Business Insurance


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Insurance for Small and Medium Sized Businesses 

At An Post Insurance, we understand that small and medium sized businesses like yours want a simple way to get insurance cover that suits your needs, at a competitive price. You work hard to make your business a success, and we want to help you give it the protection it deserves.

Tailored insurance for businesses like yours. We’ve customised insurance products that meet the unique needs of businesses including tradesmen, Irish retailers, office-based businesses and surgeries. If you don’t spot your business below, talk to us: we’ve listed just some of our packages here and can offer cover that fits your requirements.

You can contact our business insurance team directly on 1890 22 22 22. Alternatively you can complete the Callback form and we will arrange to call you back at a time that suits you.

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Click the below to see the key benefits for each product

This cover is well-suited to any surgery or office-based businesses, including solicitors, accountants, estate or travel agents, doctors, dentists or veterinary clinics.

Office & surgery insurance covers:

  • Your assets – including buildings, office or surgery contents and business machinery.
  • Your earnings
  • Your legal liabilities

Key benefits:

Legal liability

  • Up to €3 million for public liability claims, excluding professional negligence, with an option to increase. 
  • Up to €13 million for employer liability claims.

Personal accident assault cover for staff

  • Up to €10,000 for death, total or permanent loss of one or more limbs total or irrecoverable loss of sight in one or both eyes
  • Applies to Employers liability cover only

Theft or storm damage that could put you out of business

  • Applicable cover limit will be noted on your policy schedule 

Cover upgrade options

  • Ask about our range of extra cover options.

Excess is the amount you, as the policyholder, must pay towards any claim you make. In the case of standard excess, you will pay the first €300 yourself. 

This insurance cover is available for a wide variety of retail activities, including hairdressers, butchers, food retailers, furniture shops, clothing and footwear outlets.

Shop insurance covers:

  • Your assets – including buildings, stock, trade contents, machinery.
  • Your earnings – Gross profit, cash-in-transit (up to €10,000) or on your premises.
  • Your legal liabilities – Covering your liability to employees, customers or the general public.

Key benefits

Legal liability

  • Up to €3 million for public liability claims, excluding professional negligence, with an option to increase.
  • Up to €13 million for employer liability claims.

Theft or storm damage that could put you out of business

Personal accident assault cover for staff

In transit cover

  • €5,000 for goods and €10,000 for cash.

Cover upgrade options available

  • Ask about our range of extra cover options.

This cover is ideal for any trades with an annual turnover under €1.25 million and a workforce of ten people or fewer.

Tradesmen insurance covers:

  • You
  • Your employees
  • Your customers
  • Members of the public
  • Your equipment
  • Keeping your business property safe

Key benefits

Legal liability

  • Up to €1.3 million for public liability claims (this can be increased on request).
  • Up to €13 million for employer liability claims.

Plant, tools & equipment

  • Contract works up to €500,000.
  • Construction plant & equipment up to €25,000.
  • Hired-in plant & equipment up to €50,000.

Cover upgrade options available

Personal accident

  • €2000 benefit for death, serious injury or permanent disablement
  • Up to €500 per week for temporary disablement (after one month) optional.
  • Ask about our range of other extra cover options available

This cover maybe ideal for professionals such as IT consultants, Hairdressers, Consultant Engineers or Quantity Surveyors or a small business of up to 8 people or fewer and a turnover of €750,000 or less.

Professional insurance covers:

  • You
  • Your employees

Key benefits

Public Liability

  • Standard indemnity limit of up to €1.3m, with an option to increase to €2.6m & €6.5m
  • Cover for Temporary Staff up to 50 working days

Personal Accident

  • Death and capital benefits cover up to €2,000
  • Applies to principals/partners/directors under 75 years

Cover upgrade options available

  • Employers Liability
  • Personal Accident
  • Business Equipment
  • Professional Indemnity
  • Ask about our range of other extra cover options available

An Post Insurance Small Business Insurance is underwritten by AXA Insurance DAC.