News
What kind of insurance does a carpenter or joiner need?
By John Healy of Healy Insurances
When we are advising carpenters and joiners on their insurance we establish what assets are owned by the business and also what tasks would be performed.
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Sole trader carpenters who work on sites will need to have Liability Insurance in place; Public and Products Liability and Employers Liability if applicable. If the business has a workshop with fixed woodworking machinery and stock then a Combined Property Policy should also be in place. Woodworking risks are typically rated higher than a standard factory rate and safety measures such as guarded machines and integrated fire and smoke detection systems would be 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
First and foremost, if you have a commercial vehicle then road risk cover is a requirement by law. As with all other motor insurance products, the cover options would be comprehensive, third party fire and theft, or third party only. Optional extras are windscreen cover and trailer cover.
The value of the vehicle is important to review each year, as are the drivers.
Light commercial vehicle policies usually give “open driving 25 to 70-year-olds” but sometimes naming the drivers who will use the vehicle is a better option and can save you money.
If you do not have a fully earned No Claims Bonus it may be an option to have your driving history on other vehicles taken into account, for example on your own private vehicle.
Forklifts should be covered for road risk cover and inspection to comply with health and safety legislation.
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 save you money on your premiums.
News
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 […]
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.
News
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 […]
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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