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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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X-Factor singer Ben Quinlan to launch new album in Newmarket

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Killarney singer and pianist Ben Quinlan is set to launch his latest Irish album with a special concert in Newmarket, County Cork, this August.

The former X Factor contestant and winner of Ireland’s Alternative Eurovision has titled the event “A Night to Remember.”

The concert will take place on Saturday, August 22, at An Cultúrlann, in his grandparents’ hometown.

Quinlan recently returned from a major international tour across the Netherlands with the Celtic Steps show.

His upcoming performance will feature a mix of traditional and modern Irish music, covering artists from Thomas Moore and the Wolfe Tones to Kingfishr.

The setlist will also include crooner classics from the likes of Frank Sinatra, Dean Martin, and Michael Bublé.

“I’m launching my new album in my grandparents’ hometown and I’m hoping it will be a successful night,” said Quinlan, who performs professionally on the grand piano.
Doors at An Cultúrlann open at 7pm with the show starting at 8pm. Tickets are priced at €20 and the night will serve as the official launch for his new CD.

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Contactless payments launched on Local Link services

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Passengers using TFI Local Link Kerry services in Killarney and across the county can now pay for their journeys using contactless card payments.

The National Transport Authority (NTA) confirmed the rollout this week, allowing commuters to simply tap their debit card, credit card, or mobile devices, such as Apple Pay and Google Pa, when boarding.

The move is designed to offer more convenience for those using high-frequency rural and regional routes.

In Killarney, the new payment option will be available on the TFI Anseo town services, which have seen a significant increase in passenger numbers since their introduction.

The contactless system is currently available for single journey fares, while those using daily or weekly passes can continue to use the Leap website or the TFI Leap Top Up App.
Alan O’Connell, General Manager of TFI Local Link Kerry, welcomed the modernisation of the fleet.

“The introduction of contactless payments is another welcome step forward for public transport in Kerry,” he said. “It complements other major projects in the county, including the expansion of TFI Local Link services and the delivery of TFI Anseo in Killarney, which is proving to be another great initiative.”

While the new technology offers a modern alternative, traditional payment methods are not being phased out. Cash payments, TFI Leap cards, and Free Travel Cards all remains fully valid across the network.

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