Public Liability Insurance in Ireland
We provide public liability insurance in Ireland with fast access to great deals on public liability cover for a wide range of trades and occupations and for businesses of all sizes, from sole traders and part-time businesses to much larger organisations.
What is public liability insurance?
The public liability insurance policy protects the policyholder against claims made against them in respect of their legal liability for personal injury and property damage arising during the course of the business.
Who needs public liability insurance?
Anyone and everyone engaged in business at any level should protect themselves and their business against the significant financial effects of any legal action being taken against them in respect of their legal responsibility. For many the cost of mounting the legal defence to a claim in itself, irrespective of any eventual award or blame, can be catastrophic for the business.
The public liability policy meets the costs of both awards made against the policyholder and any legal defence costs associated with the claim.
What is the limit of indemnity under a public liability insurance policy?
Every public liability policy is issued with a limit of indemnity. This limit represents the insurers maximum liability in respect of any one claim, or in some cases all claims in a policy year (more).
How much public liability insurance do I need?
The limit you choose is a matter for you to decide. This decision will be made upon reflection on the type of work you undertake and your opinion of the maximum likely level of any claim that may be made against you. You may also have a contractual requirement from potential employers or contractors to hold a certain limit under your policy.
Common limits on public liability policies in Ireland are €1.3M, €2,6M and €6.5M with options for different levels available upon request.
How much is public liability insurance?
As with other classes of insurance, the amount you pay for your public liability insurance will depend upon the insurance company’s perception of the risks that your business presents them with. The key factors in pricing public liability cover are;
- what you do
- where you do it
- how much of it you do
- your experience and any previous claims that you may have had made against you.
Does public liability insurance include product liability cover as standard?
Product liability is a distinct class of insurance that protects policyholders against claims arising from the sale or supply of products or goods. When is insured it is usually attached to a public liability policy or to the public liability section of a package or combined policy, but it is not automatically included in all policies. If you need the cover, you need to check that it is there!
How do I buy public liability insurance in Ireland?
You can apply on-line below or you can call us direct to discuss your requirements with a specialist liability insurance broker who will be pleased to work with you to obtain our best terms for your public liability insurance requirements.