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.
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?
Making a claim
Together we work with you and the insurance company to make sure that your claim is handled efficiently and settled.
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.
Is there anything else we can help you with?
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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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