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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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Women bravely bare all for Kerry’s first ‘Dip in the Nip’

By Michelle Crean  It really was girl power at its finest – as 170 women of all ages braved the elements on Sunday to bare all for charity at the weekend. Shore Acre in Camp was the location which was only revealed to the participants for Kerry’s first ever ‘Dip in the Nip’. And amongst […]

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By Michelle Crean
 

It really was girl power at its finest – as 170 women of all ages braved the elements on Sunday to bare all for charity at the weekend.

Shore Acre in Camp was the location which was only revealed to the participants for Kerry’s first ever ‘Dip in the Nip’. And amongst the all female grouping were some Killarney ladies who joined in the empowering adventure for what was described as “a special and unforgettable morning” all in aid of Recovery Haven Kerry.

According to Marisa Reidy from Recovery Haven, the women were of all ages and all walks of life who came together for so many personal reasons.

“Some were still on their own cancer journey, some were celebrating coming out the other side and of course, many were there to honour friends and loved ones who they had lost to cancer, but we were all equal on the day – flaws and all,” Marisa, who also took part in the event, told the Killarney Advertiser.

“It was a truly uplifting and exhilarating experience and we are so, so grateful to each and every lady who joined us for a morning we will never forget. One woman described it as ‘companionship among strangers’ and that really sums it up perfectly. It was emotional, there were some tears, but lots of laughter and we couldn’t have asked for anything more. When the ladies hit the water, they all formed a circle and held hands in a gesture that was totally unplanned – it just happened organically and it was quite overwhelming.”

She added that a very special mention has to be made to Michaela and John Edwards and their team from Wild Water Adventures for their support and expertise in ensuring no stone was left unturned in making it a fabulous, safe event.

“It was an all-female team from beginning to end, from our own volunteers, stewards, registration, Gardai, teas and coffees, lifeguards, sea rescue – girl power at its finest! Now all that’s left to do is start planning for 2022!”

Donations are still being taken via the link on the Recovery Haven Kerry Facebook page.

“So far we are close on €9,000 which is just fabulous.”

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Double the car fun at Killarney Racecourse

A new collaboration between Killarney Valley Classic and Vintage Club and Cars n’Coffee Killarney was hailed a success by event organisers. On Sunday last, between 250 and 300 cars went on display at Killarney Racecourse. The range of cars covered everything from vintage, classic, retro and modern from a 1936 Rolls Royce to a 2017 […]

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A new collaboration between Killarney Valley Classic and Vintage Club and Cars n’Coffee Killarney was hailed a success by event organisers.

On Sunday last, between 250 and 300 cars went on display at Killarney Racecourse.

The range of cars covered everything from vintage, classic, retro and modern from a 1936 Rolls Royce to a 2017 Mercedes Benz AMG.

It was the first time that the local vintage club and the Cars n’Coffee team came together to run an event and it could pave the way for similar such occasions in the future.

“The event attracted a huge cross section of car enthusiasts from all different age brackets which was very important,” Killarney Valley Classic and Vintage Club’s Tom Leslie, who was one of the main organisers, said.

“The owners were there with the bonnets of the cars open and proud as punch of what they were showing. There was a huge amount of public there and loads of new members signed up to our club.”

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