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• Injury or Illness claims from Third Parties
• Costs of defending a Third Party claim
• Legal costs and resultant financial loss

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• Property Damage claims from Third Parties
• Compensation awards made to Third Parties

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• Even if you don’t have visitors to your property, office or home, you could still suffer a property owners liability claim against you or your business; for example, if you accidentally damage a client’s property in their office, at their commercial premises or on site (Third Party Property Damage)
• Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of an individual or business experiencing a property owners liability claim
• Anyone working for you could trigger a public liability claim against you or your business if their actions injure a tenant, a client or member of the public or damage their property
• Financial Institutions will often insist that their client maintain public / property owners liability insurance on their property(ies) and in fact it is a requirement of the Residential Tenancies Act, 2004 that this cover be maintained in residential units let to tenants

• Covers you when you have to pay compensation to a tenant, client, contractor, local authority or member of the public who is injured or incurs property damage and you or your business is at fault
• Pays out legal fees spent in defending a claim and any resultant financial loss

[one_half]

• Employers’ Liability
• Products Liability
• Cyber Liability
• Personal Accident

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• Professional Indemnity
• Office Insurance
• Directors & Officers Liability
• Motor Insurance

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