Stuart Insurances
Business Insurance Solutions for you
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Employers Liability Insurance Cover - designed just for you

Employers Liability Insurance is designed to provide you/your business with cover for your legal liability to protect you against damages claimed for injuries suffered by your employees as a result of working in your business.

How will you define an employee? Do you have the following;

- Full-time and part-time employees

- Self-employed contractors that you hire in

- Temporary staff, apprentices, work experience candidates, trainees and volunteers

Employers Liability Insurance covers you against damages, compensation costs and legal fees as a result of illness or injury suffered by an employee whilst working for you.

A simple example is an employee moving their desk and suffering a back injury as a result.

We use our expertise and knowledge to advise you on the most suitable covers and then we research the market, to secure, for you, the most suitable business insurance package based on the individual requirements of your business.

Tailored Advice – Employers Liability Insurance with Stuarts

When you get in touch with us, one of our commercial account executives will talk with you to assess your needs for your business insurance and guide you through the options. You made need other covers for your business as well as Employers Liability, for example;

  1. There are extensions to cover that may be required- what about employees who are in company vehicles; what about overlaps with motor insurance cover and which policy should be called upon to pay and in what circumstances?
  2. Public Liability Insurance cover may be required to ensure that you are protected against any legal liability from third parties who allege that they suffered injury on your premises or a result of your business activities.
  3. The minimum limit of indemnity that we recommend here is €2,600,000.
  4. You may need Material Damage cover (Material Damage cover refers to Fire, Theft, Storm damage, Burst pipes, and other such perils that could cause a loss to your business) for your buildings, fixtures and fittings and maybe stock as well.  
  5. You may want to consider your potential exposure that could arise in relation to other areas like cyber insurance to protect you against any claims arising from areas such as loss of customer data or a cyber attack.

Give us a call and we promise to advise you every step of the way and to make this as simple and straightforward as possible.

Is there anything else we can help you with?

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Making a claim

Together we work with you and the insurance company to make sure that your claim is handled efficiently and settled quickly so remember before you make a claim call us.

Standard Employers Liability Insurance cover

What to expect?

Business Insurance policies can have differences between covers, depending on what covers you select, policy exclusions and who the provider is. Employers Liability can form part of a business package policy or it can be a stand alone policy in it’s own right.

What else to consider?

We will look at your business and advise you on the appropriate limit of indemnity required. The market standard tends to €13,000,000 – but this is not always the case.

Optional Extras

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

-Public and Products Liability

-Material Damage

-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.

Home Insurance Insurance Articles & Guides

A selection of Our Trusted Insurers

Irish Life
Liberty Insurance
New Ireland Assurance
Road Safety Authority
Royal London
Zurich Insurance Group
Lloyds of London

How to find us?

We are located in the heart of Blackrock village, just a stone’s throw from the Blackrock Dart station.

While we are just a phone call away we love to meet and talk with our customers, our office is open to all our customer to come in and chat so we can get time with you better to understand your requirements.

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