Will this Policy meet the requirements of the Local Councils?
Yes – all of the liability policies we recommend meet the requirements of Local Councils.
Can I insure my Plant and Equipment?
Yes – we can insure all of your plant and equipment against accidental damage, fire and theft. We can help you decide what, if any, of your heavy plant needs to be insured for use on public roads. If it is taken from site to site on a low-loader or a trailer, then Third Party only or road risk cover is not required.
Will you help me complete a proposal form?
In most cases we will not need a proposal form. Cover will be based upon the conversations you have with us in relation to your business. Typical questions include your business description, turnover and number of employees. Once cover is agreed, we will send you a summary of these conversations and this document is called a “Statement of Fact”. You can read through it and if there are any changes to be made, we can easily adjust your policy.
What about insurance for a Working Director?
As a sole trader, a working director or business owner is not covered by employer’s liability insurance. However the working director can still become injured or have an accident at work. We can arrange personal accident cover for a director and the price is based upon the weekly amount the director will be paid while out of work and the number of weeks that this payment will be made.
What is the limit of indemnity?
€6.5 million limit of indemnity on the public liability section and €13 million on the employer's liability section. You do not have to have employer’s liability cover if you have no employees.