We provide Liability solutions for hospitality, leisure, entertainment and retail businesses, including hotels and accommodation providers, bars, restaurants, gyms, leisure and sports facilities, adventure operators, venues, cinemas, tourist attractions, adult gaming operators and retailers.
Specialist Liability solutions for hospitality, leisure, entertainment and retail businesses in Ireland.
Liability insurance covers businesses against claims arising from their legal responsibilities to employees, members of the public and in relation to the products they supply.
For hospitality, leisure and entertainment businesses, liability exposures are often shaped by footfall, alcohol sales, physical activities and the environments they operate in. These are specialist risks that benefit from specialist underwriting expertise.
Based in Dublin, our underwriters work closely with brokers to provide Liability solutions for the hospitality, leisure, entertainment and retail sectors across Ireland.
Our appetite
Target sectors
- Adult adventure operators, including ice rinks, adventure races and climbing wall centres
- Adult gaming
- Bars, including late bars in both rural and urban locations
- Cinemas & Theatres
- Gyms
- Hotels and accommodation risks, including refugees, International Protection Accommodation Services (IPAS) and Beneficiaries of Temporary Protection (BOTP) accommodation
- Leisure and sports facilities
- Restaurants
- Shops, petrol stations and other retail businesses
- Tourist and visitor attractions
- Venues, including wedding venues
Limits of indemnity
- Employers' Liability: up to €13M any one claim
- Public Liability: up to €6.5M any one claim (MX can provide higher limits up to €13M where required)
- Products Liability: up to €6.5M any one claim and in the aggregate
Minimum premium
From €5,000 plus government levy.
Why MX Underwriting Europe?
Specialist expertise for sector-specific risks.
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Specialist underwriting expertise
With in-house decision-makers, we can develop tailored solutions to meet the specific needs of each risk.
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Clear limits of indemnity upfront
Published limits of indemnity provide clarity before submission.
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Risk-specific pricing
Pricing is assessed on its own merits, drawing on our underwriting expertise and sector experience.
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A collaborative claims approach
Where insurer claims conditions allow; clients can contribute to settlement discussions and remain informed throughout the claim’s strategy process.
Who we work with
We support Irish brokers placing Liability risks for:
FAQS
We offer:
- Employers' Liability up to €13M any one claim
- Public Liability up to €6.5M any one claim, with higher limits up to €13M available where required.
- Products Liability up to €6.5M any one claim and in the aggregate
An aggregate limit is the maximum amount the policy will pay for all Products Liability claims during the policy period, rather than applying the full limit to each individual claim.
From €5,000 plus government levy.
Yes. Hotels and accommodation risks, including refugee, IPAS and BOTP accommodation, fall within appetite, subject to underwriting.
Yes. Adult adventure risks, including ice rinks, adventure races and climbing wall centres, are within appetite, subject to underwriting criteria.
Contact us
*Rating information correct as of June 2026. Source: AM Best, S&P Global Ratings and Fitch Ratings.
Underwriting criteria, terms and conditions apply. As an MGA, we provide services and enter into insurance contracts on behalf of regulated Insurers. We are not the Insurer. The identity of the Insurer(s) on behalf of which we act and who will receive the premium and settle claims arising on your policy is detailed on all quotation and confirmation of cover documentation, including the insurance policy. All products are subject to any applicable government levy compensation fund charge or contribution to the Motor Insurers Insolvency Compensation Fund as set out in the policy schedule.
