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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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Pedestrianisation poll: Our readers have their say

By Sean Moriarty The question of pedestrianisation in the town centre has divided Killarney for years but a survey by the Killarney Advertiser this week shows the town slightly more in favour of it. A total of 37.14 percent of respondents want the pedestrianisation of Plunkett St to remain as it is – closed to […]

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By Sean Moriarty

The question of pedestrianisation in the town centre has divided Killarney for years but a survey by the Killarney Advertiser this week shows the town slightly more in favour of it.

A total of 37.14 percent of respondents want the pedestrianisation of Plunkett St to remain as it is – closed to traffic on a permanent basis while 24.76 want it to go back to its pre-pandemic arrangement where the street was only closed to vehicular traffic between 7pm and 7am each night.

An additional 34.29 percent want to see an increase in pedestrianisation in town centre by extending the Main St arrangement that was in place during the summer. In that period the town’s main thoroughfare was closed to traffic, day and night, during the weekend.

Only 20 percent of the respondents want to abolish pedestrianisation altogether, but that is still a significant number ensuring that this debate will linger on for a long time yet.

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National television exposure for local campaign

By Michelle Crean A local group hosting a life-saving information day tomorrow (Saturday) are to receive huge exposure on national TV after a crew came down to interview them about their campaign. Members of Killarney Cardiac Response Unit (KCRU) – who are planning a ‘Restart a Heart Day’ to raise awareness about life-saving techniques – […]

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By Michelle Crean

A local group hosting a life-saving information day tomorrow (Saturday) are to receive huge exposure on national TV after a crew came down to interview them about their campaign.

Members of Killarney Cardiac Response Unit (KCRU) – who are planning a ‘Restart a Heart Day’ to raise awareness about life-saving techniques – invited journalist Paul Byrne and Virgin Media TV crew to town this week.

It’s hoped their campaign will be broadcast tonight (Friday) or tomorrow (Saturday).

The KCRU event takes place tomorrow in ANAM Arts and Cultural Centre between 10.30am and 4pm as part of the European Restart a Heart Day. It’ll include CPR demos, public information, an art display, a video launch w️ith many prizes to be won.

“The crew interviewed Community Responder Helen Duggan who explained the events taking place on Saturday,” Kevin O’Leary from KCRU told the Killarney Advertiser.

“European Restart a Heart Day was founded with the support of the European parliament and takes place on October 16 every year. We’re spreading the message that 20 minutes of your time could make all the difference saving a life.”

In 2021, the focus of the event is on survivors with the hashtag #CPRSavedMyLife.

“With this campaign we want to create awareness that everyone can learn CPR and facilitate BLS courses in schools and public locations.”

He said they hope that Kerry TDs Danny Healy-Rae, Brendan Griffin and Minister for Education Norma Foley will be in attendance throughout the day, and the public are invited to attend.

“Find out how simple actions can save lives. Prizes include a three day First Aid course valued at €300, two First Aid kits, and a voucher for a local business.”

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