This product is designed to cover a range of commercial and residential properties within Ireland, whether this is an individual asset, or part of a mixed property portfolio. The product offers Property Damage, Loss of Rent, Property Owners' Liability, and Employers' Liability as standard sections, with the option to include Legal Expenses.

This section covers material damage for both buildings and landlords' contents, caused by each of the perils as they appear in the policy wording. The standard perils operative are Fire, Lightning, Earthquake, Aircraft, Malicious Damage, Storm, Theft, Flood, Escape of Water, Sprinkler Leakage, Impact, Accidental Damage, and Subsidence.

Key Features

• 35% day one uplift with the ability to increase to a maximum limit of 50%
• Landlords' contents as standard
  

Extensions

• Contract Works
• Capital Additions
• Third Party Failure to Insure
• Fly Tipping
• Malicious Damage by Residential Tenants
• Archaeological Costs
• Subrogation Waiver

This section covers Loss of Rental income following damage to the buildings or landlords' contents caused by an insured event under the Property Damage section. It provides coverage for Loss of Rent, Cost of Re-letting, Business Rates, and Increased Cost of Working.

Key features:

• Alternative Residential Accommodation and Rent up to 33.3% limit
• 36 months Indemnity period

Extensions

• Anticipated Rent
• Loss of Attraction
• Denial of Access
• Compulsory Closure

This section protects you against legal liability to pay damages for accidental damage to property, accidental bodily injury to any person, wrongful arrest, detention, imprisonment, eviction of any person, malicious prosecution, invasion of privacy, accidental nuisance, trespass, obstruction, loss of amenities, or interference with any right of way, light, air, or water. These incidents must occur during the period of insurance in connection with the business within the territorial limits.

Features

• €6,500,000 limit as standard, with the ability to increase to €13,000,000

Extensions

• Indemnity to Principles
• Legionella cover

This section protects you against legal liability for bodily injury to your employees in the course of employment in connection with the business within the territorial limits.

Features

• €13,000,000 limit as standard

Extensions

• Court Attendance Costs
• Unsatisfied Court Judgements
• Work Overseas
• Cross Liabilities