Business Insurance

					As a major property investor we are ideally suited to understand your property insurance requirements. We provide a comprehensive tailor made package protecting your premises, machinery, contents and loss of profits. Additional cover can be provided for accidental loss or damage to money, glass, stock and personal belongings.

					

					Cover options include:
				

• Property Damage
  This provides cover for the client's material property as detailed in the policy schedule. The standard policy duration is twelve months. Quinn - direct Insurance Limited provides the policy. The client has the option to select one of the following levels of cover:

  • Basic Cover - Fire, lightning, explosion of domestic boilers or gas.
  • Special Perils - Basic cover plus explosion of commercial boilers, aircraft, riot & civil commotion, malicious persons, earthquake subterranean fire, storm & tempest, impact, flood, and bursting or overflowing of water pipes and tanks.
  • Accidental Damage - Special Perils plus cover for loss, damage or destruction as a consequence of accidental damage.

  The policy can be optionally extended (at either level) to provide cover for any of the following: Sprinkler leakage, loss of rent, glass, money, burglary, subsidence, and deterioration of freezer stock.
• Business Interruption
  The purpose of the cover is to compensate the insured for any loss of Gross Profit following an interruption to the business as a consequence of insured property damage. The standard policy duration is twelve months however longer term policies can be provided.
• Public/Product Liability
  The policy provides public and products liability cover. The standard duration of this policy is twelve months. Cover is provided to protect the insured against legal liability to pay compensation, claimants' costs and expenses in respect of accidental:

  • Bodily injury to any person (except as provided through an employers' liability policy);
  • Loss or damage to material property occurring in connection with the business
• Employers Liability
  The policy provides employers liability to protect the insured against legal liability to pay compensation, claimants' costs and expenses in respect of bodily injury sustained by employees arising out of, and in the course of the employment. The standard duration of the policy is twelve months.