Public Liability Insurance covers your legal liability to pay damages to members of the public for death, bodily injury or damage to their property, which occurs as a result of business activities.

Public liability insurance should be taken out by any business, large or small that deals directly or indirectly with the public. The cover includes any legal fees and expenses which result from any claim by a third party.

At O’Sullivan Insurances we can provide several optional covers available to choose from, you can tailor the policy to best meet your business needs with optional extensions like car park liability, first aid treatment, liability arising out of use of lifts, escalators, etc.

Employers Liability Insurance

Employers Liability Insurance covers the common law duty of care that employers have for their employees to provide:

  • a safe place of work

  • safe systems of work

  • adequate training

  • supervision

At O’Sullivan Insurances our Employers Liability Policy covers your organisation for the cost of compensation and associated legal costs for which you are legally liable, for injuries sustained by your employees in the course of their employment in connection with your business activities.

Summary of Cover

  • Our standard policy provides indemnity in the amount of €13 million with higher limits available on request.

  • Indemnity is provided to any Director, Employee or senior official of the Insured in respect of any claim brought against them in a personal capacity and arising out of or in connection with the Insured’s business.

  • Cover includes private work carried out by an Employee for the Insured or for any Director, Employee or senior official of the Insured.

  • For the purposes of the policy cover, employees include full-time, part-time, temporary and seasonal employees including persons on work experience programs.

Product Liability

Product Liability Insurance covers your legal liability for claims arising out of defective products or design often referred to as product liability insurance.

Products Liability will indemnify the legal liability arising out of accidental injury or damage claims arising out of or in connection with any product (Subject to the policy terms & conditions).

Why not request a callback from one of our specialist business advisors for advice on a policy that will suit your specific business insurance needs.

O’Sullivan Insurances, 39 Mitchel Street, Clonmel, Co. Tipperary.