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Business Insurance Policy

Our insurance policies provide cover, care and lots of great features and benefits. Read more about your policy details here. 

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