Connect with us

News

What kind of insurance cover do offices need?

Published

on

0210675_shutterstock310865801.jpg

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?

.

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.

Advertisement

News

Two Mile School “Says Yes to Japanese”

The pupils and staff of Two Mile Community National School were delighted to welcome Mr Norio Maruyama,  the Japanese Ambassador to Ireland on Tuesday. The Ambassador was at the school […]

Published

on

0278723_IMG280524.jpg

The pupils and staff of Two Mile Community National School were delighted to welcome Mr Norio Maruyama,  the Japanese Ambassador to Ireland on Tuesday.

The Ambassador was at the school to promote the teaching of the Japanese language and culture through the ‘Say Yes to Languages’ programme.

“The pupils in Two Mile were very interested to listen to stories about Japan and to learn about the links between our two countries,” said school principal Catherine Barry.
“As a multi-denominational school, we are very open to different languages and cultures and we look forward to working with the Japanese embassy from next September.”
Two Mile Community National School is the only multi-denominational school in the Killarney school district.

Attachments

Continue Reading

News

 Photographer Anastasiia goes Out and About for Killarney Advertiser.

The Killarney Advertiser is pleased to announce that Anastasiia Garbera has joined the team. Anastasiia is a photographer from Ukraine. She has been living in Killarney for nearly two years […]

Published

on

0278712_0275389AnastasiiaGarbera.jpg

The Killarney Advertiser is pleased to announce that Anastasiia Garbera has joined the team.

Anastasiia is a photographer from Ukraine. She has been living in Killarney for nearly two years and is trying to establish a freelance photography business.
“I love my job. I’ve been shooting for 11 years. I adore photography and connect my life with it. The best thing for me is to show girls and families, brides how beautiful they are. I think it’s my main mission.No need to be a model. We are all beautiful and special. You just need to build more self-confidence. And be sure, I will help you with it.”
Keep an eye out for Anastasiia as she goes Out and About for The Killarney Advertiser.
If you are organising an event and need a photographer email info@killarneyadvertiser.ie for more details.

Continue Reading