News

  • Redundancy related insurance claims on the rise | Ireland

    Employment law is a complex area, especially for small businesses who do not have in-house human resources departments. Recent insurance industry reports suggest that failure by businesses to follow statutory procedures when making employees redundant, is resulting in significant claims from former employees. Employment law is a complex area, so it is advisable that small businesses seek some advice in this area to ensure that correct procedures are in place. If a business has a requirement to make part of its workforce redundant then it must adhere to strict legal procedures. If these procedures are not followed then the business…

  • Holiday Home Insurance | Ireland

    Martin Insurance provide tailored holiday home insurance packages for properties throughout Ireland & Europe. We have been arranging personal & business insurance since 1980 and access specialist Irish & European insurers to get you the best quote. Cover can include: -Public Liability -Fire -Smoke -Lightning -Explosion -Storm -Flood -Escape of water from tanks or pipes -Escape of oil -Collision by vehicle -Falling trees -Theft or attempted theft -Malicious damage -Subsidence -Accidental damage -Loss of rent or temporary accommodation costs -Fire brigade charges -Trace & access Warranties which may apply: Insurers accept that holiday homes are unoccupied for periods of time…

  • Insurance for unfair dismissals – Can SMEs afford to trade without it?

    There is a considerable increase recently in the number of news articles reporting court awards against employers who have dismissed employees unfairly. These awards typically run into tens of thousands of euro. Employment law is a complex area, especially for small businesses who do not have in-house human resources departments. It is advisable that businesses seek specialist advice in this area to ensure that correct procedures are in place, especially when dealing with complex matters such as dismissal of an employee. If correct procedures are not followed to the letter, then the business may find itself liable for compensation payments & legal fees. For example, there may be…

  • Claims made basis – Why it is so important to renew your professional indemnity insurance policy.

    Professional Indemnity Insurance (almost always) operates on a ‘claims made’ basis. This means that it is the policy in force at the time when a claim arises which responds to the claim – not the policy that was in place when the (alleged) error or omission giving rise to the claim occurred. So a policy in force today may be required to respond to a claim arising out of a mistake made many years ago, before the current policy even commenced. We are always happy to discuss your insurance query or to provide a free no obligation insurance quotation. Call us on…

  • Frost damage – some tips to help avoid the headache and expense of a home insurance claim this winter

    The current cold spell could result in frost penetration deep into the ground causing many householders to experience frozen water pipes and associated problems of burst pipes and water damage. It is important to protect your home particularly if you are going to be away or have a second home that may be vacant for a period during the cold snap. Aviva have recently released some helpful tips to prevent frost damage and we have outlined some of these tips as follows: – Wrap a towel around an outside tap. – Open the attic trap door to allow heat into…