Trades and Contractors Insurance
Trades and contractors operate in an environment where risk is part of everyday work. Whether working on residential properties, commercial sites or public spaces, there is always the potential for accidental damage, injury or loss.
At Dooley Insurance Group, we work closely with tradespeople across Ireland to ensure that their insurance arrangements reflect the real risks associated with their work. As an independent brokerage established in 1957, we provide access to a wide panel of insurers and focus on delivering practical, reliable protection backed by strong claims support.
Understanding the risks faced by contractors is central to arranging appropriate cover. A simple incident such as damage to a client’s property, an injury to a third party on site or theft of tools from a vehicle can have significant financial consequences. Without the correct insurance in place, these costs fall directly on the business.
Public liability insurance is typically the foundation of any contractor’s insurance programme. It provides protection in the event that your work results in injury to a third party or damage to their property. For contractors employing staff, employers liability insurance is essential to protect against claims arising from workplace injuries or illness.
In addition, many trades rely heavily on tools and equipment to carry out their work. Tools cover can be arranged to protect against theft or damage, including cover for items stored in vehicles subject to policy conditions.
Every trade presents its own set of exposures. Electricians face fire and installation risks, plumbers deal with water damage exposure, while carpenters and general builders encounter a wide range of site related hazards. For this reason, insurance should never be approached as a one size fits all solution.
Working with an experienced broker ensures that your cover is tailored to your specific trade, business size and working environment. At Dooley Insurance Group, we take the time to understand your operations and arrange cover that is both appropriate and cost effective.
In the event of a claim, having the right support is critical. Our role extends beyond arranging policies. We assist clients throughout the claims process to ensure matters are handled efficiently and fairly.
If you are a contractor or tradesperson seeking clarity on your insurance requirements, we would be pleased to provide guidance and arrange cover suited to your needs.
FAQ Section
What insurance do tradesmen need in Ireland?
Most tradesmen require public liability insurance as a minimum. If you employ staff, employers liability is essential. Tools and equipment cover is also commonly arranged.
Is public liability insurance required for contractors?
While not always a legal requirement, it is frequently required by clients and contractors and is considered essential protection.
Does trades insurance cover tools theft?
Tools cover can be included to protect against theft and damage, subject to policy terms.
How much does contractors insurance cost in Ireland?
Costs vary depending on the trade, turnover, workforce and claims history. A tailored quotation is recommended.
Why use a broker for trades insurance?
A broker provides access to multiple insurers and ensures that cover is appropriate while offering support in the event of a claim.
