Hospitality

InsurePlus offer the broadest cover at the most competitive prices.

Our products are tailored to suit your needs whether you require a package policy for a boutique coffee shop to covering the largest hotel with cover for Infectious Diseases, Loss of Licence, Denial of Access etcd.

With our knowledge of the market and professional staff, who have a combined 40 years insurance experience, we provide competitive and quality cover, best advice and claims service for you.

Sectors Covered :


  • Restaurants
  • Coffee Shops / Snack Bars
  • Hotels
  • Public Houses
  • Nightclubs
  • Sandwich Bar
  • Take-Aways

Typically the business will require cover for the following:

Property
Including Buildings, Fixtures & Fittings, Contents, Stock, Computers and Tenants Improvements

Two points to note:
For Theft cover to apply there must be forcible and violent entry/exit to the property – if any item simply goes missing it is likely that it won’t be covered under your policy

It is advisable to separate the cover for your Computers and ensure that Laptops are covered outside the Office.

Business Interruption
Covering your loss of Profit and also may include the additional expenditure required to get you back to a trading position you had prior to a loss

Money
Insuring your cash, cheques etc. at the office or in transit to the Bank. The policy can extend to include Personal Accident Assault which covers injury to an employee in the course of a transit.

Employers Liability
As an Employer you may be held liable for an injury to an employee. Cover for this eventuality is usually included for a limit up to € 13,000,000

When Insurers are calculating the premium to be charged they apply a rate on employee’s wages. It is important to split your employee’s into categories if possible as the rates vary. For example the rate for a Clerical employee would be lower than for a Manual employee.

Public / Product Liability
Public Liability protects you in the event of a claim from a member of the public whether it is in injury, property damage and associated financial loss. Generally the limit covered is € 1,300,000 or € 2,600,000.

Products Liability protects you in the event of a claim from a member of the public arising out of the sale or supply of your goods.

Other covers which should be considered are:

Employment Practice Liability (EPL)
Covering issues like sexual harassment, bullying, discrimination or other similar employment related issues.

Fidelity Guarantee
Misappropriation of money or goods by dishonesty or fraud by an employee

Legal Expenses
Covers legal expenses in defending an action brought by a customer or employee

About Us
InsurePlus is a regulated and independent insurance broker providing honest insurance advice and quality products for our clients in the business sector. We have earned a first class reputation for our professional approach and excellence.

Our Staff, who have over 40 years combined insurance experience, are focussed on delivering insurance cover, for people in business, which is competitively priced supported by an unbeatable and friendly service.

What do we do for you?
First, we listen to what you need.
Then, we provide a comprehensive search of the insurance market to ensure you get quality cover at an affordable price.
Throughout the year, we support you with our knowledge, advice and day-to-day service.
Ultimately, if you have a claim we handle the paperwork and give you the best advice which is necessary to organise settlement.