The financial rewards of letting your home or a flat can, at first sight,appear to be outweighed by all the regulations you need to comply with and by the various risks and costs involved.

However, this is not necessarily the case: a good knowledge of what you are doing,

good management and a good insurance package will take care of most eventualities.

There is no law which says you must carry insurance as a landlord, or as a tenant, but it would be foolish not to protect yourself from the financial loss associated with the risks. If you have a mortgage your lender will almost certainly insist that the property is properly insured.

• If you are letting your property your mortgage company will want to know about it and may insist on certain conditions, such as appropriate lettings policies indeed some financial institutions will in fact increase the rate of interest charged to you if you change their security from principal private residence to a rented property.
• Don’t forget, it’s easy to obtain insurance cover by not disclosing all the material facts (such as the fact that you are letting the property) but, in effect, you are not insured. If anything happens the insurance company will investigate and will almost certainly refuse to pay out.
• Landlord’s policies for residential letting are now very competitive and there is little difference in cost from normal household policies.
• The cost is a deductible expense for tax.

For peace of mind and for your best policy use the quotation button above, and see what value is in store for you. {KomentoDisable}

What is Public Liability Insurance ?

Public liability insurance in Ireland is designed to protect you against your legal liability to others that arises in the course of your business.

As you carry on your business in Ireland, circumstances may arise which could cause injury or loss to a third party. Public liability insurance will cover you for claims arising from such circumstances, for which you may be held liable.

Someone may slip on your premises and sue you.

Even if you win, the person who sued may not have any assets and you may fail to recover your costs from him/her.

You end up having to pay your own legal costs, which can be substantial.

How much liability cover should I take out?

That depends on the type of business you have and the risk factors attaching to it.

You should talk to one of our experts.

The consultation is free and you will have the peace of mind that comes from knowing that you are fully covered, that you haven't missed something.

Cover usually starts from €1.300,000 and goes up in accordance with your individual requirements.

Can I get short period cover?

Yes. This covers once off events, such as a St Patrick's Day parade, Christmas Lights, Summer camp etc.

This cover is subject to terms and conditions and we strongly advise you to get the assistance of one of our qualified experts before taking out a policy.

What choices do I have?

You can decide to do nothing and run the risk of being put out of business by a claim or you can pay a tax deductible premium, spread the risk and concentrate on your business in the comforting knowledge that you have the best policy.

What should I do next?

You can telephone us on 1890 666 666

or click on the call me button and we will contact you at a time which suits

Or use the quote button .

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 Liability Insurance

If you are in business then you are liable if you cause injury to others.

That is a simple definition. There are numerous examples where that definition has been broadened.

That is why you cannot afford to be without liability insurance in Ireland.

We have broken liability insurance down into five categories as follows:

 Employer's Liability Insurance

As an employer you are responsible for the welfare of your employees. You have a duty of care towards them. If you are held to have breached that duty, you will have to pay compensation.

Can you afford to ? What impact would this have on your business? Even if you can afford to, pay compensation, is this a good use of resources. Remember, an insurance premium paid on behalf of your business for employer's liability insurance in Ireland is tax deductible.

Various factors can influence the premium you pay, such as number of employees, type of business, risk factors, history of claims.

Public Liability Insurance

If you cause injury to another, then you are liable to pay compensation.

If you invite members of the public onto your premises, and the condition of your property causes them to receive an injury then you could be facing a large claim for compensation and legal costs.

Talk to one of our qualified experts today for tips on how to reduce your public liability insurance costs.

Product Liability Insurance

If you manufacture a product which is faulty in any way and which causes injury to the user, then you could be facing a large number of claims.

It is a worry that all producers face. That is why product liability insurance was developed.

As the production process and the risk factors vary so much between individual companies you should talk to one of our qualified experts to ensure that you have covered everything at the best value premium. The consultation is free. It will give you peace of mind and leave you free to concentrate on developing your product.

Directors and Officers Liability Insurance

Directors and Officers owe a duty to the company. If they are negligent in their capacity as directors or officers they can be sued. If their actions cause loss to the company, there is little comfort to be gained in suing them if they have little or no assets. That is where directors and officers liability insurance comes to the rescue. It will cover the losses,costs and expenses incurred as a result of their negligence as stated in the policy document. No company should be without it.

Combined Liability Insurance.

Combined liability insurance takes the best of the previous policies and packages them to suit the individual business.

It is important to quantify your needs and ensure that the policy covers them adequately.

You don't want to under insure or over insure.

You should talk to one of our qualified experts today.

Contact us by telephone on 1890 666 666 or click on the call me back buttton above

or click on the quote button (above) to start the comparison process today.{KomentoDisable}