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Business Insurance.

Business Insurance2025-04-16T12:21:10+00:00

Business insurance policies ensure your business is protected against the unexpected. Each business is different, with a unique set of risks and challenges – and being adequately insured is crucial.

Make sure your business is fully protected by speaking to Compare Insurance, who will find the best value business insurance quote to match your company’s specific needs. 

Business insurance for trades people usually includes product liability cover

What does business insurance cover?

Public Liability Insurance

Public Liability Insurance

Financial protection for your business in the case of being found liable for an injury or loss to a third party.

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 another person due to defect.

Employers_liability_insurance

Employers Liability Insurance

Offers business protection in the event that an employee is injured or becomes ill as a result of their work for your business.

Commercial_property_insurance

Commercial Property Insurance

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

Business Interruption Cover Insurance

Business Interruption Cover Insurance

Financial protection for when a business cannot operate in certain circumstances.

Money/Cash Cover Insurance

Offers financial protection should you fall victim to monetary theft crime, whether by employees or third parties.

fleet-insurance

Commercial Motor Fleet Insurance

Covers you and your employees whilst driving company vehicles.

Professional Indemnity Insurance

Covers individuals or businesses who provide advice or services to clients in the event of errors that cause financial loss to a client.

Key Person Insurance

Covers the most vital employees in a business should they die or fall seriously ill.

Compare Insurance covers all industries for business insurance

Business Insurance For Sole Traders

Business Insurance For Sole Traders

A sole trader is someone who is self- employed operating their own business which they own. If you are a sole-trader it is important that you protect yourself from the risks associated with being self-employed.

Insurance for the Hospitality Industry

Insurance for the Hospitality Industry

Hospitality insurance is a form of business insurance which offers specific cover for the risks involved in running a hospitality business and which is tailored to your individual needs.

Insurance for Gyms & the Fitness Industry

Insurance for Gyms & the Fitness Industry

Gym insurance or insurance for personal trainers, exercise professionals, and fitness instructors will protect that business from unforeseen events that can have financial and legal consequences.

Insurance for Professional Services

Insurance for Professional Services

As with all forms of business insurance, professional services insurance is purchased as a tailored package of insurance types that are appropriate to your specific business or service.

Insurance for Shops & Retail Owners

Insurance for Shops & Retail Owners

If you have a shop or are thinking about a new retail business venture, you may be wondering about insurance. Shop insurance or retail insurance is a type of business insurance specific to a shop or retail business.

Catering Service Insurance

Catering Service Insurance

Serving food and drink to customers can mean that your business is open to a variety of unexpected events and you will need to protect your business, your staff, and your equipment.

Business Insurance Articles

Business Insurance FAQ

Some types of business insurance are legally required, such as employer’s liability insurance if you have staff, and motor insurance if you use vehicles for commercial purposes. Other policies like public liability and professional indemnity insurance are optional, but highly recommended.

Costs vary depending on the type of business, coverage required, turnover, number of employees, and risk factors. A small business might pay as little as €300-€500 per year for basic cover, while larger businesses or high-risk industries may pay significantly more.

Yes, you can get business insurance before the company is registered and even before you have started trading. 

Yes you can get excess on business insurance. 

Excess (also known as a deductible) is the amount of money that your business agrees to pay out of pocket towards a claim before the insurer pays the rest.

EG: If your business suffers a robbery and the total claim is €5,000, If your policy has an excess of €500, the insurer will only pay €4,500. The business will cover €500.

No, unless there are special circumstances, you are not legally required to have any business insurance. 

Depending on the nature of your business you are recommended to have suitable insurance to protect against the unexpected. 

EG: If you are selling a product, product liability insurance will cover you in the event of a lawsuit because of a product malfunction.

Yes, in Ireland, business insurance premiums are generally tax-deductible, provided they are incurred wholly and exclusively for the purposes of your trade or profession.

Essentially any property you can make money from owning can be covered. Rental homes, Office buildings, warehouses, hotels, retail stores and hospitality locations are just a few examples. 

Vacant properties that are set to be sold can also be insured.

If you think you did not receive the full rate of compensation that you believe you are owed, you can make a complaint to the Financial Services and Pensions Ombudsman. 

No. Unlike the United Kingdom, ​​employers’ liability insurance is not a legal requirement. 

Despite there being not legal insurance requirement, it should be noted there is a duty of care to provide a safe working environment for your employees.

Get a business insurance quote today.

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

We will find the best suited business insurance quotes for your business, at the best possible price.

Speak with Compare Insurance today, Ireland’s leading insurance comparison website, and start saving right away!

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Compare business insurance quotes from every insurer.

Take our 90-second online assessment and get the best business insurance quotes on the market. Our vetted business insurance partners are regulated by the Central Bank of Ireland and will outline the various options available to you.

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