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This cover is well-suited to any surgery or office-based businesses, including solicitors, accountants, estate or travel agents, doctors, dentists or veterinary clinics.

Office & surgery insurance covers:

• Your assets – including buildings, office or surgery contents and business machinery.
• Your earnings
• Your legal liabilities

Key benefits:

Legal liability

• Up to €3 million for public liability claims, excluding professional negligence, with an option to increase. 
• Up to €13 million for employer liability claims.

Personal accident assault cover for staff

• Up to €10,000 for death, total or permanent loss of one or more limbs total or irrecoverable loss of sight in one or both eyes
• Applies to Employers liability cover only

Theft or storm damage that could put you out of business

• Applicable cover limit will be noted on your policy schedule 

Cover upgrade options

• Ask about our range of extra cover options.

Excess is the amount you, as the policyholder, must pay towards any claim you make. In the case of standard excess, you will pay the first €300 yourself. 

This insurance cover is available for a wide variety of retail activities, including hairdressers, butchers, food retailers, furniture shops, clothing and footwear outlets.

Shop insurance covers:

• Your assets – including buildings, stock, trade contents, machinery.
• Your earnings – Gross profit, cash-in-transit (up to €10,000) or on your premises.
• Your legal liabilities – Covering your liability to employees, customers or the general public.

Key benefits:

Legal liability

• Up to €3 million for public liability claims, excluding professional negligence, with an option to increase.
• Up to €13 million for employer liability claims.

Theft or storm damage that could put you out of business

Personal accident assault cover for staff

In transit cover

• €5,000 for goods and €10,000 for cash.

Cover upgrade options available

• Ask about our range of extra cover options.

This cover is ideal for any trades with an annual turnover under €1.25 million and a workforce of ten people or fewer.

Tradesmen insurance covers:

• You
• Your employees
• Your customers
• Members of the public
• Your equipment
• Keeping your business property safe

Key benefits:

Legal liability

• Up to €1.3 million for public liability claims (this can be increased on request).
• Up to €13 million for employer liability claims.

Plant, tools & equipment

• Contract works up to €500,000.
• Construction plant & equipment up to €25,000.
• Hired-in plant & equipment up to €50,000.

Cover upgrade options available

Personal accident

• €2000 benefit for death, serious injury or permanent disablement
• Up to €500 per week for temporary disablement (after one month) optional.
• Ask about our range of other extra cover options available

This cover maybe ideal for professionals such as IT consultants, Hairdressers, Consultant Engineers or Quantity Surveyors or a small business of up to 8 people or fewer and a turnover of €750,000 or less.

Professional insurance covers:

• You
• Your employees

Key benefits:

Public Liability

• Standard indemnity limit of up to €1.3m, with an option to increase to €2.6m & €6.5m
• Cover for Temporary Staff up to 50 working days

Personal Accident

• Death and capital benefits cover up to €2,000
• Applies to principals/partners/directors under 75 years

Cover upgrade options available

• Employers Liability
• Personal Accident
• Business Equipment
• Professional Indemnity
• Ask about our range of other extra cover options available

Office and surgery insurance will cover:

Your assets - Including buildings, office or surgery contents and business machinery.

Your earnings  

Business Interruption Cover up to €300,000 in any one period of insurance (Indemnity period will be shown in your schedule).

Disease, Infestation, Murder or Defective Sanitation (up to €25,000).

•  Loss of Money At the premises during business hours, in transit & in Bank Night Safe €10,000
• At the premises out of business hours €7,500 in safe and €500 out of safe
• Business owner or authorised employee residence €500

Your legal liabilities - Covering your liability to employees, customers, or the general public. Up to €3 million in public liability claims, excluding professional negligence (with the option to increase to €6.5 million*).

Up to €13 million in employer liability* claims (if you have chosen this cover).

Office and surgery insurance will also cover you for fire, storm, escape of water, malicious damage and theft, accidental loss or damage - together with flood and subsidence where insured (subject to terms & conditions) Speak with our team to find out more about this cover.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy. 

Excess is the amount you, as the policyholder, must pay as the first part of each claim made.

Most sections of your insurance have an excess which varies. In the case of standard excess, you will pay the first €300 yourself.  The excess for each event insured is outlined in your Policy Schedule or Policy Document.  

Shop insurance will cover:

Your assets - Including buildings, stock, trade contents, machinery. 

Your earnings 

Business Interruption Cover

• Up to €750,000 in any one period of insurance (Indemnity period will be shown in your schedule).
• Disease, Infestation, Murder or Defective Sanitation (up to €25,000) and cash-in-transit up to €10,000 or on your premises.

Loss of Money

•  At the premises during business hours, in transit & in Bank Night Safe €10,000.
• At the premises out of business hours €7,500 in safe and €500 out of safe.
• Business owner or authorised employee residence €500.

Your product

Goods in transit - The most we will pay for any one vehicle is the amount shown in your schedule in total for any one loss.

Public Liability Cover as standard at €3 million (with the option to increase to €6.5 million*). Excess of €500 for third party property damage. Employers Liability* cover of €13 million (if you have chosen this cover).

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Shop insurance will also cover you for fire, storm, escape of water, malicious damage and theft, accidental loss or damage - together with flood and subsidence where insured (subject to terms & conditions).  Speak with our team to find out more about this cover.

Yes, the cost of fire brigade attendance fees charged by any local authority attending to a fire that results in a claim under your policy are covered up to a maximum of €25,000.

Unless otherwise specified in the schedules, wines, spirits and tobacco cigarettes are covered up to €1,000.

Yes, Loss of or damage to Lottery Equipment for which you are responsible is covered provided it has been included in the Sum Insured Figure on your policy.

The sum insured in respect of stock is increased in each period of insurance by

1. 30% during the months of November and December

2. 30% for 14 days before and 14 days after a bank holiday if it does not fall within the period in 1 above.

We will pay you for or at our option make good any accidental or malicious breakage or scratching of all internal or external fixed glass including showcases, shelves, tops and mirrors and sanitaryware belonging to you or for which you are responsible at your premises during the period of insurance. Provided that the glass is in good condition at the start of your policy. Following breakage of fixed glass we will also pay for the cost of

1. boarding up. You may instruct builders or glaziers to board up without our prior consent.

2. repairing damage to window frames, framework, shutters and blinds.

3. removing or replacing the fixtures and fittings necessarily incurred to replace the glass.

4. repair of damage to the shop front for which you are responsible caused by accidental external means or malicious people.

5. damage to goods incidental to the business caused by breakage of fixed glass in display windows.

6. replacing lettering, alarm foil or other ornamental work on glass up to a maximum of €750 for any one loss.

Excess of €250 applies

Yes – you will be covered up to €2,500 in any one period of insurance for the replacement of equivalent locks at your Shop/Office/Surgery. It is important to note that unless you or an Employee lives on the premises, keys to any safe or strong room must not be left at the Shop/ Office/Surgery when closed for business.

• Money in a safe outside of business hours covered up to €7500.
• Money in transit within Republic or Ireland or Northern Ireland or in bank safe to a max limit of €10,000.
• Money in your residence or the residence of an authorised employee up to €500.
• Money from gaming machine or vending up to a limit of €500.
• Money from shop/office/surgery during business hours up to a max limit of €10k in any one loss.

Accidental loss of or damage to signs (other than neon signs) is covered up to a maximum amount of €1,000 in any one Period of Insurance. 

Accidental loss or damage to Neon signs is covered up to a maximum of €2,500 in any one period of insurance.

Excess of €300 applies.

Loss or damage to frozen or chilled stock in any freezer, cabinet deep freezer, cold room, cold store or chilled cabinet are available up to the limit shown in your schedule in any one loss. Subject to certain exclusions and increased cover available at an additional premium*.

Where the frozen food, cabinet deep freezer, cold room, cold store or chilled cabinet is over 10 years old you will be responsible for 20% of the loss.

Excess of €300 applies and €250 for internal glass.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy. 

Damage or loss to plans, deeds, briefs, manuscripts, books, documents and office records covered by any of the insured perils are covered. The most we will pay is 20% of the item sum insured shown in your schedule in any one period of insurance. The same applies for computer disks and tapes.  These items must remain within the Republic of Ireland and Northern Ireland.

Excess of €300 applies.