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What kind of insurance does a carpenter or joiner need?

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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.

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Great Southern hotel unveils new branding

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The Great Southern Killarney has recently achieved a coveted five-star rating, following significant investment across their guestrooms, dining, and event facilities.

The newly crowned five-star hotel has announced a new brand identity under the campaign theme ‘Splendour, Untamed’, positioning the hotel as a luxury destination which honors its heritage.

The ‘Splendour, Untamed’ concept speaks to duality at the heart of a stay. 

Splendour reflects the elegance of the hotel, restored interiors, luxurious accommodation and warm, attentive service. 

Untamed celebrates the wild beauty of Killarney, and the spirit of exploration it inspires. Curated guest experiences bring this to life, from guided foraging tours and photography walks through Killarney National Park to wellness activities designed to deepen a connection with the destination.

A highlight of the elevated offering is Arbour, the hotel’s brasserie. Grand yet relaxed, Arbour combines original architectural features with a contemporary feel, serving refined classics and seasonal dishes from County Kerry producers.

Jamie Power, General Manager, said that securing five-star status and unveiling their new branding marks a defining moment for the hotel.

He explained: “It is important that our brand reflects the unique balance of rich heritage, adventure and contemporary luxury that defines a stay here. Killarney is a truly unique destination, but it is our people who bring it to life. The warmth, personality and genuine hospitality of our team sit at the heart of every guest experience and is remembered long after they leave,”

The rebrand is accompanied by a refreshed visual identity, new website and brand video, rolling out across all digital channels, marking the next chapter for a hotel that has been at the heart of Killarney for over 170 years.

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Flesk Valley Rowing Club tackles Ocean to City race

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Flesk Valley Rowing Club sent a well-seasoned crew across the county bounds last weekend to compete in the Ocean to City race (An Rás Mór).


The crew, consisting of Peter O’Sullivan, Colm O’Súillebháin, Karol Kelly, and Donal Kelly, was piloted by Carrigaline native Paul Burke. Burke used his local knowledge to navigate the shortest course possible from Crosshaven to Cobh, through Monkstown and Lough Mahon, all the way to the finish line in Cork city.
The crew prepared for the event with marathon training sessions on Lough Lein over the past few weeks, aided by coxes Orlaith O’Sullivan, Caoimhe Kelly, Aodhagán O’Sullivan, and Noel Prendergast.
Club organisers extended thanks to Colm O’Súillebháin for organising the trip, Karol Kelly for towing the boat, Breda Burke for logistical support, and the travelling supporters. Thanks were also expressed to Fossa Rowing Club for the use of their trailer over the weekend.


Flesk Valley Rowing Club Ocean to City 2026: Pictured left to right are Peter O’Sullivan, Donal Kelly, Karol Kelly, Paul Burke, and Colm O’Súillebháin.

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