You’ve Taken the Risk, Let Us Provide the Cover
Commercial Insurance incorporates an extensive range of insurance types and can mean different things to different clients, depending on their business requirements. Essentially it incorporates any type of cover that a commercial operation requires for their business.
Your Insurance Broker will help to take the difficulty out of choosing the right commercial cover for your business by arranging the required protection in a clear-cut and manageable way. Whether you are a landlord looking to insure a commercial property or a local business owner who is operating out of one office, your Insurance Broker can provide you with an insurance package specifically for your business needs.
Your Insurance Broker – When Time Costs Money
Business insurance needs can be complex and understanding the best requirements for your business circumstances requires the expertise and professional guidance of an Insurance Broker. Talk your local Insurance Broker about the best insurance options for your business. Their market expertise and professional know-how will help to steer your business insurance risks in the right direction and help you to save on time, money and effort to focus on what you do best.
Expert Guidance & Advice From Qualified, Experienced Professionals
- Professional management of your commercial cover – policy pricing; renewal comparisons and claims handling on your behalf
- Technical knowledge to recommend the right cover from the right insurer at the most competitive price
- Reassurance that your business can comply with any conditions of cover, arranged with appropriate disclosure of material information and up to date sums insured and trading estimate
- Peace of mind that comes with knowing that your business is adequately protected
Professional Indemnity Insurance
If your business centres around advising others, clients or otherwise, then this cover is vital for your business. When you advise someone even a small mistake can have financial consequences. Professional Indemnity insurance will cover you in the event of legal case being taken.
Public Liability Insurance
This insurance covers your business in the event that a member of the public, supplier or visitor is injured, killed or has their property damaged at your premises. As accidents are an unfortunate reality of a business, it is vital to obtain this cover for protection if a claim is filed.
Employer’ Liability Insurance
If your business employs over one other member of staff, it is a legal requirement that you obtain Employer’s Liability Insurance. This protects you against your legal liability in the event that an employee is injured, suffers an illness, disease or loses their life under a contract of service with your business.
Commercial Vehicle Insurance
If your business involves the transport of goods or materials via motor vehicles, you will be required to secure Commercial Vehicle Insurance. This insurance will cover you in the event that any of your vehicles are damaged or stolen while working.
Product Liability Insurance
This type of insurance covers your business against claims that arise as a result of a person losing their life, being harmed or getting injured as a result of using your product – whether you made or sold the product.
Just like your home needs cover from risks, your business also needs protection. This cover works along the same lines as home insurance with building and contents being separate entities in the event of a claim. Talk to your Insurance Broker to ensure that you are adequately covered.
Business Interruption Insurance
Business interruption is designed to protect businesses for the loss in business income resulting from a direct physical loss, damage, or destruction to an insured property by a covered risk. It provides cover to replace business income lost and protects the ‘bottom line’ when an operation is negatively impacted by an incident.
Cyber insurance will protect your business from the impact of a data breach or cyber attack causing a possible financial loss, reputation damage or business disruption. It will generally cover your business’ liability for a data breach involving sensitive customer data, such as PPS numbers, credit card, account and driver’s license numbers and health records.
What are the Benefits
of Dealing with a Broker?
Based on years of professional experience, an Insurance Broker will always provide expert advice to you. As an important and potentially costly aspect of everyday life, you can never have too much advice when it comes to making insurance decisions.
Not being tied to any one provider, an Insurance Broker has access to a variety of products which allows them to extensively compare offerings and advise on the most suitable service, provider and price.
Your Insurance Broker has expertise in a wide range of policy types and insurers and possesses an in- depth knowledge of the overall market to ensure that they are providing the best value deal and cover for your insurance.
Brokers utilise their industry knowledge and experience by doing the ‘leg work’ and will quickly source the best and most suitable insurance deal available. This gives you time to focus on the more important things in life!
An Insurance Broker will always act in their clients’ best interests by dealing personally with you, listen to your concerns and provide specifically tailored assistance and services. They will spend time getting to know and understand your insurance needs.
Peace of Mind
In the event of a claim or query, an Insurance Broker will guide their clients through the process and effectively manage the claim on their behalf. Insurance Brokers are regulated by the Central Bank of Ireland so that consumers are secure and protected at all times.
Insurance Advice From The Experts
Get in touch with your local Insurance Broker today. An Insurance Broker will always act in their clients’ best interests through leveraging their considerable expertise to understand their clients’ needs and select the right insurance solution at the best possible price.
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