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Frequently Asked Questions

• Why use an Insurance Broker?
  Your business insurance needs can be complex, and understanding it all can be time consuming. Time is a precious commodity in business, and one thing you can't afford is to choose the wrong insurance for your business. A professional insurance Broker has the expertise to know what the most appropriate cover is for your needs, and will take the time to research and explain your options to you.
  
  It's not just about easing the stress and reducing the pressures on your time. It's about finding you the most appropriate cover at the right price. It's about providing guidance when you need it. It's about accurately presenting your risk, understanding your needs, as well as knowing the market, the covers available, the differences from one insurer to the next, and what the implications of those differences are for you. It can also be about dealing with your claims on your behalf. Our experience is that the services of a professional broker can prove invaluable to our business insurance clients, offering added value, expertise and peace of mind.
  
  We are happy to recommend a broker who can help; just call us on 1890 89 1890.
• Do I need Employers Liability Insurance?
  In the Republic of Ireland Employers Liability is not compulsory. However you are responsible for the health and safety of your employees while they are at work.
  
  Employers Liability insurance will enable you to meet the cost of compensation for your employees injuries or illness which occur while your employees are working for you.
• What type of businesses do you cover?
  We cover most businesses and professions from Sole Traders to large Limited Companies. Whether you wish to insure your small shop or large manufacturing plant, Liberty Insurance can look after your insurance needs.
• Is there an excess on the policy?
  Yes, all our policies carry an excess. We are open to discuss various excess options on all quotations. This partnership approach provides discounted premiums for policyholders.
  
  In addition, we will pay up to 50% of the excess on liability policies (up to a maximum of €5,000) to policyholders who help us avoid legal costs.
• What is a policy excess?
  This is the first amount of any claim that you must pay. We will pay the balance.
• What payment options are available?
  You may choose to pay your premium by Cash, Cheque or Credit Card or spread the cost over the year with our Direct Debit plan.
• Who do I contact if I need to make changes to my policy?
  When you take out a policy you will be given contact details of a dedicated account handler for any queries.
• How long will it take to get a quotation?
  If you call us we can generally provide a quote within 10 minutes on straightforward risks with a low advice requirement. If you complete the quotation request form we will call you at a time that suits within 48 Hours of receiving it.
  
  If you are an insurance broker, please send your submission to newbusiness@libertyinsurance.ie to access prompt and friendly service. You can expect a response within 24 hours. We invite you to call your Regional Underwriting team or Business Development Specialist to discuss bespoke requirements.
• How long are quotations valid for?
  Quotations are valid for 30 days.
• How do I go on cover?
  You should telephone your account handler who can provide cover with immediate effect.
• What information do I need to provide for a quote?
  If you are renewing your existing insurance policy it will be helpful to have your current policy schedule available when you call.
  
  If you are setting up a new business one of our experienced business account handlers will assist you through the quotation process. We may recommend an insurance broker to you if your requirements are complex or if we believe that you would benefit from additional advice.
  
  If you are an insurance broker, your normal risk submission should be sufficient. You can help us to provide you and your client with our most competitive terms by including photographs and other additional insight.
• Will Liberty Insurance carry out a survey?
  Our specialist survey team randomly select customers and may attend your premises to offer free risk management advice. There is no charge for this service.
• Who regulates Liberty Insurance?
  Liberty Insurance Limited is regulated by the Central Bank of Ireland. Liberty Insurance Limited is registered in Ireland, registration number 494729.
• Are there additional charges over and above the premium?
  All insurance premiums are subject to a 3% Government Levy. Any additional premiums charged to existing policies as from 1st January 2012 will also include 2% Insurance Compensation Fund levy.
  
  The 2% Insurance Compensation Fund levy is applied to new business and renewal premiums for policies which commence on or after 1st January 2012.
• How do I renew my policy?
  When your insurance policy is due for renewal we will notify you in writing approximately 30 calendar days in advance.
• How do I report an incident or claim?
  Incidents that may give rise to a claim must be reported to Liberty Insurance Immediately on 1850 858530.
  
  Details of the claim can be sent to:
  E-mail: comclmnotif@libertyinsurance.ie
  Fax: 049 4324279.
• Do I have to report every incident or claim?
  All incidents which may give rise to a claim must be reported to Liberty Insurance immediately. If in doubt, please call or email comclmnotif@libertyinsurance.ie and we can advise you or you can ask your broker.
  
  Our market leading early intervention claims response depends upon prompt notice of incidents, and late notification may invalidate your claim.
• What information will I need to provide in the event of an incident or claim?
  Please ensure you have full details of the claim including: policy number, name and contact details, date and location of incident, circumstances surrounding the incident and third party details if applicable.
• What happens after I have reported an incident or claim?
  On receipt of your information a Liability Report Form will be sent to you. A Regional Claims Manager is appointed on all claims received if further investigation is required and they will make contact with you.
• When do I need to pay the excess on a claim?
  Once Liberty Insurance has made a payment the excess will immediately become due.

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