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Insurance for plumbing and heating contractors

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By John Healy of Healy Insurances

What kind of insurance does a plumbing and heating contractor need?

Much will depend on what tasks are performed on a daily basis. Sole trader plumbing and heating contractors who work on sites will need to have adequate liability insurance in place; Public and Products Liability and Employers Liability, if applicable. If the business has a workshop with machinery and stock then a combined property policy should also be in place. Gas installation can be included in the business description if necessary.

Below is an outline of the typical covers needed;

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 you 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. Additional covers such as tools and equipment and personal accident can be included on some policies.

Commercial Vehicles

As with all other motor insurance products, the cover options would be comprehensive, third party fire and theft, or third party only. Optional extras such as windscreen cover and trailer cover can be included. Most commercial motor policies are available on an open driving basis but you can save money by naming individual drivers.

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 help you to save money on your premiums.

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Tree of Light ceremony on Monday

The spectacular 100ft Tree of Light in Killarney, festooned with close on 3,000 lights and topped with a giant star, will again illuminate the town this Christmas with the official […]

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The spectacular 100ft Tree of Light in Killarney, festooned with close on 3,000 lights and topped with a giant star, will again illuminate the town this Christmas with the official switch-on date planned for Monday next, December 8.

The lighting up ceremony will take place after a community Mass in the adjacent St Mary’s Cathedral at 6.15pm and a short prayer service will mark the big switch-on.
The towering Tree of Light is a landmark giant Californian Redwood tree located just outside the main door of the Pugin-designed building.
The project is an collaboration between a sub-committee of Killarney Chamber of Tourism and Commerce and the Killarney parish and it creates a wonderful focal point in the town in the lead up to and during the festive season.
Killarney Parish Administrator, Fr Kieran O’Brien and Christmas in Killarney Chairman, Cllr Niall Kelleher extend a warm invitation to all community groups, schools, clubs and organisations, families and individuals to attend the special Mass next Monday evening or to visit the tree this Christmastime.
The feature star on the spectacular tree will take on an extra special meaning this year as it will be dedicated to the late Donal Grady, a long-serving local councillor and former Mayor of Killarney who worked diligently and passionately for the community.
Donal, who passed away in 2024, was a dedicated public representative who worked with great passion and a real sense of purpose on behalf of his loyal supporters.
Through his work as a long-serving chief fire officer in Killarney, he helped so many families at a time when they most needed assistance and reassurance and he brought a great sense of calm and responsibility to the position
The Tree of Light was first lit to mark the millennium year when it commemorated all those who lost their lives in the conflict in Northern Ireland and it was again illuminated in the mid-2000s to remember those who had been killed on Irish roads.
Since then the project is all about community and it celebrates the fact that Killarney is such a wonderful town to live in.
In the past, the star at the top of the tree has been dedicated to great community activists Johnny Hickey, Yvonne Quill, Paul Coghlan and Rena Kennelly.

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O’Donoghue planning National Rally Championship campaign

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Killarney’s Colin and Kieran O’Donoghue claimed victory in the Modified section of the Killarney Towers Hotel Killarney Historic Rally, delivering a controlled run in their Ford Escort Mk2 to secure Colin’s second win in the category and Kieran’s first.


At the finish ramp outside the Plaza Hotel on Saturday evening, Colin O’Donoghue confirmed he is considering a step into the Triton Showers Motorsport Ireland National Rally Championship next season.

He said he plans to travel to Mayo in March to see how the opening round suits before making a decision.

O’Donoghue set the fastest time on all nine stages to secure the win over second-placed Chris Armstrong/Conor Smith, also in a Ford Escort.


Third place went to Gary McPhillips and Conor Mohan, 17.9 seconds further back in their Escort.


The Modified section also featured the battle for the Carrick Cup, awarded in memory of Mike Gaine to the fastest Kenmare-based crew over Moll’s Gap.


This year it went to Tommy Randles/Darragh Lynch, who set the pace among the local contenders and finished 35th overall.

Randles, a long-serving club official, has hinted this could be one of his final competitive outings.


The best Kerry Motor Club crew was John Michael Kennelly / Dylan Harrington, who took fifth overall in the Modified division.

Dave Slattery / Denis Coffey continued their strong season with 13th overall (Class 6, 4th), while Hugh McQuaid and Rathmore school teacher Declan Casey placed 15th overall and sixth in Class 6.

Other locals included Seán Enright / Kevin Doherty who were Class 3 winners on the recent Thomond Rally and backed that up here with another steady finish in 26th.


Tadhg O’Sullivan /Frank Byrnes, Seán Hartnett/Kieran Doherty, Raymond O’Neill/Jason O’Connor, Cyril Wharton/Donal Falvey and Ray Stack/Gene Stack brought their Escorts home safely inside the top 40.

Gary Healy/Niall Myers, switching from a Civic to a Toyota Twin Cam 20V, took third in Class 5.


Paudie O’Callaghan/Daniel Murphy brought their Starlet home fourth in Class 4.


Noel O’Sullivan/Nicholas Burke, one of the few crews to have contested every Historic Rally since it began in 1996, finished 50th overall.


Killarney father-and-son team Tom and Mark O’Sullivan completed the demanding event in their Peugeot 205 GTi.

Representing Kerry Motor Club, Ken McKenna / PJ O’Dowd reached the finish in their Peugeot 205.

Kevin O’Donoghue / John McElhinney used Super Rally to return to the stages after mechanical trouble, as did Kenmare’s Shane McCarthy / Eamonn Creedon who were among several crews targeting future Carrick Cup success and completed their Honda EG6’s run under Super Rally as well.

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