News

  • What is Public and Employers Liability insurance?

    Public & Employers liability insurance provides cover for the costs and expenses of dealing with personal injury or third party property damage claims which arise out of the running of your business. (As with all insurance policies, cover is always subject to the policy terms & conditions – so please read your policy document) How does a liability claim work? – Example: Employee has a fall at work & sustains an ankle injury. The Employee initiates a personal injury claim against his Employer via a solicitor. The solicitor writes to the Employer alleging that the injuries were caused due to the…

  • General Building Contractor Liability Insurance & Demolition Cover

    Does a General Building Contractor liability insurance policy provide cover for demolition? Building Contractors are not always clear about what is covered under their liability insurance policy. A common query is the issue of demolition work. Is it covered or not? There are 2 key points to note here: 1. The business description on the policy is important. What does it say? Does it cover you as a ‘Building Contractor’ or a ‘Building Contractor & Demolition Contractor’? If you wish to do stand-alone demolition then the business description should include ‘Demolition Contractor’. 2. Read the policy terms & conditions –…

  • Does a General Building Contractor’s liability insurance policy cover roofing?

    It is obviously important to point out that every liability insurance policy is slightly different and there may be exclusions or restrictions on your liability insurance policy which restrict cover. Please contact your broker or insurer to discuss your specific requirements and cover. Most General Builder liability insurance policies provide cover for roofing works which form part of an overall contract for a new build or renovation. So if you are building a new house or an extension, the roofing work associated with that contract should normally be covered. The problem arises where builders decide to carry out Stand-Alone-Roofing contracts.…

  • Business Insurance | What is hazardous location exclusion on a liability insurance policy?

    Many small & medium sized contractors do not take the time to read their combined liability insurance policy and are not aware of some of the major exclusions which are incorporated into these policy documents as standard. One such exclusion is the hazardous locations exclusion. Here are 2 examples of how this exclusion may read as part of a combined public/products & employers liability policy: HAZARDOUS LOCATION EXCLUSION (example 1) This policy will not cover any claims arising from or out of or in connection with activities or work undertaken in or immediately adjacent to any of the following –…

  • Engineering inspection and insurance – an update

    The following blog discusses some of the changes brought about by the Safety Health & Welfare at Work (General Application) (Amendment) Regulations 2012 – Part 10 Pressure Systems. Further information is available from the Health & Safety Authority. From 1st January 2013, there have been significant changes to legislation relating to the use, examination and testing of pressure equipment & systems. Prior to 2013, the main systems that were required to be inspected were steam boilers, steam receivers & air receivers. Under the new regulations, any pressure vessel containing a relevant fluid will require regular examination by a competent person.…

  • Employers Liability – Manual Handling: Know Safety, No Injury…No Safety, Know Injury.

    Manual handling is said to be one of the primary causes of injury in the workplace. According to the Health and Safety Authority (HSA) almost 1/3 of accidents reported are in relation to manual handling. It is a major cause of Employers Liability insurance claims. Ken Coonan, Liability Underwriter at QBE Insurance recently wrote a very interesting article on Manual Handling which outlines some of the key aspects of a risk management strategy which, when implemented successfully, could potentially reduce employers liability insurance claims. Here are some of the key points: 1. Risk Assessment Manual handling should be avoided where…