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| Business Insurance - Commercial Insurance |
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| General Information |
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Martin & Garvan Insurances are providers of insurance and consultancy services to the commercial sector in the Irish Republic.
Many business owners don't realise that business insurance is a legal obligation - and many don't realise that commercial insurance policies are based on common packages unlike home insurance for example. Our panel of insurance specialists will determine your needs and create a customised policy for you.
Business insurance is one of those things that many companies view as a necessary pain - but think about all the potential disasters out there facing a business. You need to make sure your company is protected.
Our commercial insurance packages cater for: |
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 | SHOPS |
| | PROPERTY OWNERS |
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| | OFFICES |
| | GENERAL TRADES/BUSINESSES |
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| Types of insurance that your business most likely needs: |
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Public Liability - You have a responsibility to make sure that no member of the Public injures themselves on your premises Also – the food or goods that you supply. If a
customer falls ill or is injured then they will sue the shop owner.
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| Read More |
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Employers Liability - The shop/business owner has a responsibility to make sure that all staff are working in a safe environment and are not exposed to any dangers.
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| Read More |
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Material Damage - Loss of the building or premises you work from, loss or damage to your stock, computers, money. Fitting out, even rented premises can cost a considerable amount of money. It is possible (and not too expensive) to insure against the loss of all these things.
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| Read More |
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| Our tailor-made insurance packages ensure you get the cover you need for: |
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| Public Liability |
| | Employers Liability |
| | Contractors All Risks |
| | Commercial Vehicle and Fleet |
| | Property Damage |
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| | Business Interruption |
| | Goods in Transit |
| | Professional Indemnity |
| | Engineering, Plant and Machinery |
| | Computer Equipment |
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So you run a small coffee shop....What can possibly go wrong?
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| A customer (admittedly a bit worse for wear) walks straight through the glass door. He never saw it – Clear glass; The man thankfully was not badly injured in this case |
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| Customers chair collapsed:- Customer chipped a bone in their elbow and successfully claimed. |
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| Customer cut their tongue on a small piece of glass found to have been bought in from a food supplier to the shop |
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| Customers chair collapsed:- Customer chipped a bone in their elbow and successfully claimed. |
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| A disgruntled boyfriend of one of the shop staff drove his car through the front of the shop. Thankfully, no one was injured, but it could have been a major disaster |
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| Water leaked from the business overhead. Someone had left a tap on upstairs overnight and water overflowed into the premises downstairs. |
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| November storms. A client's premises were flooded when fallen leaves blocked the downpipe between their building and the building next door. Water flowed down the walls during heavy rain and destroyed all the electrics and machinery in the premises. |
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| | | Frequently asked questions | |
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| Contact us |
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