Public Liability Insurance Ireland

Protect your business when engaging with the public.

Accidents happen, and public liability insurance is there to protect you if a member of the public suffers a loss or injury as a result of dealing with you or your company.

Establised in 1993.

Over 100 years' experience.

10 dedicated team members.

Thousands of Irish customers served.

Public Liability Insurance Ireland

Public liability insurance covers you and your business against legal fees and compensation payments that may arise in the event that a client or member of the public were to make a claim against your business.

Whether you own a shop, offices, trades business or manufacturing company, if you interact in any way with the public, you will need a suitable public liability policy to protect your business in the event of a claim of negligence, injury or death.

Our team can provide public liability insurance for all businesses and are on hand to find the most competitive quotes for cover that is tailored to your specific needs.

Simply fill out our contact form, email us at or call us now on  01 845 4361 to find out more.

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    Public Liability Insurance Ireland

    So, what does public liability insurance cover?

    Public liability is designed to cover compensation and legal costs in the event that customers or members of the public claim they have experienced personal injury or damage to their property because of your work.


    Injury to third party on business premises caused by negligence (e.g. spilled water not tidied up).

    Faulty Products

    Damage or injury caused by faulty product products (e.g. a product that catches fire and causes damage).

    Property Damage

    Damage to property caused during normal course of business (e.g. a builder drills a hole through pipe).

    Even when you do everything right, accidents happen. Whether you’re a freelance individual or a small business or large business, you could face compensation claims and related legal fees but, with the right cover, you can rest assured that your venture is protected.

    Public Liability Insurance - ERM Financial Services

    Why choose ERM Financial Services for Your Public Liability insurance?

    Service, expertise, advice and competitive quotes that you can rely on, since 1993.

    • Cover For All Businesses & Ventures
    • Tailored Insurance Products
    • Competitively Priced
    • Dedicated Account Manager
    • Over 100 Years Experience

    Who needs public liability insurance?

    Although having public liability insurance isn’t a legal requirement, it’s an important consideration for every business. As a general rule, the more contact your business has with members of the public, the more chance there is for a claim to be made against you.

    Off-Site Workers

    If your employees regularly work off-site, public liability insurance can protect you from associated risks. For instance, you could be cleaning an office and use the wrong chemicals, damaging antique furniture, or you could accidentally spill a drink over a computer during a visit to a client’s office.

    On-Premise Visits

    If customers visit your premises, for whatever reason, you could face a claim of slips/trips within your premises. Even someone passing by could claim they were injured by a protruding sign or an item falling out a window.

    Contract Requirements

    Sometimes, the clients you work with will ask for your business to hold a public liability insurance policy as a requirement within their contracts.

    Retail Environments

    The circumstances covered by public liability can also centre around an injury. In retail environments, for example, the potential risks can include customers slipping on wet flooring or even the collapse of a shelving unit causing injury.


    Product liability insurance is part of a public liability policy, giving you an extra layer of protection if a product you design, manufacture, or sell is subject to an insurance claim.

    Businesses Of All Sizes

    This type of cover protects professionals, sole traders and small and large businesses alike.

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      Speak to an experienced insurance broker today about safeguarding your business.