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INSURANCE

Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.A person or entity who buys insurance is known as uninsured or policyholder.

 

TYPES OF INSURANCE

 

Home insurance

You are not obliged by law to insure your home but if you have a mortgage, most lenders will insist that your house is appropriately insured. In general, your insurance should cover contents as well as the structure of your home.

 

Mortgage protection insurance

When taking out a mortgage, you need to consider how it will be paid off in the event of your death and you will generally be required to take out mortgage protection insurance. You may also consider how to continue repayments if your income falls, due to illness, unemployment or other reasons.

 

Motor insurance

It is a criminal offence for drivers to drive uninsured on public roads in Ireland.

 

Life insurance

A life insurance policy provides money for dependents if you die. Life insurance policies are important if you have dependents (such as your spouse, partner or children).

 

Health insurance

Health insurance is used to pay for private care in hospital or from various health professionals in hospitals or in their practices. There are a number of health insurers in Ireland.

 

Travel insurance

Travel insurance can cover you if you become ill or have an accident while you are on holidays or travelling. If you are travelling within the EEA or Switzerland, you should have a European Health Insurance Card which allows you to access health care services. In general, travel insurance should supplement the services available to people with a European Health Insurance Card.

 

BUSINESS INSURANCE

The term “business insurance” pertains to protecting against operational losses by a business. What type of loss is covered by a business insurance policy depends on the insurance company, the policy wording, and local limitations.

 

Common Coverage Types

There are several types of business insurance, each limiting coverage stipulations and restrictions. The most common types are:
 

  1. Key Person Insurance: A business Key Person is considered so important to the company that loss the person could cause considerable damage to the company’s financial future. Benefits are paid if the Key Person covered experiences a disability that prevents working or if the Key Person dies. The remaining partners or owners can use the benefits only for legitimate business expenses, such as buying the disabled person’s stake in the business or hiring and training expenses for a replacement. Key Person Insurance is sometimes also called a Buy/Sell Agreement.
  2. General Liability Insurance: This coverage protects the business against liability claims, negligence, manufacturing or personnel error, bodily injury, or even property damage. Liability insurance often covers the policy holders’ legal fees if the liability or event is covered under the policy.
  3. Product Liability: Coverage protects against faulty products and damage, injury, or death from use of the faulty product.

 

TYPES OF INSURANCE WHICH PROTECT THE BUSINESS

 

Professional liability insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.

 

Property insurance

Whether a business owns or leases its space, property insurance is a must. This insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, mass-destruction events like floods and earthquakes are generally not covered under standard property insurance policies. If your area is prone to these issues, check with your insurer to price a separate policy.

 

Home-based businesses

Many professionals begin their small businesses in their own homes. Unfortunately, homeowner’s policies don’t cover home-based businesses in the way commercial property insurance does. If you’re operating your business out of your home, ask your insurer for additional insurance to cover your equipment and inventory in the event of a problem.

 

Product liability insurance.

If your business manufactures products for sale on the general market, product liability insurance is a must. Even a business that takes every measure possible to make sure its products are safe can find itself named in a lawsuit due to damages caused by one of its products. Product liability insurance works to protect a business in such a case, with coverage available to be tailored specifically to a specific type of product.

 

Workers’ compensation insurance.

Once the first employee has been hired, workers’ compensation insurance should be added to a business’s insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.

 

Vehicle insurance.

If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception to this is if they are delivering goods or services for a fee. This includes delivery personnel.

 

Business interruption insurance.

If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during these events.

 

 

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