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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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All eyes down as St Oliver’s hosts bumper bingo fundraiser

It will be All Eyes Down as the saying goes on October 23 as St Oliver’s Primary School hosts a bumper Bingo Fundraiser night. The event, which is being held […]

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It will be All Eyes Down as the saying goes on October 23 as St Oliver’s Primary School hosts a bumper Bingo Fundraiser night.

The event, which is being held to raise additional funds for the school’s Special Classes, will take place in the Killarney Racecourse in the Celtic Steps venue.

According to Colm Ó Súilleabháin, Principal of St Oliver’s, the idea for the fundraiser was the brainchild of Denise Hendey, a parent of one of the children in the Special Classes who approached the school wanting to assist with raising much-needed funds for the classes. “She has been utterly amazing with the amount of work and organisation she has put into this event, sourcing an incredible number of fantastic prizes for the raffle and spot prizes for the bingo winners” he said.
Continuing he said “We are so appreciative of the incredible support we have received from all the businesses who have sponsored some amazing prizes and made very generous donations in support of the event.”

St. Oliver’s has eight separate Special Classes, home to 62 children. All monies raised on the night will go towards purchasing additional resources for the classes.

The event will commence at 7pm with doors opening at 6pm. So be sure to come along to what is promised to be a fun-filled night with numerous opportunities to win some amazing prizes and hopefully if there is a ‘knock on the door’ or a ‘bang on the drum’ it will be on your bingo card!

Bingo books (€10) and raffle tickets (€5) are available to buy from the school office and will be available on the night. All welcome. Children must be accompanied by an adult.

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Milltown plan to preserve history in community project 

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The Milltown History and Heritage Society has announced plans for an oral history archive for the community.

It is hoped that the collection and preservation of stories and folklore will be a valuable resource for future generations.

Oral history expert and historian Dr Tomás Mac Conmara will speak in Milltown in support of the launch.

Dr Mac Conmara, who is an award-winning oral historian, lecturer and author, will speak at the Muintir na Tíre Hall in Milltown at 8pm on Friday, October 24 and will introduce the fundamentals for the collection of oral history.

The presentation is free of charge and is supported by funding from the Creative Communities Grant Scheme 2025.

Attendees will be introduced to the practical skills required in interviewing, recording and documenting local heritage.

Stewart Stephans of the Milltown History and Heritage Society said they are excited to have Tomás to set them on the right path towards the development of the archive.

He said: “The collection and retention of oral history needs to be approached properly, drawing on the right advice and maintaining high standards, so we are pleased to be getting the input of such a renowned expert.” The event is open to anyone who would like to attend.

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