Business Insurance
Comprehensive insurance solutions for businesses, companies and professionals. Protect your business from unexpected risks with tailored coverage from Ireland's leading insurers.
Types of Business Insurance
From mandatory coverage to recommended protections, we help you find the right insurance for your business needs
Employers' Liability Insurance
Required by law if you have employees. Protects your business against claims from employees who suffer injury or illness in the workplace.
- Covers legal costs and compensation
- Standard cover up to €13 million
- Includes prosecution defense costs
- Fines up to €2,500 per day without it
- Exemptions for sole traders and family businesses
Public Liability Insurance
Protects against claims from members of the public for injury or property damage caused by your business activities.
- Cover from €1.3 million upwards
- Essential for client-facing businesses
- Often required by landlords and clients
- Covers on-premises and off-site incidents
- Includes legal defense costs
Professional Indemnity Insurance
Critical for businesses providing professional advice or services. Covers claims of negligence, errors, or omissions that cause financial loss.
- Protects against negligence claims
- Covers incorrect advice or errors
- Essential for consultants and advisors
- Often contractually required
- Run-off cover available (6 years typical)
Products Liability Insurance
Essential if you manufacture, sell, or supply products. Covers claims where products cause injury or damage to customers or third parties.
- Covers defective products
- Protects manufacturers and retailers
- Includes supplied and altered goods
- Cover from €1.3 million upwards
- Legal costs and compensation included
Business Property Insurance
Protects your business premises, equipment, stock, and fixtures against fire, theft, flood, and other perils.
- Covers buildings and contents
- Protection against fire and theft
- Storm and flood damage included
- Stock and equipment covered
- Essential for owned or leased premises
Business Interruption Insurance
Compensates for lost income if your business cannot operate due to an insured event like fire, flood, or other covered damage.
- Covers lost revenue and profits
- Pays ongoing expenses during closure
- Helps maintain employee salaries
- Covers relocation costs
- Essential for business continuity
Why Choose Finnegan Insurance for Business Coverage?
Tailored solutions for agile businesses, committed to minimizing risks and fostering enterprise growth
Versatile Solutions
Access to 40+ insurers means we can tailor coverage to your specific business needs, size, and industry.
No Unexpected Surprises
Clear policy terms, transparent pricing, and expert guidance so you know exactly what you're covered for.
Easy Adjustment
As your business grows or changes, we make it simple to adjust coverage levels and add new protections.
Transparent Claims
We advocate on your behalf throughout the claims process, ensuring fair treatment and timely settlements.
Business Insurance Costs in Ireland
Typical Premium Ranges
Costs vary based on your industry, turnover, number of employees, and coverage requirements.
| Insurance Type | Typical Annual Cost | Key Factors |
|---|---|---|
| Employers' Liability | From €300+ | Number of employees, industry risk level, payroll |
| Public Liability | €150 - €500+ | Business type, turnover, public interaction level |
| Professional Indemnity | €400 - €2,000+ | Profession, turnover, claims history, cover limit |
| Products Liability | €300 - €1,000+ | Product type, sales volume, manufacturing vs. retail |
| Business Property | Varies widely | Property value, location, security measures |
Note: These are indicative costs only. Contact us for an accurate quote based on your specific business circumstances.
Get Your Business Insurance Quote Today
Expert advice and access to Ireland's leading business insurers
Call us: +353 9096 79237
Email: info@finneganinsurance.com