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Apartment block insurance explained

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By John Healy of Healy Insurances

Management companies and private owners of apartment blocks should review their cover on an annual basis.

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Many insurers have become very selective in the blocks that they insure mainly due to poor construction over the Celtic Tiger years and recently cladding issues following the Grenfell Tower fire in London.

What should typically be covered under an apartment block policy?

Material damage

The rebuild costs of the block including damage to grounds and landscaped gardens. Contents for any common areas should be included along with covers such as trace and access for water damage, fire brigade charges, and theft damage to buildings.

Loss of rent

Consequential loss of rent following an insured event such as a fire should be included and updated annually to fully cover the rent. Alternative accommodation cover could be relevant for owner occupied apartments and should be adequately insured.

Liability

Employers Liability Cover should be included for minor property maintenance and repairs at the block. It is advisable that any third party contactors should have their insurance cover in place. Public Liability will cover your legal liability in the event that you are negligent and required to pay compensation for bodily injuries or damage to third party property.

Legal Protection and Directors and Officers Insurance

This kind of cover can be included in the block policy or as a stand-alone product. Typically it covers legal fees in case of employee disputes, compensation awards cover and legal defence fees for you and your employees. Cover can also be included for fees arising from Revenue Commissioners investigations. Directors and Officers Insurance protects the board of the management company for claims made against the directors for alleged wrongful acts such as breach of duty among other extensions.

It is crucial to get the right advice from an experienced insurance broker who takes the time to understand your risk profile and can research the market to get you the best quotes.

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Pedal for Grace returns to Firies for fifth year

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The fifth annual Pedal for Grace community fundraiser will take place in Firies on Saturday, September 5, with organisers aiming to push total funds raised past the €90,000 milestone.


Held in honour of local girl Grace O’Sullivan, who lives with Stargardt disease, the event brings together cyclists, walkers, and supporters from across the local community to raise vital funds for Vision Ireland. Over the past four years, the initiative has raised almost €90,000 for the national sight loss charity.
This year’s event offers options for all fitness levels, including a 60km route, shorter spins, and a walking course, with tandem options also available. Following the physical challenges, the day will feature a community barbecue, family fun activities, a raffle, and an evening of music and entertainment.
Grace was diagnosed with Stargardt disease, a genetic eye condition that affects central vision and causes progressive sight loss. The annual event was established by her family to raise awareness and support Vision Ireland’s work, which provides practical and emotional support, rehabilitation services, and assistive technology to help people living with visual impairments maintain independence.
Members of the public are invited to register in advance or support the event in Firies on the day. Full details and registration information are available on the Vision Ireland website.

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Top golf scores at Mahony’s Point

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Top golf scores at Mahony’s Point


Ivan Tagney and Aoife Twomey secured top honours at Killarney Golf and Fishing Club as members turned out in large numbers to compete for Captain Tomás Kelliher’s Prize on Mahony’s Point.


In the men’s event, Ivan Tagney claimed the Captain’s Prize with an impressive 42 points. Conor Dillon carded 48 points, returning the lowest score of the weekend, though he was ineligible for the main trophy without an established handicap.
Despite wet weather, the ladies section produced remarkable scoring on Sunday. Aoife Twomey took first place playing off 28 handicap, recording a nett 63. June O’Brien finished runner-up with a 67 nett, followed by Kay O’Connor in third with a 69 nett.
Captain Tomás Kelliher extended his thanks to the committee, staff, and volunteers for organising the flagship competition, praising the course condition and strong turnout across both events.

Results
Men’s Captain’s Prize 1st: Ivan Tagney (42 pts) Best Score: Conor Dillon (48 pts) 3rd: Joseph Sheahan (41 pts) 4th: Michael Cotter (41 pts) 5th: Emmet Scanlon (41 pts) 6th: Ian Sherlock (41 pts) 7th: Cathal O’Connor (40 pts) 8th: Aaron McCann (40 pts) 9th: Dan Quirke (40 pts) 10th: Mark Tuite (40 pts) 11th: Alan O’Meara (40 pts) 12th: Donal Begley (40 pts) Best Gross: Donal Considine (72) Category 1: 1st Kevin Leacy (39 pts), 2nd Ian Cronin (39 pts) Category 2: 1st Adam Carey (40 pts), 2nd Jack Crehan (40 pts) Category 3: 1st John McEnery (40 pts), 2nd Thomas Coleman (39 pts) Category 4: 1st Mike Dreelan (38 pts), 2nd Jason Reen (38 pts) Front Nine: Aaron Coffey (24 pts) Back Nine: Chris Myers (24 pts) Past Captain: Pat Cussen (38 pts) Over 70: Joe Geaney (39 pts) Committee Prize: Shane Horgan (38 pts) Guest Prize: Jack Kelliher
Ladies Captain’s Prize 1st: Aoife Twomey – 63 (28) 2nd: June O’Brien – 67 (20) 3rd: Kay O’Connor – 69 (13) 4th: Louise Langan – 70 (19) 5th: Mary Tobin – 71 (20) 6th: Geraldine Tarrant – 71 (26) 7th: Kathleen O’Keefe – 71 (19) 8th: Noreen O’Callaghan – 72 (18) 9th: Anne Moynihan – 72 (2) 10th: Breda Duggan – 72 (29) Best Gross: Kelly O’Donoghue (76) Front Nine: Kate O’Leary Back Nine: Sarah O’Brien 13-Hole Competition: Maud Malone – 24 pts (28)

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