Compare small business insurance quotes #ethics #in #business

#business insurance

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Business insurance

Protect your business in minutes

With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

Online business insurance

Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

Covers

Business insurance FAQ

See also

Business insurance: staying legal

A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

Building your business cover

Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

Sorting your finances

We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

Why get business cover?

If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

  • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
  • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
  • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
  • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

Customer reviews





Compare small business insurance quotes #business #banners

#business insurance

#

Business insurance

Protect your business in minutes

With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

Online business insurance

Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

Covers

Business insurance FAQ

See also

Business insurance: staying legal

A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

Building your business cover

Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

Sorting your finances

We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

Why get business cover?

If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

  • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
  • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
  • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
  • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

Customer reviews





Find the Best Small Business Credit Cards – Compare 133 Card Offers

#business credit cards

#

Credit Cards

Banking

Investing

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Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Business Credit Cards

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

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Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Comparison Made Easier With Defaqto #insurance, #compare, #quotes, #gocompare, #go #compare, #gocompare.com,


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Gocompare.com

Not all comparison sites are created equal. You won’t find another quite like us – here’s why.

Did you know?


  • GoCompare was the first comparison site to focus on showing product features as well as prices
  • We’re the only price comparison site with BIBA membership
  • We’re authorised and regulated by the Financial Conduct Authority

We’ll give you the information you need, completely unbiased

Fighting your corner shapes everything we do, all the time.

We hope you’ll choose to buy through us when you pick your insurance and financial products, but as long as we’ve helped you choose the right ones for you, we’re happy.

We make money, but we don’t make it from you. We’ll never add fees or commissions to the prices you see on our site and you won’t find deals cheaper by going direct.

We don’t have favourites either. Our service is unbiased and our site is ad-free.

Need more proof? We’re authorised and regulated by the Financial Conduct Authority (FCA) and we’re the only site of our kind that has British Insurance Brokers’ Association (BIBA) membership.

Need help?

We’re here to answer any questions you might have.

We’ll help you find the right products – less time, less hassle

Insurance and finance can be a snooze-fest. Luckily, we’re insomniacs.

GoCompare has one simple aim: making sure you get exactly what you need with less hassle, less time and less money.

Think of us as enthusiasts – we’re bang into insurance, energy, broadband, phone bills and personal finance, so you don’t have to be.

Our mission is to help you get exactly what you need, so you keep more money in your wallet and more hours in your day.

We’ll never sell your data. Ever

Your data is yours to keep and we’ve no interest in making it anyone else’s business – ’nuff said.

[1] Based on independent research by Consumer Intelligence during 1 April to 30 April, 2017:

51% of consumers could achieve a saving of up to £268.77 with Gocompare.com car insurance based on a comparison of 30 companies

[2] Gocompare.com introduces customers to Runpath (registered as Runpath Group Limited). Runpath provides a gas and electricity comparison service. Gocompare.com relationship with Runpath is limited to that of a business partnership, no common ownership or control rights exist between us

[3] Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. theidol.com is a trading name of Investment Discounts Online Limited. Gocompare.com’s relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us

[4] Gocompare.com introduces customers to broadbandchoices which is not regulated by the Financial Conduct Authority. Gocompare.com’s relationship with broadbandchoices is limited to that of a business partnership, no common ownership or control rights exist between us

[5] For comparing quotes online, Gocompare.com introduces customers to theidol.com
For help, guidance and advice, Gocompare.com, introduces customers to Assured Futures Limited. Assured Futures Limited is authorised and regulated by the Financial Conduct Authority no. 176392. theidol.com and Assured Futures are authorised and regulated by the Financial Conduct Authority and Gocompare.com’s relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us

[6] For loans Gocompare.com introduces customers to Lovemoney.com Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Lovemoney.com Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exists between us

Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2017 Gocompare.com Ltd. All Rights Reserved.

By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy.


Get the Best Car Insurance Rates #best #car #insurance, #car #insurance, #cheap


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Get the Best Car Insurance Rates

Get the Best Car Insurance Rates

Everyone knows you should carefully shop around when buying a car, but all too many drivers neglect to purchase insurance with the same level of care. Failing to thoroughly comparison-shop can leave you paying more than you need to for coverage, and far from getting the best car insurance coverage for your needs.

Below are tips to help you seek out the best insurance coverage at the lowest rate.

What Is Good Car Insurance?

Getting cheap car insurance does not necessarily mean you bought the right type or amount of coverage.

Having “good coverage” means you don’t find yourself paying significant amounts of money out of pocket after an accident.

When you have found the right insurance provider:

  • You’ll feel assured that you’ll be able to handle the financial costs after an accident.
  • You’ll feel comfortable knowing you’re not overpaying for your car insurance.

Comparison-shopping for car insurance can help you make sure you’ve picked the right insurance coverage.

Deciding on the Best Insurance Coverage

You need car insurance to comply with state laws, to satisfy your lender or leaseholder, and to protect your assets.

Each state has different financial responsibility laws that dictate the least amount of insurance you must have. However, unless you have very few assets, the smallest amount of insurance is most likely not enough coverage. Talk to your insurance company about how much coverage and what types of optional insurance coverages might be right for you. These typically include:

  • Comprehensive.
  • Collision.
  • Medical payments.
  • Uninsured/underinsured motorist.
  • GAP coverage.
  • Towing and labor.
  • Rental reimbursement.

NOTE . If you have a loan or lease on your car, it will typically come with coverage requirements. Be sure you understand these when reviewing your loan/lease agreement.

For more information on what your state requires, please visit our section on state car insurance requirements.

What if I Have a Loan?

While commonly believed, it is actually a myth that your car insurance will pay off your loan if your car is totaled. In reality, it will pay the fair market value.

The fair market value, or actual cash value, is the sales price minus depreciation. A car depreciates at a surprisingly rapid rate. In fact, just driving a car off the lot after purchase decreases its value by an average of 10%. During the first 5 years, the car’s value depreciates by an average of 15% to 25% every year.

In the event of a serious car accident, you can be left with substantial costs due to normal depreciation. This is where GAP and loan/lease coverage come in.

To protect yourself from having to pay a loan on a car that no longer functions, you can purchase either:

  • Guaranteed Auto Protection (GAP) insurance – Covers the difference between your insurance payout and what you still owe on your car loan after insurance pays, without any maximum limits.
  • Loan/lease payments coverage – Also covers the gap between what you owe on the car and its current value, but only covers a percentage of your car’s actual cash value in the event of a total loss. This might not be enough to cover the gap between your loan and the cash value.

Shopping Smart

Ratings

Like most consumer purchases, different insurance companies charge different premiums for the same insurance coverage. However, all car insurance companies do not give the same level of service or share the same rankings.

Insurance companies are given a Best Insurance Ranking provided by the A. M. Best Company. Since 1899, the A.M. Best Company has provided ratings of insurance companies based on their financial stability. The stronger the rating, the more likely the company is able to pay if you file a claim.

Rankings range from AAA down to D.

Sales Methods

Insurance companies use one of three methods to sell their policies.

  1. Exclusive agents. These agents only sell the products of a single insurance carrier.
  2. Independent agents. These agents represent many companies and can give you multiple quotes on car insurance to compare.
  3. Direct market. Sales are usually with one company and completed over the Internet, phone, or by mail.

All three sales methods have their merits. The most important thing is to get multiple quotes from the insurance companies you feel most comfortable comparing, as insurance rates can fluctuate widely from insurance carrier to insurance carrier.

What to Notice

When you compare car insurance companies, you should pay close attention to the following:

  • The premium. This is the monthly cost for your car insurance.
  • Applicable discounts .
    • One company may offer you discounts that others did not.
    • Ask each insurance company you speak with about car insurance discounts for which you may qualify.
  • A. M. Best Rating. This rating indicates the financial strength of an insurance company and their likelihood of paying on your claim.
  • Customer service.
    • Most state insurance departments have lists of complaints against insurance companies. These complaints are frequently referred to as “valid complaints.”
    • The higher the number of complaints or the complaint ratio, the higher the likelihood of the company violating a policy, contract, or statute.

Doing your research when shopping for car insurance quotes can ensure you get the best rates, great coverage, and stellar customer service. In contrast, neglecting to comparison-shop can leave you with a policy that does little for you in the long run and can hurt financially if you get into an accident. Informed consumers always get the best deal.

Was this information helpful?


Business Bank Accounts – Compare Business Banking Deals #free #business #advertising

#business bank account

#

MoneySuperMarket.com

Promoted Navigation

Primary Navigation

Business current accounts

Looking for a great deal on business current accounts for your company? Compare our business bank accounts features such as; free business banking, interest on in-credit balances, overdraft facilities and free account transactions. Use our free and independent comparison table to find the best business current accounts today.

MoneySuperMarket doesn’t offer a comparison service for this type of product, but we have compiled a list of providers below who can help.

Business Start up accounts

  • Mobile App
  • Online Banking
  • Overdraft Facility

Great for 25 months free business banking for Start Ups But be aware that 25 months free business banking is available for businesses which open their first account within 12 months of beginning trading with an annual turnover not exceeding £2 million (borrowing & cash limits apply)

  • Mobile App
  • Online Banking
  • Overdraft Facility

Great for 24 months free Business Banking £500 fee-free overdraft But be aware that Free Business Banking is available for Businesses which are less than 12 months old with an annual turnover not exceeding £1 million Subject to Status. Over 18s only.

  • Interest Rate (AER) 0.25% on balances from 1
  • Monthly Fee For up to 18 monthsNo monthly fee
  • Overdraft Rate (EAR) 5.5% (variable)
  • Great for 12 months’ free day-to-day business banking for start-ups, or 18 months’ free if you are, or become, a 1I2I3 World or Santander Select customer (see provider site for eligibility) Earn interest on any credit balances But be aware that This is available to businesses in their first year of trading opening their first Santander Business Current Account After this free period, you’ll move to Santander’s £7.50 per month tariff or, if another tariff would be more suitable, Santander will be happy to arrange a transfer

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 25 months free business banking for Switchers But be aware that 25 months free business banking is available for established businesses switching their main business current account with turnover not exceeding £2 million (borrowing & cash limits apply)

    Great for Simple to manage your monthly outgoings with all your standard business banking included for a single fixed fee, from £7.50 to £40 a month, based on your monthly cash deposits – use Santander’s calculator to see how much you could save Switch in just seven working days But be aware that You’ll pay 50p for every £100 of cash deposited beyond your monthly limit Non-standard transactions such as CHAPS payments, change-giving and foreign currency transactions will incur a charge

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Online Banking
    • Standing Orders
    • Text Alerts

    Great for Quick online application No interviews needed But be aware that A £55 application fee applies There is no cheque book supplied with this account and no overdraft or other borrowing facility

    Business bank account guide

    What is a business bank account?

    A business current account works in a similar way to a conventional bank account, but enables you to keep your business transactions separate from your personal finances. This makes life much more straightforward when it comes to managing cash flow and calculating your tax liability at the end of the year.

    Anyone who has started up as a limited company or partnership must have a business bank account. The most basic business accounts consist of a chequebook and paying in book.

    If you are a sole trader you can use your own personal account, but many people still prefer to set up a separate small business bank account. Business accounts are also available for charities and clubs, pension funds and client’s money.

    What to watch out for

    Don t automatically open a business account with your existing bank, as it might not offer good value for money.

    The best business bank accounts will offer you both low charges and decent rates of interest when you are in credit, so make sure you compare accounts to find the right deal to suit your requirements. If you think you will mainly be making payments electronically, go for an account that offers free or low-cost electronic transactions. Alternatively, if you think you’ll be using a lot of cheques, look for low charges on paper transactions.

    You should look for an account which provides online business banking, so that you can check the status of your account day or night.

    Remember that you will need to provide various documents in order to open your account, including a business plan and details about your company. These will include your Certificate of Incorporation if you have set up as a limited company, as well as documents proving your identity such as a passport and driver s licence.

    Unfortunately if you have a history of bad credit, opening a business account is likely to prove difficult, especially given the current economic climate.

    Charges

    Most UK business bank accounts come with an introductory offer such as free banking for 12 or 18 months. While these are tempting, always make sure you know how much you will end up paying once the introductory period is over.

    As a general rule, the more transactions you make on the account, the higher the charges are likely to be.

    Some business current accounts require a regular monthly or quarterly standing charge. This will typically cost you around 15 to 20 per quarter, but a there are plenty of accounts which don t charge this fee at all.

    Make sure you read the small print carefully if you go for business current account which offers free banking indefinitely, as these usually only let you pay in a set maximum each month and a limited number of cheques, which would be no good if your income is going to vary dramatically from one month to the next.

    Extra benefits

    Some banks have a dedicated small business advice team, while others offer a telephone helpline, so check to see what is on offer when comparing accounts. Branch-based chains of advisers can be useful if you want face to face contact to discuss any issues that might affect your business.

    How our site works

    When it comes to choosing a current account for your business, we want to give you as much choice as possible, so you can choose what suits you best. Some providers don t want to be included on comparison websites, so we can t promise to show you accounts from every single one. We rank the accounts according to the length of time you can bank for free, then by the monthly fee, then the interest rate. You can find out more about how we work here.

    Money

    You can rely on us

    We’re here to help





  • Credit Cards: Compare Low Balance Transfer Options #compare #low #balance #transfer #credit


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    Scared to open your credit card statements? Forgot which card’s maxed out and which one’s paid off? It’s time to apply for a balance transfer credit card. Balance transfer credit cards let you consolidate your debt while helping you save on interest charges. And at LowestRates.ca, finding the best balance transfer credit card has never been easier.

    How do balance transfer credit cards work?

    With a balance transfer credit card, you can transfer debts from your existing credit cards to a single low-interest card. After all, some balance transfer credit cards have introductory interest rates as low as 0%.

    And getting started is easy: use funds from your balance transfer card’s credit line to pay off the high interest rate balances on your other credit cards.

    Credit card balance transfers can be a great way to reduce debt quickly. You can dedicate a larger portion of your monthly payments to principal rather than interest charges.

    Who should apply for a balance transfer credit card?

    Canadians who find themselves mired in high interest rate credit card debt. With a balance transfer card, you can pay off your existing credit card debt with funds from your new card. Just transfer your balances and focus on paying off your card during the introductory period.

    Of course, balance transfer credit cards only work if you’re committed to paying down your debt. That’s why these cards are best for those who know how to use a credit card responsibly, make their payments on time, and are ready to get their finances back in order.

    Can anyone get a balance transfer credit card?

    Balance transfer credit cards tend to only be available to those with reasonably good credit scores — usually 680 or higher.

    Applicants often have significant debt (which they’ll likely transfer to their balance transfer credit card), but they need to have a decent credit history and the means to pay off their card in a timely fashion.

    To qualify for most balance transfer credit cards, you usually need a minimum household income ranging anywhere from $30,000 to $70,000 per year.

    How exactly do I transfer my balances?

    Step 1: Fill out the balance transfer portion of your application. You can designate what credit cards you want to pay and the amount of the balances you wish to transfer.

    Step 2: Once you have your balance transfer credit card, you can write a cheque from the card or call the credit card company to make a transfer. You just need the account numbers from your old credit cards and the balance amounts you want to transfer.

    Step 3: Any time you complete a transfer, check with your previous credit card provider to make sure your balance has been paid in full and to verify that you won’t continue to incur interest charges.

    How do I decide which balance transfer credit card to get?

    1. Look for a great interest rate on your balance transfers. Most cards have rates as low as 1% or 2%. Lately, some credit cards have even been offering 0% interest on transfers.
    2. Find a credit card that offers those low rates for a reasonably long introductory period. Most balance transfer credit cards offer low introductory interest rates for at least 6 months. The longer the low rate introductory period, the more time you have to pay down your balance before your card resets to a higher rate.
    3. Look at the annual fee. In general, balance transfer credit cards are designed to attract new customers, so they charge very low annual fees.
    4. Compare rewards features. Some balance transfer credit cards offer solid rewards programs on top of great rates on balance transfers.

    Below is a table comparing the key features of some of our favourite low balance transfer cards this year.

    MBNA Platinum Plus® MasterCard®

    • None, but check out the great balance transfer rate.

    Balance transfer rate 0% Interest rate 19.99% Annual fee $0

    Scotiabank Value® VISA

    • Interest-free grace period of at least 21 days on purchases.

    Balance transfer rate 0.99% Standard interest rate 11.99% Annual fee $29

    No-Fee Scotiabank Value® VISA

    • Interest-free grace period of at least 21 days on purchases.

    Balance transfer rate 3.99% Standard interest rate 16.99% Annual fee $0

    What’s the best way to take advantage of my balance transfer credit card?

    Simple — use your low balance transfer credit card to pay off your debts before the introductory period expires. Here’s a simple way to create a payment plan: take the amount of debt you’re transferring and divide that figure by the number of months the introductory period lasts.

    For example, if you’re transferring $6,000 of debt and your introductory period lasts 8 months at 0% interest, divide $6,000 by 8. In this scenario, you need to make monthly payments of $750 (plus any extra fees) to pay off the balance transfer card before your interest rate resets.

    What drawbacks do balance transfer credit cards have?

    If you miss even one payment on a balance transfer credit card, your interest rate will reset to a much higher rate, effectively negating the main appeal of the card. In fact, you could end up with more debt than you started with.

    Most balance transfer cards also levy extra fees and surcharges on transfers. For example, if you want to transfer $2,000 to a card with a 2% surcharge, you would have to pay an additional $40 on the transaction.

    Make sure these charges aren’t excessive. In general, cards with fees above 2% or 3% of the total transfer amount are uncompetitive and should be avoided.

    Can I use a balance transfer credit card to earn interest?

    Yes. Some balance transfer cards let you deposit funds from the card’s credit line into an investment vehicle of your choice. So instead of paying off other credit cards, you can transfer funds into a savings account or another vehicle. The gap, or ‘spread,’ between the introductory interest rate on the balance transfer and the return you earn on your savings account or investment is yours to keep.

    But while this may sound good, the gap between the introductory rate and what you could earn in a savings account isn’t usually enough to justify the hassle, and deploying a transfer into riskier investments, like stocks, can easily backfire if those securities fall in price. Plus, if you miss a payment, your interest rate will reset, turning those easy profits into painful and unnecessary losses.

    Compare low balance transfer credit cards today

    So why get a low balance transfer credit card? It can help you save money on interest charges and gives you the time you need to get your finances in order. Remember to shop around for the right card and make sure you pay off your transfers as quickly as you can.

    Compare all the best balance transfer credit cards today at LowestRates.ca.


    The Differences Between Whole and Term Life Insurance #whole #life #insurance #compare


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    The Differences Between Term and Whole Life Insurance

    Term vs. whole life insurance

    1. Term life insurance is easier to understand and costs much less than whole life insurance, but it has an end date. A 30-year policy is typically the longest term available, depending on your age.
    2. Whole life insurance will last the rest of your life, so your beneficiaries are guaranteed a payout no matter when you die.
    3. Whole life insurance also builds up “cash value,” which is money you can access while you re alive. Term life has no cash value.

    Buying life insurance now provides a financial safety net for your dependents later if you’re not around to take care of them. After you’re gone, your family can use the proceeds to cover funeral costs, mortgage payments, college tuition and other expenses.

    There are two main types of life insurance:

    Term life insurance is the easiest to understand and has the lowest prices.

    Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance. Other kinds of permanent life insurance include universal, variable and variable universal.

    Let’s take a closer look at term life versus whole life insurance.

    In this article

    Term life insurance explained

    Term life insurance provides coverage for a certain time period. It’s often called “pure life insurance” because it’s designed only to protect your dependents in case you die prematurely. If you have a term policy and die within the term, your beneficiaries receive the payout. The policy has no other value.

    You choose the term when you buy the policy. Common terms are 10, 20 or 30 years. With most policies, the payout, called the death benefit, and the cost, or premium, stay the same throughout the term.

    When you shop for term life:

    • Choose a term that coincides with the years you’ll be paying the bills and want life insurance coverage in case you die early.
    • Buy an amount your family would need if you were no longer there to provide for them. The payout could replace your income and help your family pay for services you perform now, such as child care.

    Ideally, your family’s need for life insurance will end around the time the term expires: Your kids will be on their own, you’ll have paid off your house, and you’ll have plenty of money in savings to serve as a financial safety net.

    All of the best life insurance companies sell term life, so it’s easy to find rates.

    Whole life insurance explained

    Like all permanent life insurance policies, whole life provides lifelong coverage and includes an investment component known as the policy’s cash value. The cash value grows slowly, tax-deferred, meaning you won’t pay taxes on its gains while they’re accumulating.

    You can borrow money against the account or surrender the policy for the cash. But if you don’t repay policy loans with interest, you ll reduce your death benefit, and if you surrender the policy, you’ll no longer have coverage.

    Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:

    • The premium remains the same for as long as you live
    • The death benefit is guaranteed
    • The cash value account grows at a guaranteed rate

    Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed.

    Policy differences

    Methodology: We averaged the three lowest quotes available in each category for healthy men and women. Source: Quotacy.

    Choosing between term and whole life insurance

    Term life is sufficient for most families who need life insurance. but whole life and other forms of permanent coverage can be useful in certain situations.

    Term life is a good choice if:

    • You need life insurance only to replace your income over a certain period, such as the years you’re raising children or paying off your mortgage
    • You want the most affordable coverage
    • You think you might want permanent life insurance but can’t afford it. Most term life policies are convertible to permanent coverage. The deadline for conversion varies by policy.

    Whole life, or another type of permanent insurance, is worth considering if you need coverage for the rest of your life. For example:

    • You want to provide money for your heirs to pay estate taxes. In 2017, estates worth more than $5.49 million per individual and $10.98 million per couple are subject to federal estate taxes. State estate taxes vary. Here’s a map of state estate and inheritance taxes from the Tax Foundation.
    • Without a life insurance payout, your heirs might be forced to sell off parts of the estate, such as heirlooms or property, to pay the tax bill.
    • You have a lifelong dependent, such as a child with special needs. Life insurance can fund a special needs trust to provide care for your child after you’re gone. Consult with an attorney and financial advisor if you want to set up a trust.
    • You want to spend your retirement savings and still leave an inheritance or money for final expenses, such as funeral costs. With a whole life policy, your beneficiaries get a payout no matter when you die.
    • You want to equalize inheritances. If you plan to leave a business or other property to one child, you could use whole life insurance to compensate your other children.

    It pays to shop around before buying any type of life insurance. NerdWallet’s life insurance comparison tool can help you find the right amount of term life coverage and compare prices. If you’re considering whole life insurance, it’s smart to work with a financial advisor.

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    Find a Local Kentucky Health Insurance Quote

    How you find a Kentucky health insurance quote is critical to obtaining the best possible coverage for you and your loved ones. Today, the best way to shop for insurance is online. Online referral services, like the one at NetQuote, reduce marketing costs which are, then, passed on to the consumer. How do we know they pass these savings on to the consumer? They have to in order to stay competitive. When you make a request for Kentucky health insurance quotes, you will be contacted by multiple insurers, all of whom know they’re competing directly with other insurance companies for your business. Better yet, you can quickly and reliably comparison-shop from the comfort of your own home. There are fewer opportunities to try to strong-arm you with high-pressure sales tactics.

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    In addition, if you employ any people, is it usually a legal requirement to have employers’ liability insurance. so make sure you add it to your policy.

    Compare landlord insurance quotes

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    Business insurance: staying legal

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    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


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    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more





  • Auto Insurance: Compare Quotes in Ontario #ontario #auto #insurance, #ontario #car #insurance,


    #

    Compare Auto Insurance Quotes in Ontario

    How can I get cheap auto insurance in Ontario?

    There are many ways to get cheap car insurance in Ontario. Here’s what you can do:

    • Compare quotes online
    • Pay premiums on time
    • Choose the right insurance coverage
    • Complete a certified driver training program
    • Insure all your vehicles with the same company
    • Use winter tires (insurers offer discounts)
    • Bundle your home insurance with your auto insurance
    • Maintain a good driving history (always drive carefully and obey the rules of the road)

    Is auto insurance required in Ontario?

    Yes. By law, all Ontario drivers must carry insurance for their vehicle.

    What’s the minimum requirement for auto insurance in Ontario?

    Ontarians are required to carry $200,000 in third-party liability insurance for their vehicles. Without the minimum amount of coverage, drivers can’t register their automobiles.

    Drivers in Ontario are also required to buy direct compensation property damage (DCPD) coverage. DCPD covers your vehicle damages if another driver is found at fault for the accident. Even if someone else damages your car, you collect benefits from your own insurer.

    What kind of auto insurance system does Ontario have?

    Ontario operates under a no-fault insurance system. Your insurer pays for your damages and the other driver’s insurer pays for theirs.

    In addition to vehicle repairs and property damage, what else will my auto insurance policy cover?

    If you have an automobile accident in Ontario, regardless of who’s at-fault, your liability coverage provides these supplementary benefits:

    • Income replacement: 70% of gross wages to a maximum of $400 per week
    • Benefit to disabled non-earners: $185/week for 104 weeks
    • Medical, rehabilitation, and attendant care: up to $65,000 for non-catastrophic injuries or up to $1 million for catastrophic injuries
    • Funeral expenses: up to $6,000
    • Payment to survivors of a person who’s killed: minimum of $25,000 to spouse and $10,000 to dependants
    • Other expenses

    What are the penalties for driving without insurance in Ontario?

    Motorists convicted of driving without insurance in Ontario must pay a fine ranging from $5,000 to $25,000 for their first offence. Second offence fines range from $10,000 to $50,000, and your driver’s licence may be suspended for up to a year.

    If you’re convicted of driving without the minimum auto insurance coverage required by law, you’ll be identified as “high risk”. You’ll likely face higher auto insurance rates in the future, and your vehicle may be impounded.

    What’s the minimum legal driving age in Ontario?

    You can begin the licensing process in Ontario when you turn 16. To get a learner’s licence (G1) in Ontario, you have to pass a written rules of the road knowledge test and a vision test. When you pass these tests, you get your G1 licence. But once you get behind the wheel, you must be accompanied by a fully licensed driver whose blood alcohol content (BAC) is less than 0.05, and your own BAC must be 0.

    How do I get a probationary licence (G2) in Ontario?

    After you hold your G1 licence for 12 months, or 8 months with the completion of a driver’s education course, you have to pass an advanced road test to earn your probationary licence (G2). Drivers with a G2 licence cannot drive between 12:00 AM and 5:00 AM or on high-speed expressways (including 400-series highways). And they must maintain a BAC of 0.

    How do I get a full licence in Ontario?

    Once you’ve had your G2 licence for 12 months, you can take your final road test, which usually includes driving on a four-lane highway. If you pass, you get your full licence (called a G). Just remember: you have to renew your G license every 5 years, and Ontario drivers have to maintain a BAC of 0 until they turn 22.

    Is ride-sharing insurance available in Ontario?

    Yes. Ontario was the first province to approve an insurance policy for ride-sharing. So if you drive for a ride-sharing service like Uber, make sure you get the right coverage. Ride-sharing insurance is absolutely essential to keep your customers, your vehicle, and yourself protected in case something happens while you’re on the road.

    Is usage-based insurance available in Ontario?

    Yes. Ontario was one of the first jurisdictions in Canada to approve usage-based car insurance policies, and drivers in the province can take advantage of this new type of insurance plan to dramatically lower their premiums.

    Learn more about usage-based car insurance here


    Business Bank Accounts – Compare Business Banking Deals #vending #machines #business

    #business bank account

    #

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    Business current accounts

    Looking for a great deal on business current accounts for your company? Compare our business bank accounts features such as; free business banking, interest on in-credit balances, overdraft facilities and free account transactions. Use our free and independent comparison table to find the best business current accounts today.

    MoneySuperMarket doesn’t offer a comparison service for this type of product, but we have compiled a list of providers below who can help.

    Business Start up accounts

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 25 months free business banking for Start Ups But be aware that 25 months free business banking is available for businesses which open their first account within 12 months of beginning trading with an annual turnover not exceeding £2 million (borrowing & cash limits apply)

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 24 months free Business Banking £500 fee-free overdraft But be aware that Free Business Banking is available for Businesses which are less than 12 months old with an annual turnover not exceeding £1 million Subject to Status. Over 18s only.

  • Interest Rate (AER) 0.25% on balances from 1
  • Monthly Fee For up to 18 monthsNo monthly fee
  • Overdraft Rate (EAR) 5.5% (variable)
  • Great for 12 months’ free day-to-day business banking for start-ups, or 18 months’ free if you are, or become, a 1I2I3 World or Santander Select customer (see provider site for eligibility) Earn interest on any credit balances But be aware that This is available to businesses in their first year of trading opening their first Santander Business Current Account After this free period, you’ll move to Santander’s £7.50 per month tariff or, if another tariff would be more suitable, Santander will be happy to arrange a transfer

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 25 months free business banking for Switchers But be aware that 25 months free business banking is available for established businesses switching their main business current account with turnover not exceeding £2 million (borrowing & cash limits apply)

    Great for Simple to manage your monthly outgoings with all your standard business banking included for a single fixed fee, from £7.50 to £40 a month, based on your monthly cash deposits – use Santander’s calculator to see how much you could save Switch in just seven working days But be aware that You’ll pay 50p for every £100 of cash deposited beyond your monthly limit Non-standard transactions such as CHAPS payments, change-giving and foreign currency transactions will incur a charge

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Online Banking
    • Standing Orders
    • Text Alerts

    Great for Quick online application No interviews needed But be aware that A £55 application fee applies There is no cheque book supplied with this account and no overdraft or other borrowing facility

    Business bank account guide

    What is a business bank account?

    A business current account works in a similar way to a conventional bank account, but enables you to keep your business transactions separate from your personal finances. This makes life much more straightforward when it comes to managing cash flow and calculating your tax liability at the end of the year.

    Anyone who has started up as a limited company or partnership must have a business bank account. The most basic business accounts consist of a chequebook and paying in book.

    If you are a sole trader you can use your own personal account, but many people still prefer to set up a separate small business bank account. Business accounts are also available for charities and clubs, pension funds and client’s money.

    What to watch out for

    Don t automatically open a business account with your existing bank, as it might not offer good value for money.

    The best business bank accounts will offer you both low charges and decent rates of interest when you are in credit, so make sure you compare accounts to find the right deal to suit your requirements. If you think you will mainly be making payments electronically, go for an account that offers free or low-cost electronic transactions. Alternatively, if you think you’ll be using a lot of cheques, look for low charges on paper transactions.

    You should look for an account which provides online business banking, so that you can check the status of your account day or night.

    Remember that you will need to provide various documents in order to open your account, including a business plan and details about your company. These will include your Certificate of Incorporation if you have set up as a limited company, as well as documents proving your identity such as a passport and driver s licence.

    Unfortunately if you have a history of bad credit, opening a business account is likely to prove difficult, especially given the current economic climate.

    Charges

    Most UK business bank accounts come with an introductory offer such as free banking for 12 or 18 months. While these are tempting, always make sure you know how much you will end up paying once the introductory period is over.

    As a general rule, the more transactions you make on the account, the higher the charges are likely to be.

    Some business current accounts require a regular monthly or quarterly standing charge. This will typically cost you around 15 to 20 per quarter, but a there are plenty of accounts which don t charge this fee at all.

    Make sure you read the small print carefully if you go for business current account which offers free banking indefinitely, as these usually only let you pay in a set maximum each month and a limited number of cheques, which would be no good if your income is going to vary dramatically from one month to the next.

    Extra benefits

    Some banks have a dedicated small business advice team, while others offer a telephone helpline, so check to see what is on offer when comparing accounts. Branch-based chains of advisers can be useful if you want face to face contact to discuss any issues that might affect your business.

    How our site works

    When it comes to choosing a current account for your business, we want to give you as much choice as possible, so you can choose what suits you best. Some providers don t want to be included on comparison websites, so we can t promise to show you accounts from every single one. We rank the accounts according to the length of time you can bank for free, then by the monthly fee, then the interest rate. You can find out more about how we work here.

    Money

    You can rely on us

    We’re here to help





  • Compare Business Bank Accounts #service #business #ideas

    #best business banking

    #

    Compare business transaction accounts

    Business Transaction Accounts – August 2nd

    Five things to think about when choosing a business transaction account

    Here are five key questions to ask yourself when comparing business transaction accounts. What is your volume of monthly transactions? Depending on your stage in the business cycle, your volume of monthly transactions may have increased or …

    Business Loans – August 2nd

    Business Sentiment – how are things shaping up for 2016?

    More than anything else, uncertainty is not good for businesses overall and Roy Morgan’s latest business confidence figures showed a pleasing lift in business confidence post the final outcome of the federal election. Business Confidence is …

    Business Transaction Accounts – August 2nd

    The average cost of transactions

    Particularly in a low cash rate environment, transaction fees on bank accounts can really pack a punch. So across the products surveyed for the 2016 business deposit account star ratings, CANSTAR has calculated the minimum, …

    Business Savings Accounts – August 2nd

    The state of business rates

    It is a while now since the official cash rate (OCR) was anywhere near “high”; 7.25% is the highest the cash rate has been over the past decade and that was back in 2008. The …

    Business Savings Accounts – July 20th

    1 in 3 Aussies want to own a business

    One in three Australian’s have an ambition to own their own business, proving Australia’s start-up culture is alive and well, a new National Australian Bank (NAB) report on entrepreneurship has found. The key findings of the …





    Compare long distance phone plans, providers, services, rates #long #distance,compare #phone #service,compare


    #

    Save on Long Distance Calls

    There are a few choices to consider when looking for a long distance plan. First, decide what method of calling you will need to use primarily.

    VoIP

    Voice Over Internet Protocol, commonly referred to as VoIP, is a digital binary service that allows you to make calls over the internet by accessing a modem. This service is great for people who do a lot of long distance calling. Fees are extremely low, averaging between $5 and $15 per month. The downsides to VoIP are very few, but obviously you need to have a computer, as well as high speed internet. Your call quality will only be as good as your internet connection. If you are looking for a low cost, convenient alternative, VoIP can suit your needs.

    Calling Cards

    If you prefer to use more traditional calling methods, calling cards are another option that allows you to pay for the amount of long distance calling you wish to do. You simply dial the 800 number on the card prior to the long distance number you wish to reach. Many calling card companies have very low rates, some less than one cent per minute.

    Dial Around Service

    Another lesser known method of long distance calling is a service known as Dial Around. Dial Around companies provide you with, as the name suggests, a method of dialing around your current provider to reach your destination long distance provider. Though it sounds somewhat confusing, it is actually quite simple. You first dial the company’s number, usually composed of seven digits (usually something like 10-10-220 or 10-10-321) and then you dial the destination number. Just as with calling cards, your own service provider only charges you for the call made to the Dial Around company. While these services were at the height of their popularity in the 1990’s, they have lost popularity due to generally having higher fees than other alternatives such as calling cards and VOIP.

    Bundles

    If you have cable television and internet, many companies offer discounted rates for long distance calling. Some even offer a very low rate in order to get new customers to sign up; however, make sure that you know the terms of the agreement regarding what the rates will be after your introductory price is over.

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    While the name is jovial, the PhoneDog Media network offers up a wealth of written and video content to help readers make important decisions about mobile technology.

    Established in 2001, PhoneDog Media is a privately owned and operated company.

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    Compare Business Bank Accounts #business #phone #service

    #best business banking

    #

    Compare business transaction accounts

    Business Transaction Accounts – August 2nd

    Five things to think about when choosing a business transaction account

    Here are five key questions to ask yourself when comparing business transaction accounts. What is your volume of monthly transactions? Depending on your stage in the business cycle, your volume of monthly transactions may have increased or …

    Business Loans – August 2nd

    Business Sentiment – how are things shaping up for 2016?

    More than anything else, uncertainty is not good for businesses overall and Roy Morgan’s latest business confidence figures showed a pleasing lift in business confidence post the final outcome of the federal election. Business Confidence is …

    Business Transaction Accounts – August 2nd

    The average cost of transactions

    Particularly in a low cash rate environment, transaction fees on bank accounts can really pack a punch. So across the products surveyed for the 2016 business deposit account star ratings, CANSTAR has calculated the minimum, …

    Business Savings Accounts – August 2nd

    The state of business rates

    It is a while now since the official cash rate (OCR) was anywhere near “high”; 7.25% is the highest the cash rate has been over the past decade and that was back in 2008. The …

    Business Savings Accounts – July 20th

    1 in 3 Aussies want to own a business

    One in three Australian’s have an ambition to own their own business, proving Australia’s start-up culture is alive and well, a new National Australian Bank (NAB) report on entrepreneurship has found. The key findings of the …





    Compare small business insurance quotes #cash #flow #business

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Car Insurance Northern Ireland – Compare Cheap NI Quotes #shop #insurance #quotes,


    #

    About CompareNI

    Compare Car Insurance Northern Ireland

    Finding cheap insurance in Northern Ireland can be difficult, especially car insurance.

    With so many insurance companies and brokers based on the UK mainland, many great value policies exclude Northern Ireland. We know how frustrating that can be, so we have developed CompareNI.com to let you compare deals that apply to NI residents.

    Car insurance NI premiums can vary between brokers, as they can charge different fees on top of the original insurance price – so it is worth shopping around to make sure that you don’t pay too much for the cover that you need. At CompareNI.com, we compare the prices these different brokers charge, so you don’t have to contact brokers and insurers individually, which could save you both time and money!

    Car Insurance NI Comparison

    Our system allows you to fill in one simple form to get prices from up to 58 different companies within a couple of minutes. The cheapest insurance quote will be shown at the top of the list, and you can review policy extras and the brief details, before choosing to purchase online or by phone, directly from the insurance company. You can also save these quotes and review them another time, if you aren’t ready to buy today.

    Finding many types of insurance in Northern Ireland just got easier with CompareNI.com!

    It isn’t just cheap car insurance NI and home insurance NI quotes that we can provide – we have partnerships with insurance companies who can get you great deals on all kinds of insurance including van, bike, pet, travel, breakdown and much more.

    We can also help you check out rates on financial products including credit cards, savings accounts, and mortgages in our money section.

    We can help you find insurance no matter where you live in Northern Ireland including Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!

    *51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

    *Purchase a car insurance policy through CompareNI.com and claim your free dash board camera ( Subject to Terms and conditions)


    Compare Cheap Business Insurance Quotes Online at #free #business #plan

    #business insurance quote

    #

    Business insurance

    Compare quotes with Simply Business, [1] our preferred provider for business insurance

    • Compare quotes from Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liabilty, buildings, contents, tools and equipment
    • Buy online or speak to an insurance specialist in a UK-based contact centre

    What should I look for with business liability insurance?

    A good liability insurer should pay towards your legal costs for defending any claim made against you, insure you for compensation claims made against you, and offer you both public and employers’ liability insurance as a package, if you need both Maxine Frances, journalist

  • Is your business protected with employers’ liability cover?

    If an employee is injured or they contract a disease as a result of, or in the course of their employment, they are entitled to claim compensation from the business if it can be proven that the employer was at fault. Employers’ liability covers the cost of the compensation along with any legal fees you might incur if you had to defend the case against you Gocompare.com

  • What does public liability insurance cover?

    Public liability insurance protects you from claims against your business by members of the public. For example, if you damage a client’s property, if a customer has an accident on your premises, or if you provide any advice or service for a fee Maxine Frances, journalist

  • How much does liability insurance cost?

    Most liability cover is based on an annual fee, how much you pay will depend on the size and nature of your business and how many employees you have. It will make a difference if you are a sole trader, partnership or limited company. Your premium may change if you make more claims or if the nature of your industry changes Maxine Frances, journalist

  • How long does liability insurance offer protection for?

    Check your terms and conditions, but some insurers will cover you for incidents before and after the start and end date of your policy. This is important if you’re working in an industry where results tend to be measured in the long rather than the short term Maxine Frances, journalist

  • Does your car insurance cover your business usage?

    If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. Employers should talk to workers about the necessity of having the correct level of cover before they undertake any business journeys in a private car Scott Kelly, car insurance expert

  • How can we help you with business insurance today?

    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


  • What will Brexit actually mean?


  • Making Tax Digital: what does it mean?


  • Five inspiring entrepreneurs over 50


  • Brexit: should Britain leave the EU?


  • How to succeed as a young entrepreneur

    Are pop-up shops losing their edge?

    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more





  • Compare small business insurance quotes #business #ideas #for #college #students

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Auto Insurance Quotes Compare #auto #insurance,cheap #auto #insurance,cheap #auto #insurance #quotes,compare #auto


    #

    Compare Auto Insurance Quotes

    Enter your 5-digit ZIP Code, and click at “Compare Quotes” then get the best auto insurance rates saving over $520 on automotive policy. We are here to provide you cheap and quality auto insurance quotes that can be obtained through comparison tool online. Check out here leading national insurers that provide various auto insurance deals to choose the cheapest annual prices. Such comparison process allows you to get free quotations by zip code, just in some minutes. It compares offers and provides quote by quote from major USA vehicle insurers unless the client is satisfied, including home insurance quotes. Also you may get few different offers from top companies, this is also available when you enter your zip code and start the process online.

    Comparison of Auto Insurance

    It is clear how is affordable our rates are, and how much you can save with us. If you use free quotes comparison service, this is the best way to be insured, finding cheap prices and take advantage of them. Spend around 2 minutes to protect yourself and your auto to stay prepared to accidents and damage which may happen with your vehicle and another person’s car or city property.

    How to Apply Quote Request

    Enter zip code and go to the next step. It needs to fill in some information about your vehicle if you are looking for auto insurance policy. To get home insurance coverage you need to provide information about your house accordingly. Usually agents and companies ask to provide such information because it needs to calculate rates online using zip code. We compare offers from huge amount of companies and provide you the most affordable offers. Comparison takes few minutes, check out quotes online and save on policy.


    Compulsory Third Party (CTP) Insurance NSW #greenslips, #ctp, #ctp #greenslips, #car, #insurance,


    #

    CTP Insurance

    CTP Insurance NSW

    What is CTP Insurance NSW?

    Compulsory third party (CTP) insurance provides compensation for people injured or killed when your vehicle is involved in an accident. The insurer providing the NSW CTP is indemnifying you for claims made against you.

    NSW CTP is compulsory for all vehicles registered in NSW.

    How does NSW CTP work?

    The NSW CTP scheme comprises two separate components, the Third Party Insurance Scheme and the Lifetime Care and Support Scheme.

    The Third Party Insurance Scheme provides compensation for people killed or injured. Compensation can include hospital, medical and rehabilitation costs, loss of earnings and pain and suffering. Some aspects of compensation are reliant on establishing fault by another party and some are payable regardless of fault.

    The third party insurance component of the scheme is underwritten by seven insurers. Insurer pricing and behaviour is monitored and regulated by State Insurance Regulatory Authority (SIRA), previously the MAA.

    The Lifetime Care and Support Scheme provides a higher level of benefit and ongoing care for people catastrophically injured in a motor vehicle accident. Benefits are payable under this scheme regardless of fault. That is, an at-fault driver is entitled to the same benefits as any other catastrophically injured person. The Lifetime Care and Support scheme is funded by way of a levy which is included with your NSW CTP premium.

    CTP Insurance NSW Pricing

    Insurer prices are determined on the basis of guidelines issued by SIRA. Within a range, the guidelines allow insurers to consider different risk factors and to apply different weightings to those factors, so that prices vary between insurers.

    The primary factors which affect price are vehicle type, geographic location, ownership and use, current insurance status, owner and driver age, driving record and claims history.

    You can affect some of those factors, which may help reduce your green slip price.

    Purchasing NSW CTP?

    Your compulsory third party insurance in NSW is often referred to as a green slip.

    When purchasing CTP in NSW it is important to compare prices for all six insurers, based on your vehicle and details. You can undertake a CTP insurance comparison by using the green slip calculator on this website.

    Once you have compared prices you can contact the insurer of your choice to purchase your greenslip.

    For light vehicles, NSW CTP can generally be purchased for six or twelve months, however there are a few things to consider:

    • The period of CTP insurance must match the period of registration.
    • The six month registration option is not available if you are registering a vehicle for the first time, transferring a vehicle from interstate, transferring ownership or re-registering a vehicle after the registration has been cancelled.
    • Registration is cancelled if registration is not renewed within three months of expiry.
    • If your registration is more than three weeks overdue, the six month option will not be available.

    Your greenslip insurer will notify Roads Maritime Services (RMS) electronically that you have purchased your CTP green slip, even if you are registering the car for the first time. You no longer need to present a hard copy green slip receipt.

    Registration

    Before you can register your vehicle in NSW you will be required to purchase a CTP green slip. You may also be required to arrange a safety and identity check for your vehicle.

    A vehicle safety check is known as an eSafety Check. A more thorough safety and identity check is known as a Blue Slip.

    Light vehicles in NSW do not require a safety check for the first five years. After five years, an annual eSafety Check will be required in order to renew registration. The registration renewal notice issued the RMS will tell you whether or not an inspection is required.

    Authorised inspection stations will transmit the eSafety Check electronically to the RMS.

    A Blue Slip is required for vehicles being transferred from interstate or being re-registered after the registration has been cancelled. Vehicle registration is cancelled if it is not renewed within three months of expiry.

    Where a Blue Slip is required, the RMS no longer requires a hard copy of the Blue Slip before proceeding with the vehicle registration. E ven though most Blue Slips are sent electronically, you still need to go to RMS with other required material.

    You can renew your registration in person, by phone or online through the RMS.

    2008-2017 greenslips.com.au Pty Ltd


    Compare Business Bank Accounts #loan #to #start #a #business

    #best business banking

    #

    Compare business transaction accounts

    Business Transaction Accounts – August 2nd

    Five things to think about when choosing a business transaction account

    Here are five key questions to ask yourself when comparing business transaction accounts. What is your volume of monthly transactions? Depending on your stage in the business cycle, your volume of monthly transactions may have increased or …

    Business Loans – August 2nd

    Business Sentiment – how are things shaping up for 2016?

    More than anything else, uncertainty is not good for businesses overall and Roy Morgan’s latest business confidence figures showed a pleasing lift in business confidence post the final outcome of the federal election. Business Confidence is …

    Business Transaction Accounts – August 2nd

    The average cost of transactions

    Particularly in a low cash rate environment, transaction fees on bank accounts can really pack a punch. So across the products surveyed for the 2016 business deposit account star ratings, CANSTAR has calculated the minimum, …

    Business Savings Accounts – August 2nd

    The state of business rates

    It is a while now since the official cash rate (OCR) was anywhere near “high”; 7.25% is the highest the cash rate has been over the past decade and that was back in 2008. The …

    Business Savings Accounts – July 20th

    1 in 3 Aussies want to own a business

    One in three Australian’s have an ambition to own their own business, proving Australia’s start-up culture is alive and well, a new National Australian Bank (NAB) report on entrepreneurship has found. The key findings of the …





    Best Business School Programs (MBA) – Compare Rankings #online #business #cards

    #business school rankings

    #

    Best Graduate Business Schools (MBA)

    Choosing the right MBA program is a complicated decision that will continue to affect your career long after graduation. Our list includes only AACSB accredited schools as this is the most respected accreditation agency when it comes to business schools.

    While it is critical to select a program that specializes in the area of business you want to study, be sure to consider the reputation of the school as well as the network of contacts you will build while you are there. For example, if you are interested in quantitative investing, then you might want to look into the MBA program at the Wharton School of the University of Pennsylvania. If entrepreneurship or venture capital is your passion, then you may want to apply to the Stanford Graduate School of Business. Both of these schools have stellar reputations for their programs in those specific concentrations, and their respective networks of contacts will continue to aid in the development of your career for years to come. It is also important to pay close attention to the Smart Rank, which weighs important factors along with expert opinions. Additionally, it is beneficial to consider the average salary for graduates. While this should not be the single determining factor, it can help you make a decision once you have narrowed down your choices.

    Read the following sections for more information on the various factors to consider when choosing a business school. Once you are ready to start researching, head back to the search results page and use the different filters to find the best business school for you.

    Rankings

    Our Smart Rankings are based on the most important factors in the quality of a business school institution and are determined by rating each school on these factors.

    Admissions Selectivity
    GMAT and GPA of incoming students indicate the quality of the student body, which generally translates to the quality of the business school. We also include the average amount of previous work experience the entering class has and the acceptance rate (lower generally indicates higher quality).

    Expert Opinions
    US News. Bloomberg. the Economist. the Financial Times and Forbes rankings are taken into account. These organizations carry a lot of weight in their rankings and look at their own unique factors when determining rankings.

    Post-Graduation Salary
    It’s important to know that when you finish your MBA, you’ll be able to land a job with a decent salary, so post-graduation salary is taken into account when determining rankings.

    Programs Offered

    For students with alternative scheduling and program needs, some schools offer special MBAs. These include:

    Part-time MBA: A part-time MBA is a great choice for a working individual or a student with family responsibilities. Part-time MBAs take longer to complete, but they typically require only half the work load.

    Executive MBA: An executive MBA is designed for managers or executives with several years of work experience. These programs allow seasoned leaders to further develop their skills, while largely maintaining their day-to-day work schedule.

    Online MBA: An online MBA offers the greatest flexibility, allowing students to work from home.





    Compare small business insurance quotes #business #management #software

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Car Hire Lanzarote, Spain #car #hire #lanzarote, #cheap #car #hire #lanzarote, #car


    #

    All you have to do to be in with a chance of winning is make a booking, between 01/6/2017 and 30/6/2017.

    Enter Email address Forgot password Enter Password Continue

    Being an account holder means you can:

    • Access exclusive deals and offers
    • Manage all your bookings in one place
    • Store payment and driver details for even quicker bookings
    • Compare multiple quotes to find the perfect deal

    Terms & Conditions

    Sign In, Book, Win!

    This June, 5 lucky account holders will win a free car rental. Don’t miss out – book today!

    Book Today Being an account holder means you can:

    • Access exclusive deals and offers
    • Manage all your bookings in one place
    • Store payment and driver details for even quicker bookings
    • Compare multiple quotes to find the perfect deal

    Terms & Conditions

    Terms & Conditions

    By participating in the Sign In, Book, Win! Competition, you agree to and accept the Rentalcars.com Standard Terms as well as the following Competition Terms & Conditions (the ‘Competition Terms’):

    1. These terms & conditions (the ‘Standard Terms’), together with the terms & conditions that are specific to any Competition (as defined below) (the “Competition Terms”) are known as the “Rules”. Words used in the Competition Terms shall have the same meaning when used here. In the event of any conflict between the Competition Terms and the Standard Terms, the Competition Terms shall prevail.
    2. The Rules apply to any competition (the “Competition”) that is promoted on the website www.rentalcars.com (the ‘Website’) and by entering a Competition, you agree to be bound by the Rules.
    3. TravelJigsaw Limited (hereinafter referred to as Rentalcars.com) reserves the right to cancel or amend all or any part of a Competition and/or the Rules without notice for any event that is outside of Rentalcars.com s reasonable control. Any changes to the Rules, or cancellation of a Competition, will be posted on the Website. It is the responsibility of entrants to keep themselves informed as to any changes to the Rules.
    4. In the event of any dispute regarding the Rules, the conduct or results of a Competition, or any other matter relating to a Competition, the decision of Rentalcars.com shall be final and unchallengeable and no correspondence or discussion shall be entered into, comment issued, or reason given in respect of any decision made by Rentalcars.com.
    5. Entry is open to all Rentalcars.com customers except employees (and their families) of Rentalcars.com, its agents, any of its group companies, the supplier(s) of the prize(s), and any other companies associated with any Competition.
    6. Where a Competition is open to persons who are resident outside of the United Kingdom, no person may enter a Competition if the Competition breaches any law or regulation of the jurisdiction in which they are resident.
    7. By entering a Competition, you hereby warrant that all information submitted by you in your entry is true, accurate and complete in every respect. Rentalcars.com reserves the right to verify any information contained in your entry and/or your eligibility to enter a Competition.
    8. The entrant(s) must be aged 18 or over and proof of identity and age may be required.
    9. All entries must be made directly by the person entering a Competition and use of a false name or address will result in disqualification.
    10. In the event that a prize-winner is disqualified from a Competition, Rentalcars.com will, unless otherwise stated in the Competition Terms, select an alternative prize-winner in the same manner as the original prize-winner and such selection will be subject to the Rules.
    11. Unless otherwise stated in the Competition Terms, only one entry per person is permitted. In the event that Rentalcars.com discovers or has reasonable grounds to believe that the same person has made multiple entries, such person and any entries made by them shall be disqualified and, if such entrant has already been selected as a prize-winner, an alternative prize-winner will be selected in accordance with Rule 10 above.
    12. Entries made online using methods generated by a script, macro or the use of automated devices will be void.
    13. No responsibility can be accepted for entries lost, delayed or corrupted due to computer error in transit or any other reason.
    14. The prizes are as stated and are not transferable to another individual. No cash or other alternatives will be offered.
    15. The winner(s) is (are) responsible for expenses and arrangements not specifically included in the prizes, including any necessary travel documents, passports and visas. Prizes are subject to availability and the prize suppliers terms conditions.
    16. Rentalcars.com reserves the right to amend or alter the terms of Competitions and reject entries from entrants deemed not to be entering into the spirit of any Competition.
    17. In the event of a prize being unavailable, Rentalcars.com reserves the right to offer an alternative prize of equal or greater value.
    18. The winner(s) agree(s) to the use of their name and photograph and to the disclosure of their country of residence and will co-operate with any other reasonable requests by Rentalcars.com relating to any post-winning publicity.
    19. Unless stated otherwise, all postal entries (if such are allowed) must be made on the relevant coupon or form provided on the Rentalcars.com website.
    20. Unless stated otherwise, the winner(s) will be drawn at random from all entries received by the closing date stated within the promotional material.
    21. Reasonable efforts will be made to contact the winner(s). If the winner(s) cannot be contacted, or is (are) unable to comply with these terms & conditions, Rentalcars.com reserves the right to offer the prize to the next eligible entrant drawn at random. In the event that the promotion is being judged, Rentalcars.com reserves the right to offer the prize to the runner(s)-up selected by the same judge(s).
    22. Confirmation of the prize(s) will also be made in writing to the winner(s).
    23. Failure to respond and/or provide an address for delivery, or failure to meet the eligibility requirements, may result in forfeiture of the prize(s).
    24. Where applicable, the decision of the judge(s) is final, based on the criteria set out in the promotion and no correspondence will be entered into over this decision. Competitions may be modified or withdrawn at any time.
    25. The supplier of the prize will be specified within the promotional material.
    26. A list of winners will be made available to anyone writing to Rentalcars.com at Floors 2-4, 35 Fountain Street, Manchester, M2 2AN, United Kingdom no earlier than six weeks (unless otherwise stated) after the close of a Competition. Only the surname(s) and country(countries) of the winner(s) will be disclosed.
    27. The Rules and any dispute or claim arising out of or in connection with them or their subject matter (including a Competition), existence, negotiation, validity, termination or enforceability (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law.
    28. The Courts of England shall have exclusive jurisdiction in relation to any dispute or claim arising out of or in connection with the Rules or their subject matter, existence, negotiation, validity, termination or enforceability (including non-contractual disputes or claims).

    Back


    Using a SQL Server Logon Trigger #sql #server #consulting, #database #administration, #sql


    #

    One of my customers has an instance where many people log in as sa. We’re planning to change the password and rename the sa login, but we first need to know who is using it, and for what. To do this, I’ve put together an sa Logon Trigger. While I typically avoid triggers, I believe this one is very manageable because it is specific to only one login, and it is only collecting details from each login attempt.

    First I create a LogonAudit table to collect the logon details.

    CREATE TABLE LogonAudit

    But wait. We logged in one time, and we have more than one entry recorded in our LogonAudit table. Why? This happens because there are multiple SQL Server Services running in parallel. If you were to go in and stop all SQL Server Services except for SQL Server (MSSQLSERVER). then you would only capture one entry in the table for each login attempt.

    Maybe you want to disable it for some reason? Rather than deleting it, you can just DISABLE/ENABLE with these statements:

    DISABLE TRIGGER tr_LogonTrigger ON ALL SERVER

    ENABLE TRIGGER tr_LogonTrigger ON ALL SERVER

    See more details here regarding the SQL Server Logon Trigger:

    4 comments:

    Thanks for your post, in my experience logon triggers can become really expensive to the point of creating serious performance issues depending on the number of logon events happening.

    A small improvement you can do in this trigger is first of all validate

    that way you can exit the trigger without further action in 99.9% of the cases. (unless you have everyone using sa , of course)

    Processing the xml and then asking would be a waste of resources.

    Great script, but instead of logging it to a table we put it into the SQL logs. This change meant I would not need to manage another db on my servers; by using exec xp_logevent we achieve the same as a table and it seems to work quite well for our means and tracks the users that need to be tracked.


    Business Bank Accounts – Compare Business Banking Deals #financial #markets #today

    #business bank account

    #

    MoneySuperMarket.com

    Promoted Navigation

    Primary Navigation

    Business current accounts

    Looking for a great deal on business current accounts for your company? Compare our business bank accounts features such as; free business banking, interest on in-credit balances, overdraft facilities and free account transactions. Use our free and independent comparison table to find the best business current accounts today.

    MoneySuperMarket doesn’t offer a comparison service for this type of product, but we have compiled a list of providers below who can help.

    Business Start up accounts

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 25 months free business banking for Start Ups But be aware that 25 months free business banking is available for businesses which open their first account within 12 months of beginning trading with an annual turnover not exceeding £2 million (borrowing & cash limits apply)

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 24 months free Business Banking £500 fee-free overdraft But be aware that Free Business Banking is available for Businesses which are less than 12 months old with an annual turnover not exceeding £1 million Subject to Status. Over 18s only.

  • Interest Rate (AER) 0.25% on balances from 1
  • Monthly Fee For up to 18 monthsNo monthly fee
  • Overdraft Rate (EAR) 5.5% (variable)
  • Great for 12 months’ free day-to-day business banking for start-ups, or 18 months’ free if you are, or become, a 1I2I3 World or Santander Select customer (see provider site for eligibility) Earn interest on any credit balances But be aware that This is available to businesses in their first year of trading opening their first Santander Business Current Account After this free period, you’ll move to Santander’s £7.50 per month tariff or, if another tariff would be more suitable, Santander will be happy to arrange a transfer

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Mobile App
    • Online Banking
    • Overdraft Facility

    Great for 25 months free business banking for Switchers But be aware that 25 months free business banking is available for established businesses switching their main business current account with turnover not exceeding £2 million (borrowing & cash limits apply)

    Great for Simple to manage your monthly outgoings with all your standard business banking included for a single fixed fee, from £7.50 to £40 a month, based on your monthly cash deposits – use Santander’s calculator to see how much you could save Switch in just seven working days But be aware that You’ll pay 50p for every £100 of cash deposited beyond your monthly limit Non-standard transactions such as CHAPS payments, change-giving and foreign currency transactions will incur a charge

  • Interest Rate (AER) 0.00%
  • Monthly Fee No monthly fees, but fee of 69.00 paid yearly
  • Overdraft Rate (EAR) Upon invitation
    • Online Banking
    • Direct Debits
    • Standing Orders

    Great for No credit checks required. Simple instant online application – no interview needed Branch banking service via Post Office network and no inbound bank transfer charges But be aware that Annual fee of £69 and £2 ATM withdrawal fee Monthly outbound transfers will cost £0.99 per transfer after first three

    • Online Banking
    • Standing Orders
    • Text Alerts

    Great for Quick online application No interviews needed But be aware that A £55 application fee applies There is no cheque book supplied with this account and no overdraft or other borrowing facility

    Business bank account guide

    What is a business bank account?

    A business current account works in a similar way to a conventional bank account, but enables you to keep your business transactions separate from your personal finances. This makes life much more straightforward when it comes to managing cash flow and calculating your tax liability at the end of the year.

    Anyone who has started up as a limited company or partnership must have a business bank account. The most basic business accounts consist of a chequebook and paying in book.

    If you are a sole trader you can use your own personal account, but many people still prefer to set up a separate small business bank account. Business accounts are also available for charities and clubs, pension funds and client’s money.

    What to watch out for

    Don t automatically open a business account with your existing bank, as it might not offer good value for money.

    The best business bank accounts will offer you both low charges and decent rates of interest when you are in credit, so make sure you compare accounts to find the right deal to suit your requirements. If you think you will mainly be making payments electronically, go for an account that offers free or low-cost electronic transactions. Alternatively, if you think you’ll be using a lot of cheques, look for low charges on paper transactions.

    You should look for an account which provides online business banking, so that you can check the status of your account day or night.

    Remember that you will need to provide various documents in order to open your account, including a business plan and details about your company. These will include your Certificate of Incorporation if you have set up as a limited company, as well as documents proving your identity such as a passport and driver s licence.

    Unfortunately if you have a history of bad credit, opening a business account is likely to prove difficult, especially given the current economic climate.

    Charges

    Most UK business bank accounts come with an introductory offer such as free banking for 12 or 18 months. While these are tempting, always make sure you know how much you will end up paying once the introductory period is over.

    As a general rule, the more transactions you make on the account, the higher the charges are likely to be.

    Some business current accounts require a regular monthly or quarterly standing charge. This will typically cost you around 15 to 20 per quarter, but a there are plenty of accounts which don t charge this fee at all.

    Make sure you read the small print carefully if you go for business current account which offers free banking indefinitely, as these usually only let you pay in a set maximum each month and a limited number of cheques, which would be no good if your income is going to vary dramatically from one month to the next.

    Extra benefits

    Some banks have a dedicated small business advice team, while others offer a telephone helpline, so check to see what is on offer when comparing accounts. Branch-based chains of advisers can be useful if you want face to face contact to discuss any issues that might affect your business.

    How our site works

    When it comes to choosing a current account for your business, we want to give you as much choice as possible, so you can choose what suits you best. Some providers don t want to be included on comparison websites, so we can t promise to show you accounts from every single one. We rank the accounts according to the length of time you can bank for free, then by the monthly fee, then the interest rate. You can find out more about how we work here.

    Money

    You can rely on us

    We’re here to help





  • Compare small business insurance quotes #introduction #to #business

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Compare small business insurance quotes #names #for #businesses

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Compare Business Bank Accounts #register #a #business

    #best business banking

    #

    Compare business transaction accounts

    Business Transaction Accounts – August 2nd

    Five things to think about when choosing a business transaction account

    Here are five key questions to ask yourself when comparing business transaction accounts. What is your volume of monthly transactions? Depending on your stage in the business cycle, your volume of monthly transactions may have increased or …

    Business Loans – August 2nd

    Business Sentiment – how are things shaping up for 2016?

    More than anything else, uncertainty is not good for businesses overall and Roy Morgan’s latest business confidence figures showed a pleasing lift in business confidence post the final outcome of the federal election. Business Confidence is …

    Business Transaction Accounts – August 2nd

    The average cost of transactions

    Particularly in a low cash rate environment, transaction fees on bank accounts can really pack a punch. So across the products surveyed for the 2016 business deposit account star ratings, CANSTAR has calculated the minimum, …

    Business Savings Accounts – August 2nd

    The state of business rates

    It is a while now since the official cash rate (OCR) was anywhere near “high”; 7.25% is the highest the cash rate has been over the past decade and that was back in 2008. The …

    Business Savings Accounts – July 20th

    1 in 3 Aussies want to own a business

    One in three Australian’s have an ambition to own their own business, proving Australia’s start-up culture is alive and well, a new National Australian Bank (NAB) report on entrepreneurship has found. The key findings of the …





    Compare Cheap Business Insurance Quotes Online at #easy #business #loans

    #business insurance quote

    #

    Business insurance

    Compare quotes with Simply Business, [1] our preferred provider for business insurance

    • Compare quotes from Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liabilty, buildings, contents, tools and equipment
    • Buy online or speak to an insurance specialist in a UK-based contact centre

    What should I look for with business liability insurance?

    A good liability insurer should pay towards your legal costs for defending any claim made against you, insure you for compensation claims made against you, and offer you both public and employers’ liability insurance as a package, if you need both Maxine Frances, journalist

  • Is your business protected with employers’ liability cover?

    If an employee is injured or they contract a disease as a result of, or in the course of their employment, they are entitled to claim compensation from the business if it can be proven that the employer was at fault. Employers’ liability covers the cost of the compensation along with any legal fees you might incur if you had to defend the case against you Gocompare.com

  • What does public liability insurance cover?

    Public liability insurance protects you from claims against your business by members of the public. For example, if you damage a client’s property, if a customer has an accident on your premises, or if you provide any advice or service for a fee Maxine Frances, journalist

  • How much does liability insurance cost?

    Most liability cover is based on an annual fee, how much you pay will depend on the size and nature of your business and how many employees you have. It will make a difference if you are a sole trader, partnership or limited company. Your premium may change if you make more claims or if the nature of your industry changes Maxine Frances, journalist

  • How long does liability insurance offer protection for?

    Check your terms and conditions, but some insurers will cover you for incidents before and after the start and end date of your policy. This is important if you’re working in an industry where results tend to be measured in the long rather than the short term Maxine Frances, journalist

  • Does your car insurance cover your business usage?

    If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. Employers should talk to workers about the necessity of having the correct level of cover before they undertake any business journeys in a private car Scott Kelly, car insurance expert

  • How can we help you with business insurance today?

    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


  • What will Brexit actually mean?


  • Making Tax Digital: what does it mean?


  • Five inspiring entrepreneurs over 50


  • Brexit: should Britain leave the EU?


  • How to succeed as a young entrepreneur

    Are pop-up shops losing their edge?

    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more





  • Compare small business insurance quotes #selling #a #business

    #business insurance

    #

    Business insurance

    Protect your business in minutes

    With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing. So to help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.

    Online business insurance

    Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.

    Covers

    Business insurance FAQ

    See also

    Business insurance: staying legal

    A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies and professionals, in particular small businesses, need insurance.

    Building your business cover

    Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

    If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

    Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

    Sorting your finances

    We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring. invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.

    Why get business cover?

    If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

    • Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
    • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
    • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
    • Additional covers like protection for stock. business interruption. equipment. contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business

    Customer reviews





    Compare Business Bank Accounts #own #your #own #business #ideas

    #best business banking

    #

    Compare business transaction accounts

    Business Transaction Accounts – August 2nd

    Five things to think about when choosing a business transaction account

    Here are five key questions to ask yourself when comparing business transaction accounts. What is your volume of monthly transactions? Depending on your stage in the business cycle, your volume of monthly transactions may have increased or …

    Business Loans – August 2nd

    Business Sentiment – how are things shaping up for 2016?

    More than anything else, uncertainty is not good for businesses overall and Roy Morgan’s latest business confidence figures showed a pleasing lift in business confidence post the final outcome of the federal election. Business Confidence is …

    Business Transaction Accounts – August 2nd

    The average cost of transactions

    Particularly in a low cash rate environment, transaction fees on bank accounts can really pack a punch. So across the products surveyed for the 2016 business deposit account star ratings, CANSTAR has calculated the minimum, …

    Business Savings Accounts – August 2nd

    The state of business rates

    It is a while now since the official cash rate (OCR) was anywhere near “high”; 7.25% is the highest the cash rate has been over the past decade and that was back in 2008. The …

    Business Savings Accounts – July 20th

    1 in 3 Aussies want to own a business

    One in three Australian’s have an ambition to own their own business, proving Australia’s start-up culture is alive and well, a new National Australian Bank (NAB) report on entrepreneurship has found. The key findings of the …





    Compare Cheap Business Insurance Quotes Online at #stock #market #update

    #business insurance quote

    #

    Business insurance

    Compare quotes with Simply Business, [1] our preferred provider for business insurance

    • Compare quotes from Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liabilty, buildings, contents, tools and equipment
    • Buy online or speak to an insurance specialist in a UK-based contact centre

    What should I look for with business liability insurance?

    A good liability insurer should pay towards your legal costs for defending any claim made against you, insure you for compensation claims made against you, and offer you both public and employers’ liability insurance as a package, if you need both Maxine Frances, journalist

  • Is your business protected with employers’ liability cover?

    If an employee is injured or they contract a disease as a result of, or in the course of their employment, they are entitled to claim compensation from the business if it can be proven that the employer was at fault. Employers’ liability covers the cost of the compensation along with any legal fees you might incur if you had to defend the case against you Gocompare.com

  • What does public liability insurance cover?

    Public liability insurance protects you from claims against your business by members of the public. For example, if you damage a client’s property, if a customer has an accident on your premises, or if you provide any advice or service for a fee Maxine Frances, journalist

  • How much does liability insurance cost?

    Most liability cover is based on an annual fee, how much you pay will depend on the size and nature of your business and how many employees you have. It will make a difference if you are a sole trader, partnership or limited company. Your premium may change if you make more claims or if the nature of your industry changes Maxine Frances, journalist

  • How long does liability insurance offer protection for?

    Check your terms and conditions, but some insurers will cover you for incidents before and after the start and end date of your policy. This is important if you’re working in an industry where results tend to be measured in the long rather than the short term Maxine Frances, journalist

  • Does your car insurance cover your business usage?

    If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. Employers should talk to workers about the necessity of having the correct level of cover before they undertake any business journeys in a private car Scott Kelly, car insurance expert

  • How can we help you with business insurance today?

    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


  • What will Brexit actually mean?


  • Making Tax Digital: what does it mean?


  • Five inspiring entrepreneurs over 50


  • Brexit: should Britain leave the EU?


  • How to succeed as a young entrepreneur

    Are pop-up shops losing their edge?

    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more