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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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Killarney man to launch second Irish history book

By Sean Moriarty Killarney native Patrick O’Sullivan Greene will launch his second book in the Great Southern Killarney on December 2. O’Sullivan Greene explains Éamon de Valera’s mission to gain […]

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By Sean Moriarty

Killarney native Patrick O’Sullivan Greene will launch his second book in the Great Southern Killarney on December 2.

O’Sullivan Greene explains Éamon de Valera’s mission to gain recognition for the newly formed Irish republic in New York in 1919 in his latest book ‘Revolution at the Waldorf: America and the Irish War of Independence’.

Without American recognition and funding the young Irish Government was sure to fail against the might of the British Empire and the book tells the story of how de Valera and Ireland-based Michael Collins – much to the defiance of the British authorities at Dublin Castle – got the new State off the ground.

O’Sullivan grew up in New Street and is now based in Beaufort after a career in finance took him all over the world including Dublin, London, New York and France.

“Killarney is the natural place for me to launch the book,” he told the Killarney Advertiser.

“There will be an interesting mix of people there.”

O’Sullivan Greene published his first book, ‘Crowdfunding the Revolution: The First Dáil Loan and the Battle for Irish Independence’, in 2020.

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Caring group craft charity blankets

By Michelle Crean One community group have shown that they care deeply for others by crafting handmade blankets for charity. Using their range of skills and some colourful wool, members […]

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By Michelle Crean

One community group have shown that they care deeply for others by crafting handmade blankets for charity.

Using their range of skills and some colourful wool, members of Kilcummin Community Care worked together to make blankets for service users on the Kerry Cork Cancer Health Link Bus.

“Each blanket is assigned as a personal gift to the clients using the Cancer Link Bus and is kept by them,” Kate Fleming, Chairperson of Kilcummin Community Care, said.

The knitting of the squares to make the blankets began at a gathering in the Rose Hotel in 2018. It was a gathering of different volunteer groups.

The Kerry Cork Cancer Health Link Bus were requesting knitted squares to make blankets for the clients who were using their facilities, she explained.

“Kilcummin Community Care were knitting at the time, so it was decided to help out this worthy cause. We received donations of wool from people in the parish and surrounding areas. Kilcummin ICA also got involved in the efforts.”

During the two years of COVID-19, members of both organisations continued to knit and are still knitting to the present day.

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