Public Liability, Product Liability and Employer’s Liability Insurance in Ireland
Every business in Ireland requires adequate insurance cover in respect of your employees, your customers, visitors to your premises or place of work and members of the public at large. Here at AOR Insurances (Cavan) Ltd, our liability experts can provide you with insurance cover that protects both your customers and your business.
What is Public Liability Insurance?
Public liability insures you in the event that you are sued by a member of the public who dies, is injured or harmed in any way while on your premises, or if their property is damaged on your premises as a result of your actions.
It protects your business against all claims and litigation.
How much protection will public liability insurance provide?
The limit of indemnity cover starts at €1.3 million, but can differ from business to business and depends on the policy options that you choose.
What is Products Liability Insurance?
Products liability insurance covers your business against any claims made by a person who dies, is harmed or injured as a result of using your product, whether you were the maker of the product or if you simply sold the product to them.
The limit of cover starts at €1.3 million and increases based upon your business’s specific requirements.
What is Employers Liability Insurance?
Employer’s liability covers you against damages, expenses and costs from any legal claims made by employees against you as a result of being injured, hurt or if they die whilst in the course of your employment.
The limit of indemnity is usually €13 million but this cover can be tailored to suit your needs.
Types of Trades and Professions that need Liability Insurance
• Building Contractors & Handymen
• Roofing Contractors
• Painters & Decorators – both Domestic and Commercial
• Carpentry and Joinery Contractor
• Heating and Plumbing Contractors
• Kerbing and Paving Contractors, including Concrete works
• Fabrication contractors
• Windows and Doors – window cleaners, sign writers, door manufacturers, glass installers
Cover is available as both a standalone policy or as part of an all risks policy.
Contact us for a no obligation quotation and let us review your existing insurance cover – we can offer a valuable second opinion and review of your existing cover and see where we can help make improvements or get you a better deal!