Business Insurance.

Business insurance helps protect your business against the unexpected. Business owners should consider the following business insurances:

Public liability insurance is financial protection for your business should you be found liable for an injury or loss to a third party as a result of carrying out your occupation.

Public liability insurance will offer financial protection to cover awards to third parties as well as medical and legal costs should you be found liable.

Product liability insurance offers financial protection where a product that you have sold, serviced, altered, repaired, or manufactured has caused injury, death, or damage to property of another person due to defect.

Product liability insurance will offer cover for compensation, legal fees, or medical fees should you be found liable for injury or property damage due to a defective product that you have supplied or sold.

Employers Liability insurance covers your business where an employee is injured or suffers a loss in the course of their employment, you will be covered financially by employer’s liability insurance.

Commercial property insurance is specialised insurance cover for property that is owned solely as an investment or to generate income.

Commercial property insurance offers cover for commercial buildings and their contents. It can also cover loss of rent due to storm, flood, fire, a burst pipe or other insurable risk.

It can also offer cover for the tenant’s contents and stock, should you be leasing your business premises.

Fidelity guarantee Insurance can be offered as part of commercial property insurance. Fidelity guarantee insurance offers financial protection for loss of money or property due to the fraud or dishonesty of employees.

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Business interruption insurance covers your business if an insured event occurs such as a flood or major theft, business interruption insurance covers you for loss of profit following the event, so you can continue trading.

Money / Cash Insurance offers financial protection for cash held on the premises or in transit. This gives your company the peice of mind, that they can still operate in the event, money is stollen or lost.

Personal Accident insurance covers your business in the event you have an accident and are injured, personal accident cover will provide financial protection until you recover.

If your business has two or more vehicles, motor fleet insurance will cover cars, jeeps, vans, trucks, and buses in the event you have a motor accident or crash and you or your employee is at fault. It can also cover accidental damage to one of your vehicles, depending on your level of cover.

Your vehicles represent a significant financial investment and driving is one of the riskiest activities your employees carry out so it makes sense to have protection in place to protect your fleet, your employees and any third parties.

Professional Indemnity insurance will cover businesses and individuals costs against claims brought against them by their clients arising out of negligence, breach of contract, breach of IP, breach of data protection, libel, defamation and errors and omissions.

If you or your business offers advice or a professional service , then you need professional indemnity insurance.

Keyperson insurance covers the life of most vital employees in a business should they die or fall seriously ill.

Key person insurance will protect the business from the loss of the knowledge, skills, and experience and the financial impact of that loss by providing a lump sum payment.

All businesses from start ups, sole traders, tradespeople, small to medium enterprises, professionals, to the largest multinationals need business insurance. 

It is important that you get the right cover for your business.  Whatever its size or nature, your business will face unique risks and appropriate business insurance is essential.

Business insurance is not a legal requirement, with the exception of third party motor insurance, but as a business owner, you have a duty of care towards your clients,customers, employees, suppliers, and third parties.  This means that you will need financial protection should something go wrong.

The breadth and range of business insurance products can be intimidating but we can guide you to find the right cover for you at the right price. Peace of mind means that you can get on with what you do best, growing your business.

If you are a business owner and want to protect your business from the unexpected, take our online assessment quiz to speak with the Qualified Financial Advisor suited to your needs.

We will find the best suited Business insurance quotes to fit your business at the best possible price.

Speak with Compare Insurance today, Irelands leading insurance comparison website, and start saving today!