What to expect?
Business Insurance policies can have differences between covers, depending on what covers you select, size of the excesses, standard exclusions and who the provider is. Some come in the form of packages policies with a number of covers as standard whilst in other policy types you need to individually select the covers that you require.
What else to consider?
You will need to consider that your sums insured for the Material damage section are adequate as “Average” will be applied to claims e.g. if your building is insured for €500,000 but is really worth a €1,000,000 – then in the event of a claim, the insurer will only pay you half of any loss (on the basis that they were only receiving half of the correct premium)
For covers like Employers Liability and Public Liability, you will need to ensure that you have a sufficient limit of indemnity. For Employers liability, we recommend a limit of indemnity of at least €13,000,000 and for public liability we recommend a limit of indemnity of at least €2.6 million
There are numerous optional extras for the business to consider and we will discuss and advise you on these. These will include covers such as;
- Directors and Officers Liability
- Goods in Transit/ Marine
- Fleet Insurance
- Products Liability
- Key Man Insurance – what if a key director of the business was to become seriously ill and unable to contribute to the business?
Our Business insurance Expertise
We have 40 years’ experience providing tailored Business insurance solutions for Dublin based businesses. From our premises in Blackrock village we have built a reputation as professional and friendly insurance advisers, and our personal and business insurance customers are mainly located around the areas of Dublin City, Blackrock, Stillorgan, Donnybrook, Ballsbridge, Ranelagh, Foxrock and Dun Laoghaire.
Over the last 40 years we have gained an in depth knowledge of the business insurance market. We only ever recommend and work with the best Insurers and our focus is on ensuring the best insurance solution for your business.