While neither employers’ or public liability cover are compulsory in the Republic of Ireland, Public and employers’ liability insurance is essential for various individuals and entities. Businesses, regardless of size or industry, require this coverage to protect themselves from potential financial losses and legal liabilities.
Specifically, businesses that interact with the public, such as retail stores, restaurants, or service providers, need public liability insurance to cover costs related to injuries or property damage suffered by customers or other members of the public.
Employers’ liability insurance is necessary for businesses with employees, ensuring coverage for workplace injuries or illnesses suffered by workers. Additionally, contractors, freelancers, and self-employed individuals should also consider obtaining this insurance to safeguard against potential liabilities arising from their work activities.
Overall, anyone conducting business activities that involve interaction with the public or employees should strongly consider acquiring public and employers’ liability insurance to mitigate risks and protect their interests.
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