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Insurance for building contractors

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What kind of insurance does a building contractor need?

Commercial vehicles and machinery

First and foremost, if a building contractor has commercial vehicles then road risk cover is a requirement by law. As with all other motor insurance products, the cover options would be comprehensive, third party fire and theft, or third party only. Commercial fleet polices can cover many vehicles under one policy.
The value of the vehicle is important to review each year, as are the drivers.
Commercial vehicle policies usually give “open driving 25 to 70-years-old” but sometimes naming the drivers who will use the vehicle is a better option and can save you money.
You may need road risk and associated covers for driving plant and machinery such as teleporters, tractors and the like.

Employers, Public and Products Liability Insurance

Employers Liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries to an employee in the course of their employment. Employee numbers and annual wages will need to be disclosed accurately and annually.
Public Liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries or damage to third party property in the course of your business activities.
Your annual turnover will need to be disclosed and reviewed annually. Many main contractors and State bodies may require the tradesperson to have a minimum of €6.5 million limit of indemnity.
Products Liability Insurance covers your legal liability for injuries and property damage in connection with goods sold or supplied.

Other covers needed may include “Tools in Transit” cover which can be arranged in conjunction with your commercial vehicle policy and “Engineering Inspection Cover” may be required on plant and machinery. A “Contract Works Policy” protects the building works in progress against fire. Some insurers can include “Personal Accident” cover on a combined liability policy.

You should seek out the expert advice of a professional insurance broker to review your insurance needs. At Healy Insurances, we can review your business requirements, offer expert advice and save you money on your premiums.

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10-minute plays will linger in the memory

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The West End House School of Arts is delighted to take part in this year’s St Patrick’s Day Festival with a special evening of entertaining readings on Friday, March 13 at 7.30pm.

It promises to be a vibrant showcase of five original 10-minute plays written by emerging local playwrights, each of whom has recently completed a playwriting course with Fiona Doyle (pictured).


Diverse in style and subject matter, these beautifully crafted pieces promise an evening of laughter, tears, and powerful storytelling and each reading will be performed by West End House actors from Kerry.


Together, they highlight the remarkable talent of these up-and-coming writers and actors, who are the future of theatre in our community.

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Get your scrap together

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Following the success of the first ever Killarney Lions Club scrap metal collection in 2025, the Club will again run the event this year in partnership with KWD Recycling on March 28, at Killarney Racecourse.

Similar to 2025, money raised through recycling the metal will go towards improving facilities for families attending the children’s cancer unit in Cork University Hospital, as part of an overall fundraising drive being coordinated by Lions Clubs all over Munster.

The Club is asking people to bring non-ferrous scrap metals such as aluminium, copper, brass, zinc and stainless steel (no white goods such as fridges/cookers washing machines). Volunteers will be on hand from 9am until 4pm to take donations of scrap and work with KWD Recycling to remove it for processing.

“Although Lions Clubs in Munster have already raised some funds for CUH, more is still needed, so we’re delighted that KWD Recycling is working with us again to support this very worthwhile cause”, said Jason Higgins, President of Killarney Lions Club. “We’re asking anyone who has scrap metal at home, at work or on the farm now or in the next few weeks to please bring it to the Racecourse on the day because everything we collect will make a difference.”

Tadhg Healy, Sales Manager at KWD Recycling added that “We will recycle any high quality scrap metal that we collect – it can be quite valuable and of course it’s better for the environment if it’s recycled instead of being dumped. On top of that, the main thing with this collection is to help families of children with cancer, so hopefully we’ll get a good response from everyone and raise as much money as possible through this event”.

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