Public Liability & Event Insurance
Public Liability & Event Insurance
Public Liability insurance protects your business in the event of a compensation claim that results from an injury or illness, or property damage caused by your business.
While it isn’t a legal requirement in Ireland, Public Liability insurance is an essential cover for any business that has members of the public visit their premises.
Public Liability Insurance will typically cover your business for any legal costs and compensation claims made against you by a third party. It will also cover the cost of repairs to property damaged during the course of your work.
It will not cover you personally in an accident, nor any damage to your own property or that of your employees. Your general business insurance policy should include cover for those risks separately.
If you are running or promoting an event that is taking place at a physical location for members of the public, Public Liability insurance is worth considering. As events vary significantly based on their locations and activities, so do their degree of risk. That’s why it is so important to have a Public Liability insurance policy tailored to suit your event and reduce your financial risk and exposure in the event of an accident causing an injury or loss. Whether you are an event organiser, contractor, charity, volunteer group or other type of organisation, we can help you obtain the cover you need for your event.
Request a Quote
Speed up your quotation by filling in our online public liability & event insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
Meet the team
Benny Sheridan
INSURANCE BROKER
Miriam Sheridan
INSURANCE BROKER
Siobhan McPhillips
Insurance Broker
Customer Support
Claims Contact
Need to make a claim?
Emergency Numbers
Need to access emergency contact numbers?
Your benefits…
Public liability and event insurance from Sheridan Insurances comes with a variety of benefits such as:
Insurance policies tailored to the needs of your business
Flexibility for all business sizes, small, medium and large
Experienced brokers who will research the market on your behalf
Essential protection against the unexpected
Public Liability & Event Insurance FAQs
We want to make sure you know exactly what public liability & event insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.
Will Public Liability insurance cover the full amount of my costs and/or claim for compensation?
It is unlikely that in the event of a claim that your insurer will cover the entire cost of a public liability claim. When you took out your policy, you would have chosen to pay a policy excess in the event of a claim, such as the initial €250 or €500 of any claim. The more excess you opt to pay in the event of a claim, the less your insurance premium is likely to be; remember to make sure your business is able to cover the excess in the event of a claim.
What type of businesses need Pubic Liability insurance?
Builders, hairdressers, manufacturers, retailers, event organisers and licensed traders are just some of the businesses that should have Public Liability in place. In fact, any business that has third parties visit their premises for any reason should consider protecting their business with Public Liability insurance.
I am applying for a contract/tender and have been asked for evidence of Public Liability; what do I do?
Some organisations require contractors to take a minimum amount of Public Liability insurance before they are awarded a contract. Your policy schedule specifies the level of your Public Liability cover insurance; a copy can be provided as part of your application for the contract or tender.
Is Liability insurance compulsory in Ireland?
Liability insurance is not compulsory in Ireland however keep in mind that if someone makes a claim and you do not have cover, that you may be held personally liable. In Northern Ireland and the UK however, Liability insurance is mandatory for businesses.
How much does Event Liability cost?
Every event is different and therefore there is no fixed premium for Event Liability Insurance. Your premium will be based on the type of event you are running and what risk is involved. We will discuss this with you prior to obtaining a quote for a policy that is tailored to your needs.
Will Event Liability insurance cover my employees?
Yes, provided you have opted to include employers liability in your policy. This covers employees working in your business. Working directors need to be noted in order to be covered under the employees liability section of your policy. However, your policy will not cover contractors or subcontractors and they should provide evidence of their own insurance policy prior to being contracted to work on your event.
Can I pay my Event Liability premium by the month?
No, Event Liability premiums need to be paid upfront in one payment.
What should I do if something goes wrong at my event?
If something goes wrong at the event you are running or promoting, DO NOT admit liability as this may impact your cover. Instead, let your insurance company take care of this for you.
How can I obtain a quote for Liability Insurance?
Contact a member of our team to discuss your needs and we will research the market to provide a suitable policy and quotation for your business.
How to talk to us…
Request a Quote
Speed up your quotation by filling in our online public liability & event insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
Want to hear more….
What our customers say...
sindija S.
1693410355
Wonderful experience.Audrey very helpful and she provide excellent customer service.
Gerry H.
1688593096
I recently had the privilege of dealing with Stephen in Sheridan Insurances regarding a complicated car insurance issue, (Well complicated for me). Stephen took the time to assess the situation, then spent an hour sorting through the various issues. He got me great cover at a fair price & made the experience seem so simple. All was done in a professional & friendly manner. I commend Stephen highly & the face to face interaction certainly beats the online quagmire frequently presented by most insurance companies.
Dermot B.
1685004982
We have worked with the Team at Sheridan Insurances for the past number of years on our Groups employees Health Insurance Scheme.Noeleen & her colleagues have provided a brilliant service giving clear and concise advice on a timely basis both to the company and on any employee queries that have arisen.
Mary S.
1684961878
Stephen helped me out with my first car insurance policy. He was great, made the process very easy, got me a good deal and was super friendly!
Margaret McKeon B.
1684852249
Fabulous service from Siobhan and the team in Sheridan Insurances. I am a client for a number of years and the services is always the same - perfect. A customer focused team.
Jean A.
1681485547
Excellent support, guidance and advice from the QFA, Audrey Jameson
Helen C.
1676397557
Thank you, Miriam, at Sheridan Insurance. Being able to discuss my home insurance needs as an Holistic Therapist was so stress free and easy with you. Your attention to detail and professional way made the whole process so smooth. Thank you for the human touch also, in taking the time to walk me through my policy. Highly recommending your services and supporting your local business in Navan. Co Meath. Thank you, Miriam Sheridan and Sheridan Insurance. Helen Colgan
Richard L.
1675978984
Lifesavers – With 110% professionalism at all times, we were provided with much needed support and guidance under difficult circumstances, with a very tight deadline. Without the team in Sheridan Insurance’s diligence and effort, going the extra mile on more than one occasion, we can honestly say we wouldn’t have the secure future we can now look forward to. We would recommend Sheridan Insuances to anyone looking for any type of insurance. Hands down the best decision you'll make! Thank you Audrey, Brian and Niall. Richard & Maria Leonard
Fergal S.
1666552611
An absolute pleasure to deal with, there is great communicators in Sheridan insurance, Brian Flanagan is an absolute gentleman. Will definitely be in contact with Sheridan insurance in the near future.
Pauline B.
1654720862
Highly recommend this insurance company they have gone above and beyond to help me get my business insurance and at a great price.The staff couldn't have been any more helpful to me.Give them a call you wont be disappointed
Andrew S.
1652453394
I used Sheridan Insurances in Cavan today and the service was absolutely first class. They were helpful, knowledgeable, professional and polite. I can highly recommend Sheridan Insurances.
Mary R.
1642105907
Well mannered and attended toWith ease and business done ..quickly
Eugene T.
1536342515
Great gang in sheridans insurance very easy to deal with.. especially Tommy Brady top man when you need one..
Pip A.
1506949475
My name is Philip Sheridan Sides.I was buying a van on done deal when I saw the advert for Sheridan insurance. The playright Richard Brinsley Sheridan was one of my ancestors and that is where the Sheridan in my full name as we had the same name. \I rang the office for a quote and was put through to broker Kelly Crowe. My first premium was high as I had been with Dolman Insurance who specialise in Camper vans and my no claims on the camper van was not able to transfer. This is something I believe the insurance industry should change as it is unfair on camper van drivers who like myself at the tie use the vehicle as their only method of transport.This was seven years ago. I am a very busy free lance photographer, musician and I run an NGO called Whistles for Refugees.The NGO collects unwanted tents and sleeping bags at festivals, thus saving them from landfill thus turning this landfill into aid for the most vulnerable people on this planet fleeing the horrors of ISIS. Whistles for Refugees also brings whistles out to refugee camps, music is healing and the Irish tin whistle gives the opportunity for the refugees to learn and play Irish music with an instrument that is light portable, inexpensive to buy and relatively easy to learn.Sheridan Insurance are currently researching for an underwriter to provide public liability insurance for our NGO so that our volunteers are covered should they get pricked by a needle while cleaning out tents at festivals or any other risk involved in our work.Broker Kelly Crowe has been amazing at her job. From the very beginning Kelly was able to organise a quote, with my line of work and my bad luck with vehicles I am often having to rent replacement cars to make sure I get to my commissions safely and punctually. I am never 5 mins from getting my insurance transferred to keep my rental costs lower. I needed a copy of my no claims bonus to get insured on my partners camper van and this was emailed to me within 5 mins of my request, even though this was with a different firm!I also run a tour business bringing clients on adventures with sea kayaking and photography. Once again my broker was able to produce a policy that was affordable and organised with minimal fuss in minimal time.For quality, price and especially (what I believe is the most important in business) service, Sheridan insurance is second to none.I could not recommend Sheridan Insurance and my broker Kelly Crowe enough.
JP M.
1495832320
We all hate shopping for insurance but the brokers at Sheridans do all the legwork for you and find the best deal and the cover you actually need - plus they are easy to deal with. You get assigned a broker and you can actually speak to a real human being. Great idea.
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