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What kind of insurance cover do offices need?

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By John Healy of Healy Insurances

As the COVID restrictions are eased and workers return to offices what kind of insurance cover do offices need?

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A broad outline of covers would include:

Material damage cover for buildings: fixtures and fittings, stock, computers and equipment, and other assets that your business owns. Covers will include fire, flood, escape of water, theft, and storm amongst other perils. Cover extensions are available such as fire brigade charges, signage and equipment in transit.

Money cover: Loss of money cover is usually standard up to €5,000 for cash and cheques. The amount of cash covered can be increased depending on safe and security details. Personal assault cover can be included when carrying cash to the bank.

Employers, Public and Products Liability: All office and surgery policies include liability cover. Employer’s Liability is covered up to €13 million and can be rated on employee numbers and/or wages. Worldwide cover can be arranged for employees working temporarily overseas.

Public liability: 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. Projected turnover will determine the rate charged. Products liability provides cover if a third party is injured by a product that you have sold.

Business interruption: covers consequential loss of gross profits following an insured event such as a fire. It is important to review your gross profits sum insured on an annual basis. Some office policies are written on a gross annual fees basis rather than gross profit so it is vital to get the correct advice.

Other covers available can include computer breakdown, cyber insurance, employer's liability extension for a locum medical practitioner, personal accident, commercial legal protection, Revenue Commissioners investigations and many more. Many businesses will require professional indemnity in addition to an office policy.

A robust risk management structure can achieve more attractive rates and should include annual health and safety statement reviews, fire safety procedures, CCTV usage, and risk assessments.

Your policy should be tailored to your individual needs, so it pays to get expert advice from professionals who take the time to understand your business.

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Man released without charge in murder case

The man in his 50s arrested in connection with the discovery of a body of a woman in her 70s in unexplained circumstances in Ardshanavooley has been released without charge […]

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The man in his 50s arrested in connection with the discovery of a body of a woman in her 70s in unexplained circumstances in Ardshanavooley has been released without charge in relation to this matter.

Miriam Burns was found in her home on Monday afternoon after family and neighbours became concerned about her welfare.

A file is now being prepared for the Director of Public Prosecutions and investigations are ongoing under the direction of a Senior Investigating Officer.

Gardaí are continuing to appeal to any persons who were in the Ardshanavooley area between 5pm on Friday and 1pm on Monday and observed any activity which drew their attention, to come forward.

Any road users who were travelling in the area at these times who may have camera footage (including dash-cam) are asked to make this footage available to Gardaí.

Anyone with information is asked to contact Killarney Garda Station on 064 6671160, the Garda Confidential Line on 1800 666 111, or any Garda Station.

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Plenty of music and entertainment to celebrate Kilcummin talent

The successes of the Kerry, Munster and All-Ireland Fleadh’s were celebrated with Kilcummin CCÉ members, their families and friends in the clubhouse in Kilcummin on Sunday night. The talent within […]

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The successes of the Kerry, Munster and All-Ireland Fleadh’s were celebrated with Kilcummin CCÉ members, their families and friends in the clubhouse in Kilcummin on Sunday night.

The talent within the branch was clearly evident with a packed trophies table. Indeed some of the successes over the last number of months were replayed in a relaxed, jovial atmosphere that meant that all attending had a great night’s entertainment.

“We had demonstrations of winning sets across all age groups and then we moved onto the musicians who pulled out all the stops to entertain the large crowd, packed into the clubhouse,” Derek O’Leary, Kilcummin CCÉ PRO, told the Killarney Advertiser.

John Moriarty, who has recently retired from his role of Supervisor with Kilcummin Rural Development was acknowledged with a presentation to reflect the outstanding work that he has done to enhance and grow Kilcummin Comhaltas over his 25 years in his role, he added.

“Much thanks and praise was also offered to Mary, Adrian and Conor Moriarty, all involved in the progression of dancing and music within the Kilcummin branch. The music and entertainment continued with Helen Kerins and Denis Crowley late into the night. We’re looking forward to next year already!”

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