Commercial Combined Insurance

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Dooley Insurances Ltd t/a Dooley Insurance & Mortgage Brokers and The Dooley Insurance Group is regulated by the Central Bank of Ireland.

Running a business involves managing many different risks — from property damage and liability claims to theft, equipment failure, and business interruption. Commercial Combined Insurance brings together multiple essential covers into a single, flexible policy designed to protect Irish businesses from a wide range of potential threats. By combining key protections under one policy, businesses benefit from streamlined cover, simplified administration, and peace of mind.

Why Businesses Need Broad Protection

Regardless of industry, most businesses share similar exposures. Unexpected events can disrupt operations and lead to significant financial loss. Common risks facing Irish businesses include:

Fire, flood, or storm damage to premises
Theft or damage to equipment and stock
Accidents involving customers or third parties
Workplace injuries involving employees
Operational disruption following a major incident

Without appropriate insurance, these events can place serious financial pressure on even well-established businesses. Commercial Combined Insurance provides an integrated solution designed to address these exposures.

Property Damage

Protection for buildings, machinery, equipment, fixtures, and fittings against risks such as fire, storm, or accidental damage.

Stock Cover

Insurance for goods held in storage, production, or for sale.

Public Liability Insurance

Protection if a member of the public suffers injury or property damage in connection with your business activities.

Employer's Liability Insurance

Cover for claims arising from employee injury or illness related to their work.

Business Interruption Insurance

Financial support if your business cannot operate following insured property damage.

Theft and Money Cover

Protection against burglary, robbery, or loss of cash.

Equipment and Machinery Protection

Cover for accidental damage or breakdown of key business equipment.

Financial Protection When You Need It Most

Unexpected events can create both immediate costs and longer-term financial consequences. For example:

A fire damages your premises and stock
A customer suffers an injury on your property
Machinery failure halts production
A flood forces temporary closure of your business

Commercial Combined Insurance helps ensure your business has the financial resources needed to recover and continue operating.

Business Interruption: Protecting Your Income

Many businesses underestimate the financial impact of downtime. Even a temporary closure can lead to:

Lost revenue
Ongoing rent and utility expenses
Staff wages and operational costs

Business interruption cover helps replace lost income and support ongoing expenses while your business recovers.

Flexible Cover for Different Industries

Commercial Combined Insurance is suitable for many types of businesses, including:

Manufacturers
Wholesalers and distributors
Offices and professional services
Retail operations
Light industrial businesses
Warehousing and logistics companies

Policies can be tailored to reflect the size, sector, and risk profile of each individual business.

Simplified Insurance Management

By combining multiple covers into one policy, businesses benefit from:

One renewal date
One insurer relationship
Consistent policy terms
Reduced administrative complexity

This makes managing your insurance programme simpler and more efficient.

Supporting Business Growth and Stability

As your business grows, so do your exposures. Commercial Combined Insurance provides scalable protection that can evolve alongside your organisation.

Whether expanding operations, increasing stock levels, or employing more staff, your policy can be adjusted to maintain appropriate levels of cover.

Protect the Business You've Built

Your business represents years of investment, effort, and commitment. Comprehensive insurance protection helps safeguard that investment against unforeseen events.