Stuart Insurances
Business Insurance Solutions for you
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Offices and Property Insurance - designed just for your business

At Stuart Insurances we are specialists in Offices and Property Insurance. Whether you are a property owner/ landlord who wants to insure your commercial premises or whether you are someone who runs their own office based business, we use our expertise and knowledge to advise you on the most suitable covers. We then research the market to obtain the most suitable Office and/ or property insurance package based on your individual requirements.

Tailored Advice – Offices and Property with Stuarts

When you get in touch with us, one of our commercial account executives will talk with you to assess your needs and we will guide you through the options, for example;

1. You will need Material Damage cover for your buildings and maybe fixtures and fittings as well. Material Damage cover refers to Fire, Theft, Storm damage, Burst pipes, and other such perils that could cause a loss to your business.

2. If you have employees, you will need Employers Liability Insurance to ensure that you are protected against your legal liability for injuries sustained by your employees. For property owners you may have property maintenance employees and cleaners in your employment. For offices you may have clerical employees.

3. Public Liability Insurance cover will be required to ensure that you are protected against any legal liability from third parties who allege that they suffered injury on your premises 

4. You may want to discuss the exposure that could arise in relation to other areas such as cyber insurance. Cyber insurance can 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.

Offices and Property Insurance Insurance Covers

What to expect?

Offices and Property 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 package 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.

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

- 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 Offices and Property 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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