By John Healy of Healy Insurances
It is heartening to see so many businesses reopen in recent weeks. I hope that the progress can continue so that we see the remaining hospitality businesses back in action shortly.
While there is a raft of information from Government and HSE sources, this week I will briefly outline some items to remember from an insurance perspective.
Contact your insurance advisor before you reopen: You may have reduced cover on your property or liability cover over the closure period and it is important to update this prior to opening your doors. Remember you may have staff on site in advance of reopening so it is vital that your policy covers them.
Review your Health and Safety Statement. This should be a living document and be available to review as needs be. Your COVID-19 safety measures should be included and all employees should sign that they have read and understand the statement.
Obtain Return to Work forms: Before any of the team return to work they will need to complete a return to work form and partake in any necessary training. These documents can be found at www.hse.ie.
Outdoor seating: If you are planning outdoor seating on public owned areas you will need to obtain a permit from Kerry County Council and your insurance policy will need to issue a specific indemnity to the Council. The Council will also require a minimum limit of indemnity of €6.5 million, which is standard practice for all State bodies. If this is your first time undertaking outdoor hospitality then you should include this in your Health and Safety Statement and do a full risk assessment.
Water systems: Put in place control measures to avoid the potential for legionnaire’s disease before your premises reopens.
Inspect plant and equipment: This includes lifts, ventilation and kitchen duct systems and generators. Ensure that your inspection certificates are up to date for any lifting plant including passenger and goods lifts.
Identify and display appropriate warning and safety signage for your premises.
Cleaning: Arrange the appropriate cleaning of your buildings and contents. External cleaning contractors should provide you with a method statement, proof of insurance and when finished written confirmation that the cleaning has been completed to the agreed standard.
The above is not exhaustive but there is a wealth of information available on www.hse.ie and www.hsa.ie for reopening. Finally, the very best of luck to all the hospitality businesses getting back to what they do best. All we need now is that heatwave!
Cost of agricultural land set to increase by 8% this year
By Ted Healy of DNG TED HEALY The results of a survey on agricultural land values conducted by the Society of Chartered Surveyors Ireland (SCSI) was published earlier this week. […]
By Ted Healy of DNG TED HEALY
The results of a survey on agricultural land values conducted by the Society of Chartered Surveyors Ireland (SCSI) was published earlier this week.
It predicts an increase in land values by an average of 8% this year and an increase of 14% on average in rental values.
The report titled, ‘SCSI/Teagasc Agricultural Land Market Review & Outlook Report 2023’, analyses the agri sector performance over the past year and projects how it will perform over the next 12 months.
In all 134 agri professionals and valuers were surveyed, who expect the outlook for dairy farmers to ease and a challenging future for sheep and tillage farming.
Rental Land values in Munster increased by an average of 13% in the last year with a 9% increase experienced in Leinster.
The report indicates that the average non-residential farmland prices in 2022 ranged from €5,564 per acre for poor quality land – up five percent from €5,308 in 2021 – to €11,172 per acre for good quality land – up two percent from €10,962 the previous year. Strong demand from dairy farmers for good quality land is driving the market.
The majority of those surveyed believe there is likely to be an increase in demand from dairy farmers to purchase farmland in 2023.
One point to note however, is that changes to the European Nitrates Directive, particularly measures aimed at protecting water quality, may have an impact on land prices, especially rental prices.
In order to maintain current levels of milk production – and to comply with the directive – many dairy farms will need to either increase their land area or reduce milk production.
The Residential Zoned Land Tax (RZLT) is also coming down the line at an alarming rate, farmers have until May 1 to make a written appeal. Under the new legislation farmers owning currently zoned land face an annual tax bill of 3% of the market value of their zoned land.
This will result in countless numbers of landowners facing crippling tax bills from next year on. It is expected that this new tax may bring forward extra land sales later this year before the tax takes hold.
The IFA (Irish Farmers Association) have this week sought a senior counsel review of the legislation governing the Residential Zoned Land Tax.
What is a Fire Safety Certificate?
By John Healy of Healy Insurances A Fire Safety Certificate is an official document that verifies if a building design submitted as part of an application will, if constructed in […]
By John Healy of Healy Insurances
A Fire Safety Certificate is an official document that verifies if a building design submitted as part of an application will, if constructed in accordance with the plans and specifications approved by the Building Control Authority, comply with the requirements of the Building Regulations.
Fire Safety Certificates are issued by a Building Control Authority. The certificate confirms that the building has adequate escape facilities and that the building is designed in a way that prevents and limits the spread of fire. While all buildings must comply with the fire regulations, not all buildings will need a Fire Safety Certificate.
Which developments require a Fire Safety Certificate?
The Building Control Act (1990 & 2007) specifies the development types that require Fire Safety Certificates:
· Works in connection with the design and construction of a new building
· Works in connection with the material alteration of a day centre, a building containing a flat, a hotel, hostel or guest building, an institutional building, a place of assembly, a shopping centre
· Works in connection with the material alteration of a shop, office or industrial building where additional floor area is being provided within the existing building or where the building is being sub-divided into a number of units for separate occupancy
· Works in connection with the extension of a building by more than 25 square metres
· A building as regards which a material change of use takes place.
Some developments are exempted from requiring a Fire Certificate and can include:
· Certain single storey agricultural buildings
· A building used as a dwelling (other than a flat)
· A single storey domestic garage
· A single storey building ancillary to a dwelling which is used exclusively for recreational or storage purposes or the keeping of plants, birds or animals for domestic purposes and is not used for any trade or business or for human habitation
· Works in connection with a Garda station, a courthouse, a barracks and certain government buildings.
If a building is inspected by a member of the building control authority and it transpired that no Fire Safety Certificate is in place, the building could be subject to closure. For more information see www.kerrycoco.ie/home3/building-control/firesafetycerts.
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