Public liability insurance

Is It Necessary to Get Liability Insurance in Ireland?

At we consider Liability Insurance an absolute must-have for safeguarding your business, particularly as our working environments require us to be increasingly compliant. If you choose not to invest in a liability insurance and a claim is made against you, you run the risk of losing your business and property. If you want to find out more about why you need a liability insurance and how to acquire it, then keep reading!

What is Public Liability Insurance?

When accidents happen that are connected to your business activities, your business could potentially be responsible for paying compensation in these circumstances. An example of such an incident would be a builder working on a building site when his tools fall and damage the client’s car. Without an insurance, the builder would be responsible for any damage to the customer’s car. Liability insurance protects you against claims made by members of the public for any accidents that occur in relation to your business activities. At we understand that accidents happen, and we want to help ensure you are protected from any risk associated with such accidents.

Public liability insurance

Who does Liability Insurance benefit?

At, we generally provide two different types of liability insurance, the first being Self Employed Liability Insurance and the second, Employers Liability Insurance. If you’re a tradesman who interacts with members of the public during work, then it is very important you protect yourself from risk with liability insurance. Opting away from liability insurance could potentially result in a massive financial hit for you in the unfortunate event an accident occurs, or worse still it could even result in losing your business or property if a claim is made against you following an accident.

Employers liability insurance

The second type of liability insurance, Employers Liability cover is necessary if you have even just one other employee working for your business, regardless of whether the employee works with you on a part-time or full-time basis. Employers’ liability insurance protects you if an accident occurs and you become legally liable to your employee for injury, disease, death. Essentially, employers’ liability insurance covers the cost of compensating employees who are injured or become sick through work. At we also offer public liability policies that enable you to take on temporary workers during periods of time that are busy.

Is Liability Cover expensive?

Historically, liability insurance has been known to be quite expensive. In the past, many tradesmen tried to cut corners to avoid paying for liability insurance, however this only results in severe financial exposure. Liability insurance is a safety net that eliminates the risk of being hit with a huge financial cost in the event of an incident at work. At we offer full liability cover from as little as €1 per day.

The risks of not having your business covered are much higher than the costs. According to the 2022 report on National Claims Information Database (NCID) from the Central Bank of Ireland, for Employers Liability the average compensation was €25,290 and the average legal costs at €2,859, while for Public Liability we had an average compensation of €16,973 and average legal costs of €2,767.

Public liability insurance cost

What does Public Liability Insurance cover?

Following an incident that happened during the period of insurance and is in connection with your business activities, liability insurance generally covers you if you become legally liable to a civilian for:

-Bodily Injury





-Damage to their property

Public liability policy essentially protects you against third party injury and property damage. Our Public Liability policies provide €2.6M of cover as standard practice. Some larger companies often require more cover. In that case, cover of up to €6.5 million is also available on standard policies at If you require cover that is even higher than that, our public liability experts can provide a quote upon request.

Why not get in contact with our Insurance Specialists who can provide you with a cheap liability insurance quote today? Call us on (01) 660 6900 today.