Connect with us

News

What kind of insurance does a carpenter or joiner need?

Published

on

0216777_JP_Healy_1000x600.jpg

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.

.

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.

Continue Reading
Advertisement

News

The late Peggy O’Callaghan was a founder of Kilcummin Scor

By Sean Moriarty Tributes have been paid to Peggy O’Callaghan, who was laid to rest on Tuesday of this week. Peggy played a central role in all activities related to Kilcummin parish. She passed away peacefully at her home on Friday, January 7. Peggy and her husband Michael founded Kilcummin Scor in 1978 – the […]

Published

on

0218715_B28C4389-97BD-45E6-89C2-21C0E5411ABD.jpeg

By Sean Moriarty

Tributes have been paid to Peggy O’Callaghan, who was laid to rest on Tuesday of this week.

Peggy played a central role in all activities related to Kilcummin parish. She passed away peacefully at her home on Friday, January 7.

Peggy and her husband Michael founded Kilcummin Scor in 1978 – the music and drama arm of the local GAA club.

“It afforded the opportunity to females to participate in club activities long before ladies’ football was initiated and it brought many people into the club, many of whom remained involved in different capacities over the years,” said a club statement.

“She has left us a wonderful legacy and will be remembered fondly by those lucky enough to have met her.”

Peggy will be sadly missed by her husband Michael, sons Diarmuid and Shane, daughters-in-law Trisha and Áine, grandchildren Dara, Caoimhe, Donnacha, Siún and Éabha, brothers Seánie and Frank, brothers-in-law, sisters-in-law, nieces, nephews, grandnieces and grandnephews, extended family, neighbours and friends.

Continue Reading

News

Surprise: Details of town-centre inner relief road revealed

By Sean Moriarty Plans to link the Monsignor O’Flaherty Road with New St via a new road at Bohereen na Goun have been announced by Killarney Municipal District. Town engineer John Ahern told Wednesday’s Killarney Municipal District Meeting between elected councillors and senior council executives that Kerry County Council intends to make a compulsory purchase […]

Published

on

0218833_Unknown-7.jpeg

By Sean Moriarty

Plans to link the Monsignor O’Flaherty Road with New St via a new road at Bohereen na Goun have been announced by Killarney Municipal District.

Town engineer John Ahern told Wednesday’s Killarney Municipal District Meeting between elected councillors and senior council executives that Kerry County Council intends to make a compulsory purchase order on lands that will link the two town centre streets.

If plans come to fruition it will be possible for motorists on New St to get to the top of High St, adjacent to the Killarney Advertiser’s town centre office, without travelling through the town centre. The plan was first mooted as far back as 2016.

The announcement caught councillors off guard, it was one of the last topics discussed at the four-hour meeting, but it was broadly welcomed by all.

“This access will change the dynamic of traffic movement in the town forever,” said Cllr Niall Kelleher.

Further details of the surprise project are set to be revealed to elected members over the next four to six weeks.

Attachments

Continue Reading

Trending