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Public Liability vs Product Liability

Public liability covers injury or damage your business causes to third parties, while product liability covers injury or damage caused by a product your business made or supplied.

Business Interruption Cover

This cover can replace lost income and pay for extra expenses if an insured event like a fire or flood disrupts your business operations. It can help your business survive until it’s back to normal operations.

The Importance of Risk Management

Proactive risk management can not only help prevent losses but also reduce your insurance premiums. Measures could include installing security systems, implementing health and safety policies, and regularly maintaining equipment.

Material Damage Coverage

Material damage insurance covers damage to your business premises and contents due to events like fire, flood, theft, and vandalism. It’s generally part of a packaged business insurance policy.

Business Legal Protection

This cover provides legal advice and covers legal costs for disputes related to your business, such as employment disputes, tax investigations, and contractual disputes with customers or suppliers.

Professional Indemnity Insurance

This insurance is relevant for businesses that give advice or provide a professional service to clients. It can cover compensation claims if a client suffers a loss due to your advice or service.

Environmental Liability Coverage

This covers costs related to environmental damage your business might cause, including cleanup costs and damage to natural resources. It’s particularly relevant for businesses in industries like manufacturing, construction, and waste disposal.

Bonus Offers

Up to 50% off fees

CAR + HOME

This combination is suitable for homeowners who want to protect both their car and their house. It provides coverage for potential damage to your vehicle as well as protection for your home against various risks

Up to 50% off fees

CAR + RENTERS

This combination is a good choice for renters who wish to insure their car along with their rented living space. It covers your vehicle and offers insurance for your rented property, ensuring you’re protected against unforeseen incidents.

Up to 50% off fees

CAR + TRAVEL

Ideal for those who frequently travel, this combination covers your vehicle and offers travel insurance benefits. Whether you’re on a road trip or flying abroad, you’ll have protection for your car and yourself during your journeys.

The 5 Star Insurance Broker!

Breeze has earned a 5 star Google rating, as voted by
our fantastic, happy customers.

Here’s why our customers love us

And it’s not just because we take the hassle out of comparing insurers

Feel supported through your claim

We represent our customers at the heart of everything we do. That means, we'll be there every step of the way to ensure you receive the best possible claims support.

Save with more affordable cover

We take the leg work out of insurance by comparing our panel of insurance underwriters for the best deal, so you don't have to.

Get lightning speed support

Our Live Chat team aim to reply to queries in minutes, and we pride ourselves on delivering at speed, so you can get insured as fast as possible.

Edit your policy in seconds

Edit and update your policy in seconds by contacting us at our dedicated customer service phone or chat lines.

Build your own cover

We’ve got a range of add-on features, so you can build your policy to suit you.

Get a quote in minutes

It takes around 5 minutes to get a quote. Easy!

Here when you need us

Our Customer Success team are always on hand to chat if you ever have any questions. Feel free to pop a message through the link below, or give us a call anytime during our opening hours. We love to help!

Monday - Friday

9 AM - 5:30 PM

Saturday - Sunday

Closed

Bank Holidays

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Everything you need to know about Breeze business insurance

Q1: What types of cover are included in business insurance?
Business insurance can include a range of different cover types depending on your specific needs. In Ireland, these can include public liability insurance (covering injury or damage claims from members of the public), product liability insurance (covering injury or damage claims relating to your products), professional indemnity insurance (covering claims arising from professional mistakes or negligence), and employers’ liability insurance (a legal requirement if you have employees, covering claims from staff for injury or illness as a result of their work).
Q2: Do I need business insurance if I work from home?
Yes, if you operate a business from your home in Ireland, you should consider business insurance. Your home insurance may not cover business activities or equipment. Business insurance can cover business assets, liability risks, and potentially provide cover if you can’t trade for a period (business interruption cover).
Q3: What is business interruption insurance?
Business interruption insurance covers the loss of income that a business suffers after a disaster or significant disruption, such as a fire or major flood. In Ireland, this cover typically compensates for the income you would have made based on previous financial records and covers operating expenses like rent and employee wages.
Q4: Does my business insurance cover me for legal costs?
Most business insurance policies in Ireland can include legal expense cover, which can help pay for legal costs if your business is involved in a legal dispute. However, the circumstances in which legal costs are covered can vary, so it’s important to check the specifics of your policy.
Q5: What is public liability insurance?
Public liability insurance is a crucial component of business insurance in Ireland. It provides cover if a member of the public is injured or their property is damaged due to your business activities, and they make a claim against you. This can be particularly important for businesses that interact closely with customers or the public.
Q6: Is business insurance mandatory?
While not all types of business insurance are legally required in Ireland, certain types are. For instance, if you employ anyone, you are legally obliged to have employers’ liability insurance. Also, some professions or contracts may require you to have professional indemnity insurance. Even when it’s not mandatory, business insurance is highly recommended to protect your business against unexpected costs.