Commercial insurance helps protect your business from risks you can’t afford to overlook. Every business is different, with its own challenges and exposures, which is why the right cover matters when operating in an uncertain environment.
Protect your business with confidence by speaking with Cheapest Insurance Ireland. Our experienced advisors compare options from leading insurers to help find competitive commercial insurance cover that matches your business size, industry and risk needs.
Covers your business if a third party is injured or their property is damaged due to your business activities, and you are found legally responsible.
Provides protection if a product you sell, supply, repair, or manufacture causes injury or property damage because of a defect.
Helps protect your business if an employee suffers an illness or injury related to their work and you are held responsible.
Specialist cover designed to protect commercial properties used for investment or rental income, helping safeguard against risks such as fire, flood, theft, and structural damage.
Supports your business if operations are disrupted by an insured event, helping to cover lost income and keep cash flow steady during recovery.
Helps protect your business from financial loss caused by theft, fraud, or dishonesty, whether involving employees or external parties.
Protects your business and employees when using company-owned or leased vehicles, helping keep your fleet running smoothly and in line with legal requirements.
Supports businesses and professionals who provide advice or services by offering protection against claims linked to mistakes, omissions, or negligence that cause financial loss to clients.
Helps protect your business financially if a key individual passes away or becomes seriously ill, supporting business stability and future continuity.
A sole trader is a self-employed individual who owns and runs their own business. Having the right business insurance can help protect you from the risks that come with working for yourself and give you confidence as you grow your business.
Hospitality insurance helps protect businesses like cafés, restaurants, hotels, and bars. It covers common risks and can be adjusted to suit your business.
Insurance for gyms, personal trainers, and fitness instructors helps protect your business if something unexpected happens that could lead to financial or legal issues.
Insurance for professional services is designed to suit the type of work you do. It brings together the cover your business needs based on the services you provide.
Shop or retail insurance is designed for businesses that sell goods to customers. It helps protect your shop and your business from common risks.
Catering insurance helps protect businesses that serve food and drinks. It can cover your business, staff, and equipment if something goes wrong.
Some types of business insurance are required by law in Ireland. For example, if you employ staff, you must have employer’s liability insurance. If your business uses vehicles, commercial motor insurance is also compulsory. Other covers, such as public liability or professional indemnity insurance, are not legally required, but they are widely used to help protect businesses from unexpected costs.
The cost of business insurance depends on several factors, including the type of business you run, the level of cover you choose, your turnover, and how many people you employ. Small businesses may pay a few hundred euros per year for basic cover, while larger businesses or those with higher risks may pay more. Comparing options can help you find cover that fits both your business needs and budget.
Yes, business insurance can be arranged even before your company is officially registered or has started trading. This can be helpful if you need cover in place before opening, signing contracts, or starting work.
For example, if your business makes a claim for €5,000 and your excess is €500, you would pay the first €500 and the insurer would cover the remaining €4,500.
In most cases, business insurance is not legally required for an online business. However, having the right cover can help protect you if something unexpected happens. For example, if you sell products online, product liability insurance can help protect your business if a product causes damage or injury and a claim is made against you.
Business landlord insurance can cover most properties that generate income. This includes rental homes, office buildings, warehouses, hotels, shops, and other hospitality properties. In some cases, vacant properties that are waiting to be sold can also be insured, depending on the policy.
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