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Employers and Public liability insurance query

  • 18-01-2016 9:22pm
    #1
    Large fun bags
    Registered Users Posts: 37 ✭


    First time getting this. I have a small landscaping business with one employee. Just wondering who does a good deal? And can you insure a truck under this insurance or is it still separate commercial insurance and if so would they do a deal if you got both public liability and commercial insurances with them?


Comments

  • #2
    peteb2
    Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    Go to any broker. You won't find an insurer directly who will do it . And no one will do the motor on the same policy. Fbd used to .

    No benefit to the two policies with one insurer. They view as two different profit centres and won't discount one for the other.


  • #3
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Arachas Insurance might be a good option for the liability

    http://www.arachas.ie/contractors/building.html


  • #4
    big syke
    Registered Users Posts: 906 ✭✭✭big syke


    peteb2 wrote: »
    You won't find an insurer directly who will do it.

    No benefit to the two policies with one insurer. They view as two different profit centres and won't discount one for the other.

    FBD will quote direct through one of their local branches. Aviva (online, local branches), AIG, Liberty etc have an online presence and will deal directly. The direct channels are generally more profitable for insurance companies.

    Some insurers may offer small discounts (10%) if you are a commercial client (have multiple policies i.e. a combined liability and motor policy)
    peteb2 wrote: »
    Fbd used to .

    FBD never did either. Motor policies are treated different due to EU directives.

    If it is a small business you own FBD and Aviva can be pretty competitive. I would advise to ring around brokers (Like Arachas above - there are dozens based all over the country) and also get quotes direct online.


  • #5
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    big syke wrote: »
    FBD never did either. Motor policies are treated different due to EU directives.
    .

    FBD did do it, in a fashion. If you did liability with them, they would do you a good deal on the motor and vice versa. At times, they wouldn't quote either policy in isolation


  • #6
    peteb2
    Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    big syke wrote:
    FBD will quote direct through one of their local branches. Aviva (online, local branches), AIG, Liberty etc have an online presence and will deal directly. The direct channels are generally more profitable for insurance companies.


    Be clear that you mean commercial motor. Don't quote my post that says no one does liability direct.


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  • #7
    big syke
    Registered Users Posts: 906 ✭✭✭big syke


    peteb2 wrote: »
    Be clear that you mean commercial motor. Don't quote my post that says no one does liability direct.

    I mean commercial motor and commercial combined (liability, property etc). Private policies are a whole different animal.

    I can't see your post that says no one does liability direct.

    FBD for example will deal direct with Private, Commercial and Agri customers. Both Motor and non motor (standalone or together)

    They will generally apply a discount on mutli policies (Private, Commercial and enhanced discounts/pricing for Agri customers).


  • #8
    Graham
    Moderators, Society & Culture Moderators Posts: 17,642 Mod ✭✭✭✭Graham


    I helped a friend (building contractor) find Employers/Public Liability insurance recently, got a good price online from https://cover365.ie.

    As others have mentioned, vehicle will need separate cover. www.insuremyvan.ie provided the best quote for a builders van when we looked last week.


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