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Where to get cheap Biz Insurance?

  • 08-05-2009 01:50PM
    #1
    CaraFawn
    Closed Accounts Posts: 314 ✭✭


    Hi,

    I need the following
    Public Liability, Employers Liability and Professional Indemnity should be verified to the limit of 1 million minimum.

    Anyone has any cheap insurance     company to recommend, called AXA but they don't cover Indemnity.
    My biz has no employee (Just x2 directors), no equipment, no office, only IT consultancy from home and customer's site.

    Cheers in advance


Comments

  • #2
    VO
    Closed Accounts Posts: 112 ✭✭VO


    A broker will probably get you the best deal.I use www.kindlon.ie and get great serivce and prices


  • #3
    Dutchie
    Registered Users, Registered Users 2 Posts: 366 ✭✭Dutchie


    Cara,
    My insurance premium was reduced by over 12k this year. FBD were the most competitive.


  • #4
    patftrears
    Closed Accounts Posts: 174 ✭✭patftrears


    CaraFawn wrote: »
    Hi,

    I need the following
    Public Liability, Employers Liability and Professional Indemnity should be verified to the limit of 1 million minimum.

    Anyone has any cheap insurance     company to recommend, called AXA but they don't cover Indemnity.
    My biz has no employee (Just x2 directors), no equipment, no office, only IT consultancy from home and customer's site.

    Cheers in advance
    Employers Liability - Why ? you have no employees
    Public Liability - Why ? you have no office, contact with public

    http://www.software.ie/Sectors/ISA/ISADoclib3.nsf/wfICCC?OpenForm&RestrictToCategory=Discount+Scheme

    top link


  • #5
    itsonlyme
    Closed Accounts Posts: 90 ✭✭itsonlyme


    OP I would suggest you cut out the middle man (the broker) and go direct to the companies

    EAGLE STAR....


    ALLIANZ.....


    Both companies have very great rates for small business


  • #6
    CaraFawn
    Closed Accounts Posts: 314 ✭✭CaraFawn


    Dutchie wrote: »
    Cara,
    My insurance premium was reduced by over 12k this year. FBD were the most competitive.

    12K?? Mother ...lol


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  • #7
    CaraFawn
    Closed Accounts Posts: 314 ✭✭CaraFawn


    patftrears wrote: »
    Employers Liability - Why ? you have no employees
    Public Liability - Why ? you have no office, contact with public

    http://www.software.ie/Sectors/ISA/ISADoclib3.nsf/wfICCC?OpenForm&RestrictToCategory=Discount+Scheme

    top link

    Ah yeah ok thanks for the input mate


  • #8
    CaraFawn
    Closed Accounts Posts: 314 ✭✭CaraFawn


    Anyone has an idea roughly how much it would cost for Professional indemnity then for a "freelance" working in IT like me? I do consulting around Microsoft technologies.


  • #9
    CaraFawn
    Closed Accounts Posts: 314 ✭✭CaraFawn


    Well I just went onoine and managed to get a quote for this only
    professionalindemnity.org

    About 450 euro for the year for a 1.3 Million insurance/Professional indemnity.

    That's alright I suppose.

    Sound alright to you guys?


  • #10
    lecheile
    Registered Users, Registered Users 2 Posts: 703 ✭✭✭lecheile


    CaraFawn wrote: »
    Well I just went onoine and managed to get a quote for this only
    professionalindemnity.org

    About 450 euro for the year for a 1.3 Million insurance/Professional indemnity.

    That's alright I suppose.

    Sound alright to you guys?

    That sounds really cheap - I'd expect something in the region of 10 times that, based on what I have paid for similar cover.

    Are you sure you need PI? Not sure what you could do or advise companies to do that could lead to them making a claim against a PI policy? Isn't that what testing is for :)


  • #11
    nicola31
    Closed Accounts Posts: 9 ✭nicola31


    Hi,

    A friend of mine is starting a business hiring out bouncy castles etc. for chidrens' parties. The public liability insurance quotes are through the roof.

    Can anyone recommend a good broker for this sort of insurance.

    Thanks.


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  • #12
    MB74
    Closed Accounts Posts: 390 ✭✭MB74


    CaraFawn wrote: »
    Well I just went onoine and managed to get a quote for this only
    professionalindemnity.org

    About 450 euro for the year for a 1.3 Million insurance/Professional indemnity.

    That's alright I suppose.

    Sound alright to you guys?

    From someone in the industry that quote sounds good. Wouldn't expect you would beat it by much if at all.


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