Business Insurance Executive
Terri graduated with a BA Degree in Interior Architecture. Before Joining Keystone she worked in the financial sector for many years & qualified as an Approved Product Advisor [APA] in Life Assurance and Loans. She prides herself on her exceptional customer service.
Outside of office hours she can be found baking for friends, going to the theatre and traveling the world!
Business Insurance Executive
Having managed a successful restaurant for a number of years Kate knows the ins & outs of business & the value of exceptional customer service better than most.
Outside of work Kate can be found enjoying time with her family, good food & warm holidays, especially in Portugal
Olwyn has worked within the Insurance Industry for over ten years. Working within a broker environment her goal is look after and support her clients on a one to one bases.
In her free time she enjoys watching sports, baking and spending time with her young family.
Charlene has completed her Financial Advisor Qualifications [ QFA] in Life Insurance, Pensions, Investments, Loans and Regulation.
In her spare time Charlene likes socialising with friends where she will be found dancing until the music ends!
Maria has worked in the Insurance/Financial Services Sector for almost twenty years, over which time she has gained great experience.
Qualified in business administration and Insurance her goal is to ensure the client’s experience of Keystone Insurance and its products is of the highest standard.
In her free time Maria enjoys walking and watching Dundalk FC win.
Senior Business Insurance Specialist
Jennifer joined Keystone Insurance in 2012 with a background of over 15 years in the Insurance Industry.
She provides expert advice to existing and new clients on all matters relating to their business insurance.
She has a keen interest in cooking and loves to travel. Ask her next time you are speaking to her what her favourite recipe is!See Jennifer's full profile here
Senior Business Insurance Specialist
Tara graduated from UCD with a BA Degree in Business and Law. Before joining Keystone she held a managerial role with Enterprise,
a large multinational organisation who's primary focus is going above and beyond for each and every customer. Tara brings attention to detail, a yes mentality, exceptional customer service & a smile to all her clients.
Outside of work Tara enjoys live music, gigs, shopping & travel.
Jacinta joined Keystone with an extensive Customer Service background. Her attention to detail ensures our customer experience the highest level of customer service.
Whenever the opportunity arises she enjoys heading off for a trek in the beautiful Cooley mountains!
QFA, BA Hons QualifiedFinancialAdvisor & Wealth Manager
Jarlath is a Fully Qualified financial advisor & Wealth Manager having embossed 10 years financial services experience. He is presently completing his Final Stockbroking exams to become a fully registered stockbroker on completion. Jarlath manages Keystones Financial Services Department.
Outside of work he enjoys travelling, outdoor pursuits, reading & fishing.
Senior Personal Insurance Specialist
Breda spearheads our Personal Insurance Department where she looks after our clients Home, Motor & Travel needs.
Prior to joining Keystone Breda worked in the insurance industry for 12 years where she gained tremendous in depth knowledge of personal insurance.
Breda is a self confessed Gaa fanatic & can be found cheering on her local club at every opportunity!
Having left DKIT with a Business Degree Anthony fell into the Insurance industry where he worked for a number of years before establishing Keystone in 2006 with one simple aim – to be the best.
The company has grown rapidly & he puts this down entirely to surrounding himself with exceptional people.
Away from the office he spends his time with his young family & is interested in most sports, live music & pedigree cattle breeding.
Employers Liability Insurance
Welcome to Keystone Insurance, Ireland’s premier supplier of Employers Liability & Construction Insurance solutions to the Irish Construction Industry.
What is Employers Liability Insurance?
Employers Liability Insurance [EL] provides cover if any of your employees suffer physical injury or death, and it is proven that as an employer you acted negligently and subsequently could have prevented their loss. If they then decide to pursue you for compensation the insurer will pay the cost of the claim.
Consider the following examples where Employers Liability Insurance will provide cover:
- You run a carpentry company. One of your employees loses a finger while using a chop saw and decides to claim against you for his injury
- You are a scaffolding contractor and are erecting scaffolding around an apartment block. While erecting the scaffolding one of your employees falls and suffers severe bodily injury. He decides to claim against your firm.
Please note that Public & Employers Liability is offered ‘hand in hand’. When arranging liability insurance you will need to arrange both Public Liability & Employers Liability Insurance together [Also known as Combined Liability Insurance] as Employers Liability Insurance is not available on a ‘Stand Alone’ basis.
Employers Liability – Frequently Asked Questions
What is the difference between public liability and employers’ liability insurance?
Employers Liability Insurance covers you against claims from your employees while Public liability insurance covers your business against claims from third parties.
In summary, Employers Liability Insurance is concerned with your employees’ welfare and Public Liability Insurance is concerned with covering you from claims in respect of third parties. Click here if you would like to learn more about public liability insurance.
What is Employers Liability?
In the event that an employee is physically injured or dies, they or their relatives will be able to sue your business for compensation. EL will cover you for the compensation that will have to be paid out along with associated legal costs.
Is Employers Liability Insurance required by law?
Employers Liability Insurance is not compulsory under Irish Law although it is a compulsory insurance in Northern Ireland & the UK.
For customers based or operating in Northern Ireland & the UK you can view the relevant legislation here
Who Needs Employers Liability?
Any company that has employees needs employers liability insurance.
How Do Claims Arise?
A claim can arise in a number of different ways however usually it is the result of a workplace accident. Often employees suffer relatively minor injuries and are encouraged to sue their employers by ‘no win no fee’ lawyers.
What Is The Minimum Amount Of Employers Liability Insurance That I Need?
The minimum & standard level available in Ireland is €13,000,000. It is possible to arrange up to €50,000,000 cover however €13,000,000 is adequate for the vast majority of businesses.
[For Northern Ireland & UK companies the standard level of Employers Liability Insurance cover is £10,000,000]
Can I buy Employers Liability insurance on its own?
No, Employers Liability insurance is arranged hand in hand with Public Liability Insurance. This is commonly known as Combined Liability Insurance.
How fast can I get quotation for Employers Liability Insurance?
The time it takes to get a quotation for employers liability insurance depends on the size and complexity of your business. If you are a small tradesman with fewer than five employee’s quotations can typically be given instantly. If your business is classed as high risk (i.e. asbestos removers, civil engineers etc) quotations can take longer although we usually achieve a 24 hour turnaround.
Is Employers liability insurance expensive?
Employers liability insurance rates have reduced significantly over the last five years and are nowhere near the ridiculous levels reached in 2001/2002. Premiums vary depending on your business activities, the level of cover you require, your turnover and the number of employees your business has. At Keystone Insurance we deal with over 15 construction insurers to ensure that we provide our customers with the most comprehensive cover available at the best possible price.