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There for You – The Benefits of Using Insurance Brokers

Whether you’re a young driver looking for insurance on your very first car, an experienced driver seeking the very best bang for your buck or a business owner looking to protect yourself and your business in the event of an accident, the task of sourcing an Insurance Broker can seem a daunting one. Insurance is, at its very core, a legal agreement between you and your insurer and this can lead to a lot of legal jargon or ambiguity being associated with getting your own insurance.  This causes many consumers to feel overwhelmed and creates a negative image when one thinks of insurance.

However, this need not be the case. In order to illustrate exactly how an Insurance Broker can make the entire insurance process easier for you, we have compiled a list of our top recommendations for why you should be using an Insurance Broker:

Working for you

An Insurance Broker works on your behalf and you can safely say that your interests are also their best interests.

Professional and Fully Qualified

All Insurance Brokers must be regulated with the Central Bank of Ireland and must be accredited with the requisite qualifications in order to provide advice on insurance products so you can be assured that the advice you are receiving comes from someone with excellent knowledge, expertise and experience of the insurance industry.

More Choice in Less Time

By going directly to the insurer, you are only getting one policy quote at any one time. If you want to get a good sense of what deal is out there for you, you’ll have to canvas through potentially dozens of insurers before you have an idea of what a good deal is.   As you can imagine, this can take a long time to do.

Insurance Brokers have access to advanced search engines that allow them to search through a multitude of industry options so they can find you the best deal in a fraction of the time. Why go through the hassle of consulting with insurer after insurer when someone else can do it for you in less time and at no cost to you?


Adding the Human Element

If you are insured directly with an insurer, you will be exclusively conversing with phone line operatives who deal with potentially hundreds of clients per day. They don’t know you, your policy or what you need and often times just want to get you off the phone so they can get to the next call. It can leave you with a feeling of detachment and may even dissuade you from ever ringing again.

A Broker is not a faceless, multinational corporation. They are made up of small teams who have in depth knowledge of their clientele and spend their day tending to whatever problems their clients are experiencing. They will deal with the insurer for you so that you never have to feel that sense of hostility again.

Do yourself a favour and take the headache out of shopping around for your next home, car or business insurance quote – talk your local Insurance Broker today.  Insurance Brokers are your one stop shop to all of your insurance needs.

What Does Farm Insurance Typically Cover in Ireland?

Farm insurance in Ireland typically covers a range of risks and liabilities associated with agricultural activities. While specific coverage may vary depending on the insurance provider and policy, here are some common aspects that are typically covered by farm insurance in Ireland:

Farm Property Insurance:

This provides coverage for physical assets such as farm buildings, machinery, equipment, and livestock. It protects against risks like fire, storm damage, theft, vandalism, and accidental damage.

Public Liability Insurance:

This coverage protects farmers against claims for accidental injury or property damage caused to third parties (e.g., visitors, customers, or neighbours) while on the farm premises. It typically includes legal expenses in case of lawsuits.

Employers’ Liability Insurance:

If the farm has employees, this insurance is essential. It covers claims made by employees for work-related injuries, illnesses, or accidents.

Livestock Insurance:

This coverage protects against the loss of animals due to accidents, disease, theft, or specified perils. It can also include coverage for veterinary expenses or loss of income resulting from the death or injury of livestock.

Crop Insurance:

Depending on the farm’s focus, crop insurance may be included to protect against damage or loss of crops caused by adverse weather conditions, pests, diseases, or other perils.

Agricultural Vehicle Insurance:

Farm vehicles, such as tractors or trucks, can be covered against theft, damage, or liability while operating on the farm or on public roads.

Business Interruption Insurance:

This coverage helps compensate for lost income and increased expenses if the farm operations are interrupted or halted due to an insured event like a fire or storm.

It’s important to note that this is a general overview, and the specific coverage and policy terms can vary among insurance providers. It is recommended to consult with your Insurance Broker with knowledge of farm insurance to get precise details and tailor the policy to your specific farm and requirements.

What is Event Insurance?

Event insurance in Ireland is a type of insurance coverage that provides financial protection and risk management for individuals or organizations hosting events. It is designed to safeguard against potential losses or liabilities associated with organizing and hosting an event, such as conferences, weddings, exhibitions, concerts, festivals, or sporting events.

Event insurance typically covers various aspects of an event, including:

Property Damage:

Coverage for damage to the event venue or rented equipment caused by unforeseen circumstances like fire, theft, or severe weather.

Public Liability:

Protection against claims for bodily injury or property damage caused to third parties during the event. This coverage is particularly important if attendees or participants are injured or if their property is damaged.

Cancellation or Postponement:

Reimbursement for costs incurred if the event needs to be cancelled, postponed, or rescheduled due to unforeseen circumstances beyond the control of the organizers, such as extreme weather, a natural disaster, or the non-appearance of key individuals.


Coverage for financial losses resulting from the non-appearance of a scheduled performer, speaker, or key participant due to circumstances beyond their control, such as illness or travel disruptions.

Event Equipment:

Coverage for loss, theft, or damage to equipment or props used for the event, including audiovisual equipment, staging, lighting, and other rented or owned equipment.

Event Liability:

Protection against claims for bodily injury or property damage caused by the actions of event staff, volunteers, or contractors working at the event.

Event insurance policies can be tailored to the specific needs and requirements of the event, and the coverage options and costs can vary based on factors such as the size of the event, the number of attendees, the location, and the duration. It is important to consult with your Insurance Broker to understand the specific terms, conditions, and coverage limits of event insurance policies available should you need this type of insurance.

What is Gadget Insurance?

Gadget insurance, also known as electronic device insurance or mobile device insurance, is a type of insurance policy that provides coverage for damages, loss, theft, or malfunctions of electronic devices. It is designed to protect the financial investment you’ve made in your gadgets and provide peace of mind in case something goes wrong.

Here are some key points to know about gadget insurance:


Gadget insurance typically covers a wide range of electronic devices such as smartphones, tablets, laptops, cameras, gaming consoles, smartwatches, and other portable devices. The coverage may include accidental damage, liquid damage, theft, loss, mechanical breakdown, and sometimes even software malfunctions.

Protection Options:

Insurance policies may vary in terms of coverage options. Some policies offer comprehensive coverage that includes all potential risks, while others may allow you to choose specific coverage based on your needs. Common coverage options include accidental damage, theft, loss, and extended warranties.

Premiums and Deductibles:

Like any insurance policy, gadget insurance requires payment of regular premiums. The premium amount depends on various factors such as the value of the device, coverage level, and your claims history. Additionally, some policies may have deductibles, which is the amount you have to pay out of pocket before the insurance coverage kicks in.


It’s important to review the policy terms and conditions to understand any exclusions or limitations. Certain situations or circumstances may not be covered, such as intentional damage, cosmetic damage, pre-existing conditions, or loss due to negligence.

Claim Process:

In the event of damage, loss, or theft of your gadget, you would need to file a claim with the insurance provider. This usually involves contacting the insurance company, providing relevant details and documentation (e.g., proof of purchase, police report), and following the claims process outlined by the insurer.

Alternatives to gadget insurance:

Before purchasing gadget insurance, consider whether it’s the most cost-effective option for you. Sometimes, your gadgets may already be covered under other insurance policies you have, such as homeowner’s or renter’s insurance. Additionally, some credit cards offer purchase protection or extended warranty coverage for electronics.

It’s important to carefully assess your needs, compare policies from different insurance providers, and read the terms and conditions to ensure you understand the coverage and any limitations before making a decision to purchase gadget insurance. Seek advice from an Insurance Broker if you are unsure what is best for you.

What is Hospitality Insurance?

Hospitality insurance refers to insurance policies specifically designed to protect businesses operating in the hospitality industry. This type of insurance provides coverage for risks and liabilities commonly associated with businesses such as hotels, restaurants, pubs, guesthouses, bed and breakfasts, and other establishments that offer accommodation, food, and beverage services.

Hospitality insurance typically includes a range of coverage options tailored to the specific needs of the hospitality sector, depending on the insurance provider and the cover selected by the policyholder. These may include:

Property Insurance:

This coverage protects the physical assets of the business, including buildings, equipment, furniture, and fixtures, against risks such as fire, theft, vandalism, and natural disasters.

Public Liability Insurance:

This type of insurance covers claims made by third parties, such as customers or visitors, who suffer injury or property damage on the insured premises. It helps protect the business from legal expenses and compensation costs.

Product Liability Insurance:

If a business in the hospitality industry serves food or beverages, product liability insurance can provide coverage in case a customer becomes ill or suffers harm due to consuming the products provided by the business.

Employers’ Liability Insurance:

If the hospitality business employs staff, this insurance is often a legal requirement. It provides coverage for claims made by employees who suffer injury or illness while working and helps cover legal expenses and compensation costs.

Business Interruption Insurance:

This coverage helps businesses recover financially from a temporary closure or disruption due to events like fire, flood, or other insured perils. It can provide compensation for lost income, ongoing expenses, and additional costs incurred during the interruption.

Alcohol Liability Insurance:

For businesses serving alcohol, this liability insurance offers coverage for claims arising from incidents related to the sale or service of alcohol, such as injuries caused by intoxicated patrons.

These are some of the common types of insurance coverage available under hospitality insurance policies in Ireland. The specific coverage and policy options may vary among insurance providers and can be tailored to meet the unique needs of individual businesses within the hospitality sector. It’s advisable to consult with an Insurance Broker to determine the appropriate coverage for your specific business requirements.

What is Leisure And Activity Insurance?

Leisure and activity insurance in Ireland refers to insurance coverage designed specifically for businesses and organisations involved in leisure, recreational, and activity-based industries. This type of insurance provides protection against various risks and liabilities associated with the operation of these businesses.

Leisure and activity insurance typically caters to a wide range of sectors, including but not limited to:

Sports Clubs and Facilities:

Insurance for sports clubs, fitness centres, gyms, and sports facilities. This may include coverage for injuries, property damage, equipment theft, and public liability.

Adventure and Outdoor Activities:

Insurance for businesses offering adventure sports and outdoor activities such as hiking, mountaineering, water sports, zip-lining, rock climbing, and similar pursuits. Coverage may encompass accidents, equipment damage, public liability, and professional indemnity.

Event Organizers:

Insurance for event organizers and promoters of leisure and recreational events, including concerts, festivals, sporting events, and exhibitions. This coverage can protect against potential risks like property damage, cancellation, public liability, and personal injury claims.

Amusement and Theme Parks: Insurance for amusement parks, theme parks, water parks, and similar attractions. It may cover accidents, ride malfunctions, public liability, property damage, and associated risks.

Leisure and Entertainment Venues:

Insurance for leisure and entertainment venues such as cinemas, theatres, bowling alleys, and indoor play centres. This coverage can include protection against property damage, public liability, and equipment malfunction.

Needless to say the specific coverage and features of leisure and activity insurance policies can vary among insurance providers. It’s crucial for businesses in these industries to assess their specific needs and consult with insurance professionals such as an Insurance Broker to ensure they have appropriate coverage to protect their operations, assets, and liabilities.