Don't risk your livelihood - cover your business

As a small business insurance broker Motaquote understands that it can be a time-consuming process finding the right cover to suit you. However, by simply buying the cheapest small business insurance available you could be putting your company at risk.

This is why it's so important to make sure you fully understand what the policy covers - but that's why we're here.

We will spend time finding out about you and your business so that we understand what your requirements are. By understanding your business needs we can find the right policy for you from our panel of insurers. However, it's essential that the information you give about your company is 100% accurate to ensure that you have the correct type of business insurance at an amount adequate for your firm.

Our small business insurance team are a highly trained dedicated team who can offer invaluable advice. For instance - there may be things you may not have previously considered, such as what conditions you may need to abide by to ensure that you are covered if you need to make a claim. Fortunately our team are always happy to sit down and explain these to you in simple, no-nonsense terms. When taking out business insurance cover with Motaquote you can be sure that you have the right cover at the right price.

What happens if you're not covered?

Think about it like this - if a member of the public has an accident as a result of your company's negligence you could be held liable for any damages sustained. If you do not have some form of public liability insurance you could be putting yourself and your business at risk as you will need to pay out of company funds any legal costs and damages claimed.

Another example is building damages. If your office incurs damage as a result of a fire or flood then the costs facing you could be substantial if you haven't covered the building adequately.

By having some form of building and contents insurance you at least have the peace of mind that your work premises are covered should the building be damaged.

Find out more about Motaquote's small business insurance.

Small Business Confidence On The Up

It could be good news for Great Britain - a recent report suggests that with small business confidence on the increase we could see an improvement in employment rates.

Confidence amongst small business insurance policy holders is up, according to the Federation of Small Business (FSB), who have said that in spite of the increasing cost of overheads and issues gaining access to business finance small business confidence has bounced back from the all time low reported at the end of last year.

The report undertaken by the FSB shows that almost 50% of the 3,000 companies surveyed is expecting to see some form of growth over 2012.

Commenting on this John Walker, Chairman of the FSB, stated:

"It is a testament to the hard work and determination of the UK's small businesses that, in the face of rising costs and falling demand, they are still confident about the year ahead."

As business picks up over the next few months many small businesses could start looking to take on additional staff to help with work-loads.

Motaquote are dedicated to supporting small businesses around Wales and the UK. Motaquote guarantees to beat on shop insurance and office insurance.*

*Terms & Conditions Apply

Source: http://www.fsb.org.uk/News.aspx?loc=pressroom&rec=7655

Motaquote Supports Small Retailers

Here at Motaquote we believe it's increasingly important that, as a small business insurance broker, we continue to support small retailers around the UK.

Let's face facts – many independent shops and even their larger equivalents are struggling in the face of the economic downturn and with the rise of online shopping. However, Motaquote feel that it's just as important to support retailers who don't solely sell online – retailers who have and want to maintain their high-street presence.

We recognise that many shops are still a vital part of the community they serve – much like Motaquote's retail branches. With high levels of inflation and the increasing costs of running a shop-front we understand that it's proving difficult to continue trading – this is why we are proud to be able to bring shop owners competitive, affordable cover through our shop insurance scheme.

We are able to offer highly competitive shop insurance cover - in fact we are so confident that we can actually GUARANTEE to beat any shop insurance quote.*

Our comprehensive shop insurance comes with a whole host of excellent features and benefits unique to our policies.

As you would expect from a shop insurance product ours comes with public and product liability, building and contents cover, employers liability and business interruption insurance, however, you also receive:

Legal expenses cover and a glass replacement service. It doesn't end there. Motaquote also offers online shop safety training, online health and safety management, access to the business law library and free legal advice and employee stress counselling hotlines - all part and parcel of one simple shop insurance policy.**

Sound good? Want to find out more? Check out our shop insurance page or give us a call on 0800 587 8989.

* Subject To Terms & Conditions
** Insurer Dependent

Public Liability Insurance – A Big Cost To A Small Business?

Owning a small business isn’t as easy as it used to be. It’s long been acknowledged that we now live in a society who are very conscious of their rights, and as such small businesses really can’t neglect health and safety. Whilst this is a good thing, businesses around the UK also have to contend with unfair allegations – leading to potential court proceedings. Whilst a healthy respect for health and safety is required it’s also vital to consider a public liability insurance policy – you could say that it’s the first step to protecting your business.

Many have said that we live in a nanny state, protected and wrapped in cotton wool from day one, where everything is insured or has some form of legislation attached to it. This may well be true, and it is always a good idea to make sure that you and your business are as protected as possible in this complicated and unpredictable day and age.

If you own a business, then it is a good idea is to take out public liability insurance. In fact, for many businesses it’s essential protection to ensure they’re covered. Liability claims are commonly associated with very high costs to businesses. Whilst the type of cover you need may differ from one business to another, the same fact remains – huge bills and huge costs can cripple you whether you are a small or large business.

It is worth bearing in mind that the world we live in is filled with companies who offer no win no fee legal representation, meaning that anyone with a semblance of a case can take it to court. Whether or not the claimant is justified in their actions is largely irrelevant to your business – the costs required to protect and represent your side of the case can be just as damaging for your bank balance no matter which way the “verdict” sways. Public liability insurance, dependant on the level of your cover, will protect you against and cover for these costs (unless the business is negligent in any way) including settlements, meaning that your business can afford to carry on.

If you decide that public liability insurance is right for your business, then you should research what level of cover matches the style of your business. By assessing the type of business you are involved in is a good place to start. Always make sure you investigate every option fully. While £1 million worth of liability cover could suit one business, others may need to consider more.

The world isn’t as straight-forward as it once was, so it makes sense to try and reduce your costs - public Liability Insurance is a significant step forward to ensuring your business is protected.

Welcome to Motaquote's blog

Hello and welcome to the Motaquote Insurance blog.

Established back in 1991 Motaquote has grown to be one of the biggest insurance brokers in Wales and has been proudly delivering competitive small business insurance cover and personal lines cover, including motor insurance and home insurance, to consumers and small businesses throughout Wales and the UK.

However, Motaquote isn’t just about insurance – we genuinely care about our customers, which is why we offer a range of guides, news and help to our website visitors. We have a wide range of business and health and safety guides for small businesses and even a number of helpful tips for customers looking to save money on car or home insurance.

Other than life insurance, Motaquote can cover you for almost any insurance you can think of – whether you’re looking for cover for your pets, car insurance for your teenager (such as Motaquote's iKube Insurance scheme) or even public liability insurance for that event you’re looking to throw, Motaquote is a one-stop-shop for all your insurance needs.