Author Archives: Stephen

Public Liability Insurance: What is it, and do I need it?

Note that this article is for information only. Paddy Compare does not provide any legal advice relating to the purchase of any insurance product and you should speak to qualified persons before deciding on a policy for your needs.

Although public liability insurance isn’t usually a legal requirement, the nature of many businesses will bring their staff into contact with other people (the general public). Therefore, in law, a ‘duty of care’ is owed to these people. This should ensure that they, and their property, do not come to any harm as a result of your negligence.

However accidents do happen, and negligence by the business may result in damage or injury, and liability for any quantifiable loss. The cost of a claim for negligence can be substantial – thousands or millions of euros, but generally public liability insurance is available at a relatively small cost, to insure you against the risk of claims.

With the increasing number of ‘no win no fee’ lawyers, the numbers and values of claims are increasing, and some businesses don’t realise the requirement, or the importance of being covered. Some clients will insist on certain levels of cover, for example if you are cleaning for a local authority, or working in a government office, hospital or airport.

A business is not liable for every accident or damage that takes place within its property or whilst carrying out its day-to-day business. The claimant will have to prove that:

  • They were owed a duty of care by you
  • You failed to exercise that duty of care
  • They suffered a quantifiable loss as a result
  • The loss was a foreseeable result of the breach

There are hazards everywhere, but by reducing the consequence and the likelihood of these hazards occurring, you are reducing the risk, and hence contributing towards exercising your ‘duty of care’. In typical scenarios this may be by:

  • Displaying warning signs to warn of slippery surfaces or other hazard
  • Adequate training of staff
  • Security measures like CCTV, safes, locks, smoke detectors
  • Safe systems of work such as hoardings, scaffolding and welfare
  • Maintaining and regularly servicing equipment
  • Recording and communicating clearly

Public Liability cover is very specific, and it is important to be open with your insurance provider so as to purchase the correct policy. In order to limit the risk, insurance companies may place limitations on the activities you carry out, or the places in which you work, and you should carefully consider these before purchasing the policy. Your policy will probably be subject to an excess, so check that this is affordable before accepting the terms. You may need 3rd party cover, for example a photographer may need cover for damage caused to property whilst working away from their office.

Paddy Compare works with a number of public liability insurance brokers who can offer liability insurance for your specific needs. As well as our generic PL insurance form for fitness instructors, artists, car valeters, gardeners, window cleaners, painters, and arts and crafts, Paddy Compare also has specific links with insurers that provide insurance for shops, offices, pubs, tradesmen and salon owners. Whatever your insurance requirement, let Paddy Compare help you get in touch with someone who understands your insurance needs.

Where will your caravan, campervan or motorhome take you this year? Compare Insurance today!

As the evenings begin to stretch and the afternoons warm, many of you may be beginning to plan your summer excursions for 2014. Thousands of Irish will take the opportunity to travel around Ireland, the UK or France this year, and what better way to do it than in your own caravan, VW camper or motor home.

June, July and August will be the most popular months for such excursions, with Dublin, Galway and Cork being some of the most popular destinations. Insurance doesn’t just provide peace of mind; it is a legal requirement for many vehicles and many people leave it until the last minute to organise.

Paddy Compare work with a number of specialist insurance brokers that provide cover for all types of caravans, motorhomes and campervans. Try Paddy Compare today to compare the best insurance prices, but most of all, enjoy your summer trip!

Compare Farm Insurance with Paddy Compare!

Paddy Compare is pleased to announce the launch of its Farm Insurance comparison service. According to teagasc, ‘The Department of Agriculture, Food and the Marine (DAFM) currently reports the agri-food sector in Ireland contributes a value of €24 billion to the national economy. It generates 6.3% of gross value added, almost 10% of Ireland’s exports and provides 7.7% of national employment.

There are over 100,000 farms, based in Dublin, Cork, Galway, Limerick, Cavan and across Ireland (Central Statistics Office) and most of these farmers will have insurance to cover their vehicles, animals, staff, buildings and the farmhouse itself. Farm insurance can be a costly expense, and many farmers don’t even compare different companies when it comes to renewal.

Try Paddy Compare today to get farm insurance at a competitive price, ensuring cover for dairy, beef or arable crop farms. Use our comparison service to see how much you could save!

Support urged for your local during dry January – Pub Insurance

Your local pub may have had a thriving Christmas, but will be probably bearing the brunt of the New Years Resolutions with many opting for a ‘dry’ January, cutting down the calories, saving for a new car or spending more time in the gym.

Irish pubs have been pinched by the crisis for a few years now and January is often a difficult month for landlords as they make plans for the year ahead. Some owners of rural pubs have had to resort to offering free taxi lifts home from their establishment, in order to encourage custom.

Paddy Compare can help with pub insurance by allowing you to compare business insurance from a number of companies across Ireland. Visit our pub insurance page to help save your time and money today, and help make 2014 a successful year.

 

Travel disruption for taxi drivers in Dublin – Compare Taxi Insurance

Today’s 34th Dublin Marathon attracted over 14,000 runners today, who took to the city’s streets in aid of various causes, with plenty of determination and some competitive spirit. Clare man and primary school teacher Sean Hehir won the 26.2 mile race with a time of 2 hours, 18 minutes and 19 seconds. Maria McCambridge, originally from Donegal, was the fastest woman, crossing the finish line after 2 hours, 38 minutes and 51 seconds.

Taxi drivers will have been avoiding Dublin city centre, with road closures in Merrion Square, Fitzwilliam Street, Baggott Street, Dawson Street and College Street, amongst others along the route, and drivers will have had to be somewhat more inventive than usual with their route planning. Whilst planning routes is a day-to-day occurrence, buying taxi insurance comes around much less frequently, and many drivers may be overpaying. Try Paddy Compare today to compare taxi insurance in Dublin, and across Ireland. Our one page forms and specialist insurers will ensure cheap taxi insurance quotes, so compare taxi insurance today!

Tax break to boost construction jobs – compare tradesman insurance

Despite the spending cuts and tax increases we reported earlier in the week, this week’s budget had some positive news for unemployed tradesmen who are considering setting up their own business.

A tax break has been announced to incentivise a boost to the stagnant construction industry in Ireland. The ‘Start Your Own Business Scheme’ announced will provide a two-year exemption on income tax for people who have been unemployed for 15 months or more and start-up a new unincorporated business. This is in addition to the Home Renovation Initiative (HRI) which will provide an income tax credit of 13.5% for homeowners on home improvement expenditure of between €5,000 and €35,000.

If you are considering setting up your own business providing tradesman services to home owners in Ireland, then Paddy Compare can help you save money on your tradesman insurance. This includes public liability, tool cover and vehicle cover. If you have a van, then separate van insurance can be compared with this simple form. Don’t let insurance hold back your business startup – compare tradesman insurance with Paddy Compare today!

Compare shop insurance now with Paddy Compare!

Paddy Compare are pleased to announce the availability of a shop insurance comparison service, available now at www.paddycompare.ie/shop-insurance.

If you are a shop owner in Dublin, Cork, Galway, or anywhere in the country, Paddy Compare can help you shop for cheap shop insurance in Ireland. Shop insurance is extremely important as owners are likely in regular contact with customers and the public. So whether you own an antique dealer shop, book shop, bakery, chemist, newsagent, toy shop or wedding shop, from A to Z, Paddy Compare has got you covered for shop insurance.

So complete Paddy Compare’s simple form today, receive quotes from specialist brokers across Ireland, and see how much you could save!

Irish weather takes bikers to the roads – Motorbike Insurance

All Irish people and their visiting tourists have been stunned by the heatwave which has graced the country in the last fortnight. Dublin and other major cities have regularly experienced temperatures in the mid-twenties, and the good weather is set to continue despite the occasional rain shower this weekend.

The good weather is an excellent opportunity to take your motorbike out of the garage, and enjoy some of the scenic coastline and country roads on offer. Whilst keeping to sensible speeds and being mindful of other motorists, motorcyclists also have to consider their bike insurance, and Paddy Compare is here to help.

Paddy Compare lets you compare motorbike insurance from insurers across Ireland; in Dublin, Cork, Galway and Donegal. Try our simple form today to see how much you could save!

Watch the cents, and the Euros will look after themselves!

Or will they?

The Irish government is to decide in 2014 whether or not to remove 1c and 2c coins from circulation.

During times of inflation, the value of all coins decreases with time, and so a trial is being carried out in Wexford to check if there really is a need for the small coppers. Under the trial, prices can be rounded up or down, but this will only apply to packages of goods, and not single items.

Paddy Compare can help you save more than a few coppers on your car insurance though. Our panel of specialist brokers will provide you with a great quote for your motor insurance needs, with just a single form. Get a quote today to see how much you could save.

Car insurance premiums to rise with court changes

Court changes are set to hike the costs of motor insurance, an expert warns. Dorothea Dowling (Injuries Board chairperson) says that legal costs will jump up as a result of the Courts Bill 2013.

The law will increase the limits for the size of awards which can be awarded in the district, circuit and high courts. This is expected to result in busier courts, huge delays and greater costs for companies – resulting in increased premiums for customers.

Increases such as these are usually out of the hands of consumers, but Paddy Compare offers a comparison service for you to find the best prices on cheap car insurance Ireland. Therefore you can be sure of finding a great deal from motor insurance specialists in Dublin, Cork, Galway and across Ireland. Try Paddy Compare today!