Public & Employers Liability Insurance in Ireland

Liability Insurance financially safeguards businesses should an employee or member of the public be involved in an incident that causes injury, death, illness and damage to any property or belongings.

Public liability is a type of insurance that provides cover for legal liability where a third party or a member of the public is injured, or their property is damaged. Public liability claims can arise from several circumstances, but negligence is the main trigger. For example, a customer might trip on an uneven surface at your premises, or a member of the public could injure themselves on a piece of your equipment. It may also cover claims for property damage arising from negligence.

Employers’ liability insurance covers a business where the business is legally liable for the costs of compensation and legal expenses, where an employee suffers an injury or a disease arising out of and during their employment. For example, suppose an employee is injured due to a faulty machine during work. The Employer may be held liable to compensate the Employee and avail of their Employers Liability Insurance.

Public Liability Insurance: Public liability insurance policies generally cover claims made against a business or a person by a third party for compensation for accidental loss, damage and injury, and related costs and expenses. It is typically taken out by businesses to cover the business where members of the public take proceedings and recover damages in consequence of accidents arising in the course of business. 

Employers’ Liability Insurance: In the Republic of Ireland, employers’ liability insurance is not compulsory. However, employers have a common law duty of care to their employees to provide a safe place of work, safe systems of work, adequate training, and supervision. Employers’ liability insurance will enable an employer to meet the costs of compensation for employees if they are injured or become ill as a result of and in the course of their employment.