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AOR Life Assurance and General Insurance Brokers, Cavan, Ireland

Best Irish Life Assurance

Have you ever stopped to think about what would happen to your family or loved ones after you are no longer around to provide for them? Irish Life Insurance, Mortgage Protection, Serious Illness, Income Protection is a type of insurance product that pays a lump sum amount of money to your family or loved one in the unfortunate event of your death if you had already taken a life insurance policy. Your family can use this lump sum payment to clear your bills and mortgage and have an income to fall back on when the need arises. Taking a life insurance cover is the best thing you can do for your loved ones.

Irish Life assurance also comes in form of living benefits policies which provide regular income payments to individuals who can no longer work and earn a living due to injuries and other life-threatening illnesses such as cancer. Take a life assurance policy and give your family peace of mind as they mourn your death and chart the way forward.

Best Private, Personal Motor/Car Insurance

Getting the best motor/car insurance quotes can be quite complicated given the huge number of insurance companies providing this type of cover in Ireland. Looking for the best provider can be an uphill task especially if you don’t have a good idea of what type of cover to look.

There are three common types of motor/car insurance coverage, namely Third party, Third party fire and theft, and Full Comprehensive covers. It is important to make sure that you choose the right cover right from the start. Third party cover gives you the most basic form of insurance that covers any damage your car can cause to other people and their property except your own. The second type of car insurance, Third party fire and theft, not only covers damage your car causes to others but also allows you to seek compensation for damage or loss resulting from fire or theft. The third and best type of car insurance is the Full Comprehensive cover which is a complete policy that provides cover for theft, damage, and fire including any damage your car causes on a third party after an accident.

Farm Insurance

Statistically, farming is one of the key sectors of production that are prone to accidents, fatalities, and potential losses due to pests, unpredictable weather and other adverse effects of climate change. Getting a farm insurance cover provides you and your family peace of mind in the knowledge that you are protected if everything goes wrong in your farm.
Farm insurance covers a wide range of risks associated with farming business from farm property and produce to liabilities and replacement of income. There are policies for farm properties such as your farmhouse or building and its contents, livestock, machinery, produce and water tanks. You can also get a farm insurance cover for your vehicles and motorized equipment including tractors, loaders, and vehicles. Farm insurance also includes a cover for income replacement due to business interruption or personal accident. A good farm insurance provider should provide you with extra coverage for employer’s liability in case a visitor or worker suffers an injury at your farm.

Home Insurance

Do you live in your own home or have a second holiday home? If so, then you definitely need to protect the property with a home insurance cover. Tenants too need home insurance to ensure that their possessions are protected against theft or damage. If you are a landlord, you need home insurance to protect your valuable investment. Home insurance includes the following types of coverage:

• Insurance cover for your home and its contents
• Landlords’ insurance
• Insurance cover for your holiday home
• Renter’s insurance
• Multi-year home insurance cover
Getting a good home insurance cover with the help of an insurance broker gives you peace of mind that you are financially protected should the unthinkable happen to your property.

Garage, Mechanic, Motor Trade / Dealer Insurance

These are insurance policies tailored for people who work in the motor trade industry, including car dealers and garage owners. Garage, Mechanic, Motor Trade / Dealer Insurance provides customised insurance solutions for a wide variety of your car dealership or garage needs. It covers all types of car-related businesses from brand car dealers to the small mechanic who repairs cars from his or her home. The policy also covers car valeters, tyre and exhaust fitters, windscreen fitters, and crash repairs. Whatever motor trade business you engage in, you need this cover to protect your business in the unfortunate event of damage or loss. It gives you the security of handling and driving your customer’s vehicles with confidence.

Convenience Shop/Store Insurance

If you run a convenience store or shop, then you need a special insurance cover for the wide variety of products you deal in. Convenience Shop or Store insurance covers “non-standard” risks including flat-roofed premises, startup businesses, fire and flood damage, and much more. Most convenience stores hold a large inventory of products and cash that is often left at the store overnight especially on weekends when banks are closed. It is therefore important to ensure that your store has the right financial protection in case you fall victim to a break-in or robbery. You’ll also need to protect your business from claims made by your customers due to accidents at your business premises. Convenience store owners are advised to consult good insurance brokers to get the right type and level of shop or store insurance cover.

Office Insurance

Doctors, accountants, solicitors, and any business that runs its operations from single or multiple offices need office insurance cover to protect their businesses from potential losses or damages. This type of insurance covers the following:
• Property and material damage due to fire, theft, floods, or accidental damage
• Interruption of business and the consequential financial loss probably due to material damage or fire.
• Business liabilities due to claims made against the business by third parties or employees
• Loss of business cash in the office or while in transit
• Cover for office equipment including mobile devices, computers and laptops
The cost of your office insurance will depend on the type of business you run, the location of your office, and the items covered by the policy.

Business Insurance

Business insurance provides innovative solutions tailored to suit the unique insurance needs of your business. This type of insurance cover is available for a wide spectrum of businesses including retailers, property owners, office professionals, SMEs, start-ups, and large established companies.
You can even get business insurance products that focus on your specialist or niche area of operation. The cover helps you to secure your business from a wide range of potentially harmful situations including business interruption leading to loss of income, employer’s liability claims, property liability, damage caused to the business by fire, storm, flood, or even burst pipes, and loss due to theft.
A business insurance policy comes with all or any of the following covers:
• Commercial property insurance for material damage, loss of money, and business interruption
• Employer’s liability
• Public/product liability
• Van or car insurance if your business owns a car or a fleet of vans
Businesses all over the world, including Ireland, face numerous risks on a daily. It is important to ensure that your precious enterprise is financially protected against any form of loss or interruption.

Public Liability Insurance

Public liability insurance protects a business or an insured individual from legal liabilities to third parties as a result of physical injury and damage to material property connected to the insured business. We can never predict when an accident will happen at our businesses or workplace so it is very important for every business to have a public liability cover. This form of insurance gives you a safety net when your livelihood or business is at risk due to liability claims.
This type of insurance includes both product liability and employer’s liability insurance covers. Product liability insurance covers a wide range of liability claims for bodily injury, illness, death, damages, and other expenses a customer may incur after buying a defective product or service from your business. Employer’s liability gives you a financial cover if you or your business is legally liable for injury, illness, death, or damage an employee suffers while working at your company.

Professional Indemnity Insurance

If you run a business where clients rely on your professional advice for their well being, then you need to get a professional indemnity insurance cover. Why? If you unknowingly made a professional mistake or failed to do something important in the course of your duties, you could cause financial damage to your client and be held legally liable for it. The good news is that professional indemnity insurance covers your legal costs while defending your actions and the costs a court may award to your client if you are found to be liable.Public liability insurance protects a business or an insured individual from legal liabilities to third parties as a result of physical injury and damage to material property connected to the insured business. We can never predict when an accident will happen at our businesses or workplace so it is very important for every business to have a public liability cover. This form of insurance gives you a safety net when your livelihood or business is at risk due to liability claims.
This type of insurance includes both product liability and employer’s liability insurance covers. Product liability insurance covers a wide range of liability claims for bodily injury, illness, death, damages, and other expenses a customer may incur after buying a defective product or service from your business. Employer’s liability gives you a financial cover if you or your business is legally liable for injury, illness, death, or damage an employee suffers while working at your company.

Professional indemnity insurance is highly recommended for professionals in the following industries:
• Law firms
• Insurance brokers and agents
• Accountants and investment consultants
• Architects, engineers, and construction companies
• Marketing consulting firms
• Digital marketing, SEO and online reputation management companies
• Call centres, e-commerce, and publishing firms
• Employment agencies
• And individuals who dispense professional advice on any field of life.
Most professionals face liability cases every so often. This is why it is important to have professional indemnity insurance to help you cover costs of defending yourself and any award the court may grant the plaintiff.

Cafe and Restaurant Insurance

Do you run a cafe or restaurant business? You need to protect the business with an insurance policy. Cafe and restaurant insurance covers a wide range of risks associated with your business from property damage to public and employer’s liability claims. The insurance also has you covered against business interruption due to unforeseen damages and legal expenses after a client or customer files a lawsuit against your business. It may also come with some or all of the following covers:
• Material damage cover
•Tenants improvement cover
• Stock, glass, and content covers
• Cover for loss of liquor license
• Theft by employee cover
• Accidental damage cover
• Business interruption cover
• Food poisoning cover
• Cover for stock deterioration
• Legal protection against lawsuits
Run your food and drinks business with confidence by taking a cafe and restaurant insurance policy.

Takeaway Food Insurance

The fast food preparation and delivery industry is not without its share of inherent risks and losses. If you deal in takeaway food, your best option is to take a takeaway insurance policy to protect your business against potential damage, losses, and liability lawsuits from staff and customers. This type of insurance combines several aspects of different insurance covers including public liability, employer’s liability, business insurance, and many more depending on the nature and size of your takeaway business. It is specifically designed to cater for different types of takeaway businesses including:
• Traditional chipper
• Italian takeaways
• Indian takeaways
• Chinese takeaways
• Pizza delivery services
• And many more
A good insurance broker will help you find the best takeaway insurance package that suits the unique needs of your business. With takeaway insurance, you can run your business with peace of mind knowing you are financially covered against any eventuality.

Community Event Insurance Cover

If you are planning or organising a small fundraiser, wedding, or even a large festival, do not forget to ensure that the event is suitably covered with a community event insurance cover. You may need to contact an experienced insurance broker to help you find the best community event insurance package at the best price. It is often difficult to get the right community event insurance that suits the unique needs of your community function if you are not experienced in such matters. Your best option is to enlist the services of an insurance broker with years of experience in the industry.

There are many types of covers involved in a community event insurance package including public liability, volunteers cover, property insurance, adverse weather cover, cancellation and abandonment cover, and money insurance. Remember anything could go wrong in your event so make sure you are financially covered with a community event insurance package before the event starts. The insurance broker will help you identify the right cover for your event, whether it is a conference, music festival or concert, fundraiser, trade exhibition, or any other community-based event.

Van and Commercial Vehicle Insurance

You need a van and commercial vehicle insurance cover if you run a business that uses a van or fleet of vans and other commercial vehicles for delivery of products. The insurance policy protects your business against damage and loss due to accidents and vehicle breakdowns. The insurance market has a wide range of van and commercial vehicle insurance packages with numerous benefits such as step-back no claim protection as a bonus to general van insurance.
With the help of an insurance broker, you can get any type of commercial insurance that suits your needs, from single delivery van insurance to commercial insurance for a fleet of vans or trucks. Insurance brokers are experts in commercial vehicle insurance and will advise you on the appropriate type of cover to take for your fleet of vans or trucks.

AOR Insurances

Located in Cavan Town, North East Ireland, AOR Insurances has been in operation for the last 40 years. We are one of the longest-serving companies in the insurance industry in Ireland. At AOR Insurances, you can be assured of getting the right type and price of insurance for your personal and business needs. We bring to you stability, experience, and knowledge in identifying the best insurance policy on the market today, especially in the current hard economic times.
We provide you with a wide range of choices when it comes to finding the best and most competitively priced insurance quotations. As an insurance broker who works closely with insurers, we can provide you with quality and competitive insurance products tailored to meet your unique personal and business needs.
AOR Insurance has invested in the latest and most innovative technology that we use to research the insurance market and deliver high quality service to consumers. You can count on us for reliable insurance services when you need them most. As a legitimate company, AOR Insurances (Cavan) Ltd is regulated by the Central Bank of Ireland.

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