Commercial Combined

• Total sum insured up to €20M per location
• Liability cover available on a combined basis for risks in low and medium hazard liability occupations. Higher hazard hospitality, leisure and adventure liability is written on a standalone basis by our Liability team
• First Loss, Co-Insurance and Excess of Loss structures available
• Standard, non-standard and difficult to place risks considered

From €5,000 plus government levy.

Bars and hotels, guesthouses, holiday hostels, holiday villages and resorts, restaurants and cafes, sports and leisure centres, gyms, cinemas and theatres, exhibition venues, music venues, galleries and museums, amusement arcades and casinos, snooker halls and sporting clubs.

Meat processing, abattoirs, fish processing, vegetable processors, bakery, coffee importers and roasters, dairy production, egg production, drinks and beverages, breweries, distilleries, health food supplements, pet food.

Metal products manufacturing including steel, aluminium and light engineering risks, clothing and textile manufacturing, cardboard and packaging manufacturing, uPVC windows, doors and conservatories, electrical equipment, computer and hardware.

Clothing stores, convenience stores, petrol stations, shopping centres and supermarkets. 

Tyre wholesalers, woodworking risks including kitchen, wardrobe and furniture manufacture, industrial and commercial laundries, refugee and other emergency accommodation where the proposer is operating the business. 

Where the owner is not involved in any business operating from the premises: apartment blocks, office buildings, multi-occupancy units, shopping centre owners, property owners of warehouse or manufacturing premises, premises occupied as refugee or emergency accommodation, and unoccupied properties.

Food and beverage, clothing and footwear, toys, electrical goods, tiles, building products and bathroom suites, computers and electronics, furniture, carpets, paints, and haulage, storage and freight involving non-hazardous goods.