wind is that speed and anything less than that you will have to pay for the damage yourself.

The final thing that can often be rather confusing for the person that is looking to get Landlords Insurance is whether or not the property is defined as unoccupied or tenanted. Most people would assume that the property is unoccupied if there is not tenant living in the property and that this is quite straightforward however the insurance companies seem to have decided that they want to confuse us as this is not the case. The insurance companies see that the property is occupied either when there is a tenant in the property or if there has been a tenancy agreement signed. So if you have a tenancy agreement signed and you are looking for Landlords Insurance then they will usually accept this as an occupied property so be sure to ask them about it.

These are the most common things that people say they are unclear about when it comes to Landlords Insurance and hopefully that has now cleared them up and will give you a better insight into what you are purchasing. Remember if there is anything else that you are unsure about then you can always talk to your insurance broker about these things but hopefully the main things that you will be confused about have all been covered.

Landlord Insurance

Sep 11

Public Liability Insurance Quote – What you need to know

There are many things that you will have to let insurance companies know when you are trying to get a Public Liability Quotation. There is obviously the same set of questions that every insurer will ask you and I am going to go through those so that people who read this will know exactly what information you will need to know before getting your quote.

The first thing that they will need to know is what trade or occupation you do, and whether or not you do more than one trade as they will all have to be added on to the policy for you to get the cover that you need. The next thing is the business status so for example if you are trying to get the insurance for a sole proprietor or a partnership or even a limited company it might make a difference to the price that you pay.

The next things that the insurance company should ask is the amount of years experience that you have in the trades and the amount of years that you have been trading. This can make a difference in a few ways as there are some insurance companies that will increase the excess if you have less than 2 years experience in their chosen trade as they are deemed to be a higher risk than others that have more experience.

Next you will have to decide the level of cover that you want, the minimum for Public Liability Insurance is one million pounds cover but you can also get quotes at two million and five million pounds as well. Although if you have any employees then by law you will have to get Employers Liability Insurance which comes at a claim limit of ten million pounds. The amount of cover that you get is basically how much the insurance company will pay out in the case of any claim which is why it is rare that people get more than the one million pounds cover as you would have to do a lot of damage to have a claim of over one million pounds.

The last things that they will ask you is the personal information such as whether or not you have had any claims on public liability insurance in the last three years, whether you have any criminal records against your name, whether you have had any insurance cancelled or declined or if you have ever been declared bankrupt. Assuming that you pass those questions you should now be able to get your quote.

You can also request any of the additional things that you might want to get covered now such as cover for you tools, contract works cover or any kind of plant cover that you may need. Of course if you do add anything on to the public liability insurance policy it will increase the premium but when you consider how much you could end up paying if you don’t have any insurance it is definitely a lot better to think about getting some cover rather than working without any.

For more information you can visit us here at http://www.ashburnham-insurance.co.uk/public-liability-insurance.html.

Sep 06

Who needs Employers Liability Insurance?

If you fit certain criteria then by law you are required to have Employers Liability Insurance and if you don’t have it in place and you are found to be in breach of the law then you can be given a heavy fine (also could be a repeated daily fine which could lead to bankruptcy) and even stopped from being the owner of a company for a period of time, the longest of which can be a lifetime ban.

You must have this insurance in place if you directly employee anyone to work for you and the easiest way to know whether or not they would be classed as employees is to look at the following questions:

1)      Do you pay their tax and national insurance?

2)      Do they work under your direction and with your tools?

3)      If they had an accident would they hold you responsible for their injuries?

If the answer is yes to any of the above then they are your employees and you must have Employers Liability Insurance.

This insurance is used to cover if any employee was to get injured and hold you as their employer responsible for their injuries and try to claim damages from you. For example if you were a painter and decorator and you gave your employee a ladder to work on which then collapsed with them at the top and they were to fall off they would hold you responsible for their injuries and would try to claim for things such as loss of earnings from you, this is where the insurance would step in and help you out.

To get this type of insurance you generally have to add it on to a public liability insurance (which would cover yourself and employees against any third party injury or property damage you may cause) and as standard would give you cover of up to £10,000,000. Obviously as with most types of insurance like this the premiums can differ depending on things such as occupation and the amount of employees that you have working for you that need to be covered. For example a business that has five roofing employees will be more expensive than a business with one hairdresser employee.

There are certain circumstances when you do not have to get this insurance for example if you are a director of a limited company on your own (and thus classed as an employee of the limited company) then you do not need the insurance as you cannot claim against yourself. Also if it is a family business where the employees are close family members you may not need it as the same rules would usually apply.

Apart from that if you have employees then by law you must get this insurance to protect yourself in any of the above circumstances.

For more information you can visit us here at:

Employers Liability Insurance

Sep 05

Woodland Insurance

With Land Insurance there are multiple different types such as roads or fields with horses but one of the main ones that people are worried about is Woodland Insurance and this will look at what that insurance is and the levels of cover that you can obtain

Woodland insurance is a specific type of land insurance that you can get if you own a large area that is mainly filled with trees, bushes and shrubs. This type of insurance is used to protect the land owner from any circumstance where a third party gets injured on the land and then holds the owner responsible for their injuries.

This insurance is used to protect when someone hold you responsible for an accident they have had on your land and tries to claim damages from you, for example if they were walking through the woods and tripped over and broke their leg because you hadn’t maintained the land to an expected level then you would be responsible for their injury which is where the insurance would come in to play. As with most types of this insurance for a claim to be paid out it would have to be proved that the land owner was liable for the injury sustained.

As with most types of liability insurance there are three main levels of cover that you can get which start at the minimum which is one million pounds worth of cover. The other levels of cover which you can get a quotation for is two million and five million pounds which means that would be the maximum that the insurers would pay out in the case of a claim hence why most people tend to go for the minimum cover, although other things such as the acreage of the land make a difference as well.

The basic cover is only public liability insurance but there are certain other add-ons that you can get on the policy such as Legal Expenses Insurance or even Employers Liability Insurance. If you were to have an employee who manages the land and looks after the woodland then you may want to get the Employers Liability Insurance so that you will be covered should he have an accident and hold you liable.

So if you have a woodland area that you own and lots of members of the public have rights of access and walk through the land then you may just want to look at getting some insurance on it so that if the worst happens and someone has an accident on your land then you won’t be left paying damages that you cannot afford as the insurance will step in if you are held liable.

For more information you can visit http://www.ashburnham-insurance.co.uk/land-insurance.html

Jul 13

Instant Online Land Insurance Quotes

Land Insurance is not something that people think of when they list what types of insurance you may need but if you own a piece of land that is separate from your house then you may want to consider it as if someone was to injure themselves on the land or if a tree or something was to fall and damage either someone else or their property then as the land owner you would be held responsible and therefore liable for any costs claimed against you.

There are lots of types of land that you can insure such as woodland, undeveloped pasture, private road and residents land and it used to be that should you want a land insurance quote then you have to call up and give the details and wait for the insurance company to get back to you but that is a thing of the past thanks to changes in technology meaning that you can now get an online quote that you can proceed with without the need of speaking to the insurance company meaning that you can do it at any time you like rather than just when the insurance company is open.

There are different rules with different insurers and things such as having horses or other animals on the land can make a difference to the quotations that you are able to get and also things such as any garages or outbuildings on the land can have an impact. With land insurance you generally only need a few details to get a quote with things such as the address of the land (or closest postcode), amount of insurance required and type and size of land of land all being relevant to the premium you will pay.

Aside from the above there will be more questions about the land which can affect the premium that you will pay with things such as whether or not the public have rights of access, if there are any automatic gates or barriers on the site and whether or not there is any water features of water hazards running on or adjacent to the plot of land you are insuring can all adjust the amount you would pay for the year.

There will obviously be times when you cannot get a quote as there are certain circumstances that most insurers will not allow when insuring a plot of land for example if the land has any building or construction work on it, there are no dilapidated or derelict buildings on the land and it is not used for any activities such s shooting or a paintball field. Other than that if you have a piece of land that you own you may just want to consider getting land insurance and with online quote and buy no available it’s never been easier.

For more information you can visit this website that deals with all things to do with http://www.ashburnham-insurance.co.uk/land-insurance.html.

Jul 12

Landlord Insurance Extras

Buildings cover

This is where you can insure the actual building against certain occurrences that may happen, for example if there was a water leak or if the property was to be damaged by a bad storm or something like that. This is the thing that most landlords wish to insure the most as obviously if the worst did happen then they would have to rebuild the property with their own money without insurance.

Contents Cover

Many landlords will leave some contents in the property even if they don’t realise it as contents can be considered to be things such as carpets, curtains and blinds which are in the property. This cover will make sure that if the above perils in the buildings cover section were to happen you could also replace the contents that you have in the property.

Legal Expenses

This is on that a lot of people ask about and you can usually add it on if you have either one of the above policies. This is used to protect the landlord should they get into any legal disputes between the landlord and the tenants as long as there is a breach in the lease agreement terms, for example if they were to move in anyone other than those stated on the lease.

Rent Guarantee

This is also something that a lot of landlords will look at it and it should be quite self explanatory when you look at the name of it. This is used to make sure that if the tenants do not want to pay the rent or for some reason are unable to pay the rent then you can claim against this to make sure that you as a landlord are not left out of pocket. As with most insurance types certain conditions must be adhered to and in this case you have to exhaust every other means available to get the money back from the tenants before claiming is allowed.

Property Owners Liability

This is often asked for as a standalone policy but is generally included as standard with any buildings cover policy. This is used to protect the landlord against any injury at the property that the landlord may be held responsible for. For example if the postman was to trip over on the way up the drive and the landlord was held responsible for the injury this would then protect any claim against you.

For more information you can visit us here http://www.landlordinsurance.org.uk/.

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