Stuart Insurances
Business Insurance Solutions for you
  2.  > 
  3. Material Damage Cover

Material Damage Insurance - designed just for your business

At Stuart Insurances 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 material damage insurance package based on the individual requirements of your business.

Tailored Advice – Material Damage Insurance with Stuarts

Material Damage is the term normally used to refer to insurance cover for physical property. It will usually provide for loss/damage to this physical property resulting from a specified peril or cause, for example; Damage caused to your buildings or fixtures and fittings as a result of; Fire, Explosion, Theft, Storm, Burst pipes, Subsidence to name but a few.

When you get in touch with us, one of our commercial account executives will talk with you to assess your needs for your material damage insurance cover and guide you through the options.

Give us a call-while this may seem a little daunting we are experts and we promise to to guide you every step of the way and to make this as simple and straightforward.

Is there anything else we can help you with?

  • This box will render properly on the actual page
  • Do not edit

Making a claim

Together we work with you and the insurance company to make sure that your claim is handled efficiently and settled.

Standard Home Insurance Covers

What to expect?

Material Damage Insurance policies can have differences. The more common are;

The excess amount (the amount you have to pay in respect of each and every claim)

Cover Exclusions – these can differ by type of insurance and sometimes by product type or insurance provider

Warranties and Endorsements; These are policy terms that you must continually comply with to ensure that the insurance cover remains valid e.g. “It is warranted that waste materials are collected daily and stored at least 25 metres away from the premises”  

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)

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;

- Public and Products Liability

- Employers Liability

- Glass cover

- Goods in Transit/ Marine

- Fleet Insurance

- 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.

Updates & News

WIN  €150 Voucher for Blackrock Cellar*** from Stuart Insurances & let’s get talking about the BLACKROCK SEAFRONT PLAZA


WIN  €150 Voucher for Blackrock Cellar*** from Stuart Insurances & let’s get talking about the BLACKROCK SEAFRONT PLAZA

Stuart Insurances are based in Blackrock Village and as a local business we are very excited about the proposals by Blackrock Village Rejuvenation Action Group for the fabulous  BLACKROCK SEAFRONT PLAZZA they are proposing, which we feel will be an amazing addition to this area. We are running a competition in support of this proposal and to get the word out there, which we hope in turn means more and more people will come out in support of the project. 

> read more
Congratulations to Wendy on winning our prize of a €200 voucher from O Meara Camping


Congratulations to Wendy on winning our prize of a €200 voucher from O Meara Camping

On behalf of Stuart Insurances and, we would like to offer our congratulations to Wendy on winning our prize of a €200 voucher from O Meara Camping. We hope that you will enjoy spending your voucher. #vanlife #nomads #ireland #campervan #camper

> read more

Insurance Blog

Retirement & Investment Planning From Stuart Insurances


Retirement & Investment Planning From Stuart Insurances

Whoever you are and whatever you do for a living, it’s important that you plan for your retirement. It represents one of the most important decisions in anyone’s life, so when you come to making the right choices, you need a company that you can trust.

> read more
Need Investment Planning Assistance? Get In Touch Today


Need Investment Planning Assistance? Get In Touch Today

Financial planning for the future is vital in anyone’s life, as it’s something that ensures you have enough money for the important things. Whether talking about your own retirement, your children’s wedding or their first car, when you make the right investments, this all becomes possible.

> read more