Stuart Insurances
Business Insurance Solutions for you
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Public & Products Liability Insurance - designed just for your business

Public Liability Insurance is designed to provide you/ your business with cover for your legal liability to third party visitors. If someone is accidentally injured on your premises, Public liability insurance can protect you against damages and legal costs resulting from such claims.  A simple example is someone slipping on your premises and suffering bodily injury as a result.

Products liability Insurance is designed to protect you/ your business to cover injury or damage suffered by third parties caused by products that you supplied or sold but are consumed/ used away from your premises at the time of the incident giving rise to the claim. A simple example is someone who buys a can of air freshener from your business and take it home where it explodes causing injury to their face and hands and they decide you to sue you 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 the most suitable public and/ or products liability insurance package based on the individual requirements of your business.

Tailored Advice – Public & Products 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 public or products liability, for example;

1. There are extensions to cover that may be required, for examples, Wrongful Arrest cover. If a member of your staff was to mistakenly accuse a member of the public of shoplifting, your business could be sued as a result.

2. Employers Liability; 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. The standard limit of indemnity here is €13,000,000.

3. You may need Material Damage cover for your buildings, fixtures and fittings and maybe stock 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.

4. 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.

Standard Public & Products Liability Insurance

What to expect?

Nearly all businesses will require some form of Public Liability Insurance cover. However, Products Liability cover will only be required where you/your business is involved somewhere in the supply chain of the product (from provider of raw materials, manufacturers, wholesalers to ultimate retailers).

Public Liability and Products Liability Insurance are therefore treated separately although often are available under one single product. Most insurers won’t provide Products Liability unless they are also the insurer of the Public Liability risk.  

What else to consider?

We will look at your business and advise you on the appropriate limit of indemnity required. We always recommend a minimum of €2,600,000 for any business, and substantially more for some businesses.

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

- Employers 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.

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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