At PJ Fitzgerald Insurance, we offer cover on over 100 Builders and Allied Trades and other Occupations! If your business involves more than one trade or occupation we can still help. Just select your principle occupation, from the drop-down list above, and add any other business you are involved in.
If you need Employer’s Liability cover, just advise the number of employees (including Working Directors if a Limited Company), involved in the business. We can quote for up to six employees automatically for most occupation. Although we don’t ask you for a declaration of wages, it is important to remember if the number your employees increases during the insured year, you must advise us, and pay the appropriate additional premium. If you have more than six employees just contact our office on 021-4772332
– we are sure to be able to help!
Where the Insured/Proposer is a Limited Company, and Section A (Employer’s Liability) of the Policy is Applicable, cover extends to include one Non-Manual Working Director performing clerical & administrative In office duties only, in addition to the number of employees disclosed above. All other Employees & Directors must be included within the declaration of employee (Manual or Non-Manual) at inception of Policy cover.
Our policy for Builders and Allied Trades provide an €13,000,000 Limit of Indemnity for Employees Liability Insurance, where required. You can select a limit of either €2,600,000 or €6,500,000 any one claim for Public/Products Liability Insurance. For most clients the lower limit, should suffice. However if you are involved in any Local Authority work or are contemplating tendering for such jobs, you will most likely be required to carry the higher limit. We are always glad to assist if you need any advice in this regard. Just call us on 021-4772332.
At the moment we only quote Tradesman’s Insurance for clients resident in the Republic of Ireland, hence the need to answer this question. Otherwise it has no bearing on your premium.