Corrigan Insurance Macroom Cork - providing employers liability Insurance in Ireland
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Employer's Liability Insurance

Employers Liability Insurance covers your business for its legal liability, if found negligent, against claims for bodily injury, illness, disease or death of an employee.

Cover can also be extended to include part-time workers and Labour-Only Sub-Contractors. Working directors can also be specified and covered as employees.

The cost of defending and settling a claim are covered within your limit of indemnity.

​​​A separate policy known as Employment Practices Liability Insurance covers legal defence costs and compensation awards for employment disputes, such as wrongful termination and discrimination. Raise this option with your insurance broker for more information.

Why wait? Talk to us today! Discuss your insurance needs with one of our experienced employer's liability insurance brokers.

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Public Liability Insurance

Public Liability Insurance covers you against third party claims for property damage, personal bodily injury or death, resulting from your business activities.

The cost of defending and settling a claim are covered within your limit of indemnity. Your business will be liable to pay any damage claim in excess of your chosen limit.

​​If you are a sole trader, you can become personally liable and your assets will be at risk if it is proven that you were negligent, and your policy limit is not sufficient to cover the resulting claim.

Cover under this policy can be tailored to reflect your individual business, including the ability to extend cover to include Bona-Fide Sub Contractors, and indemnify you against financial loss from successful claims of negligence that are taken against you by members of the public.

Corrigan Insurance Macroom Cork - providing public liability Insurance in Ireland

Why wait? Talk to us today! Discuss your insurance needs with one of our experienced public liability insurance brokers.

Corrigan Insurance Macroom Cork - providing product liability Insurance in Ireland
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Product Liability Insurance

Product Liability Insurance covers your business against third party claims for accidental property damage or personal injury, illness, disease or death arising from products negligently sold, supplied, designed, manufactured, installed or for services that your business has undertaken.

This section of cover can be extended to include Product Efficacy, which is insurance against defective goods or failure of the products and services to perform their intended function. The cost of recalling products can be added as an extension to cover.

Why wait? Talk to us today! Discuss your insurance needs with one of our experienced product liability insurance brokers.

Corrigan Insurance Macroom Cork - providing directors liability Insurance in Ireland
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Directors & Officers Liability Insurance

Directors and Officers Liability Insurance is designed to protect the director or former director where the company cannot provide indemnity out of its own funds e.g. due to insolvency, or where the company will not provide indemnity e.g. Articles of Association prohibit the indemnity.

D&O Insurance is concerned with purely financial losses – it is designed to protect the personal assets of company directors and officers in the event that they are sued while acting in their capacity as a director or officer.

Management liabilities is an extension of cover that can protects the company from legal liabilities arising from the actions taken by its employees, as well as its directors and officers.

Directors and Officers Liability Insurance protects the individual liabilities of management from the cost of defending or settling claims. Successful claims result from breaches of duty or trust (e.g. misuse of sensitive or confidential information), negligence (sub-standard conduct or due diligence), pollution, defamation, claims of health, safety and welfare at work.

Litigation is not the only risk for directors and officers. Many public agencies now enforce corporate responsibilities in Ireland. These include Office of the Director of Corporate Enforcement, the Competition and Consumer Protection Commission, Health and Safety Authority and the Environmental Protection Agency.

The Policy EXCLUDES:

  • claims for bodily injury or damage
  • prior and pending claims
  • actions arising from the dishonesty, fraud or malicious conduct of a director /officer
  • claims where the director has made an improper gain, profit or advantage, and
  • breaches of professional duty.​

Important policy features:

Severability clause: this protects innocent directors where another director has misled insurers or committed some other serious breach of the policy.

Dishonesty exclusion: this ensures that a director is entitled to payment of defence costs up to the point that he or she is found to have been dishonest by a court of law, or admits dishonesty.

Costs: payment of legal costs for advising and representing the director in investigations, trials and public inquiries is essential.

Choice of representatives: insureds need to be free to choose specialist legal advisors, subject to costs being fair and properly documented.

No delay: costs should be payable as incurred and without unnecessary delay. Delay in payment of defence costs can compromise effective legal representation.

Disputes clause: good policies provide fora speedy and fair means of dealing with disagreement between the insured and insurers.

Employment Practices Liability Insurance is offered as an extension to cover with some providers. This covers your legal defence costs and compensation awards for employment disputes, such as wrongful termination and discrimination.

Why wait? Talk to us today! Discuss your insurance needs with one of our experienced director and officers liability insurance brokers.

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Property Owner's Liability Insurance

As a Property Owners, you are responsible for ensuring that your premise does not endanger your tenants or members of the public. Setting the limit of indemnity for your property owners liability is extremely important as you will become personally liable for any claim in excess of your chosen limit.

A combined Property Owners Insurance policy will include multiple sections of cover and provide complete protection for your buildings, contents, loss of rent and your legal liability as a landlord or property owner. Loss of rent can be insured with an indemnity period of up to 24 months.

Any tenant with commercial operations at the insured address will be required to hold their own separate insurance. Equally, if you have contracted people to maintain your property, such as a cleaners or gardeners, you should ensure that they have their own liability cover in place before any work is carried out on your behalf.

Corrigan Insurance Macroom Cork - providing property owners Insurance in Ireland

Why wait? Talk to us today! Discuss your insurance needs with one of our experienced property owner's liability insurance brokers.

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