Welcome to the website of Burke Insurances Ltd. We've been around a long time before the web, in fact we have been an insurance broker in Galway since the mid nineteen sixties -But we love change and a challenge. By embracing change we are now looking at a third generation of successful Insurance Broking from our Galway base. .
The firm specialises in Business and Commercial Insurance, Professional Indemnity Insurance, Business insurance of all kinds including Employers and Public Liabilities, Product liability, Commercial Vehicle Insurance, Motor traders and virtually all areas of General Insurance- For insurance brokers in Galway you need the experience and expertise of a firm like ours.
Because of our location in Galway - a global hub for Life Sciences and Medical Devices - we have developed a particular interest and knowledge in the insurance needs and requirements of the Life Science Industry. We have clients in this area ranging from the One Person start-up engineer with an idea to develop a device through to insurance for companies with hundreds of employees and multiple worldwide locations. You're never too small or big for us to have an interest in your insurance, particularly if it's Medical Devices or Biotech - Check out our Life Science Insurance pages here.
We also have a Personal Insurance division in our insurance Broking office in Galway that deals in the Home Insurance, Holiday Home, Personal Accident and Travel Insurance.
In the Financial Services area, we have an associate company Burke McGreal Financial Consultants Ltd. who deal in all areas of Life Assurance, Pensions, Investments and Mortgages.
What's Public Liability Insurance ? A little guidance !
Public Liability insurance is not a compulsory class of insurance in Ireland - Unlike Motor Insurance a business is not required ( Generally !) by law to actually have Public Liability Insurance Cover - But for most SME's and Consultants Public liability is one of those insurance classes that they will want to buy as part of their Business Insurance suite of products - See below what public liability costs - or look at our YOUTUBE video ..
A Public liability policy is bought so it protects the buyer ( that is the insured ) in respect of their legal liability to other persons or entities (third parties) for bodily injury and for any loss or damage to material property which happens in connection with the carrying out of the business of the buyer ( "the insured ") under the policy and occurs during the policy period .
There are lots of terms and conditons applying but the above is the general idea on why somone buys and for full details on an actual policy you can call us and we'll run through with you -Call our Galway Insurance Brokers Commercial Insurance broking team now 091 563518
Non Disclosure - A problem for all insurance clients..
This is one of those areas that you don't realize you have a problem until you have a claim and you realize that you have made some Non Disclosure - Whether innocent or not it is a major problem for you. - Not uncommon to see insurers turn down claims on what might seem fairly innocent Non Disclosures -It might be as simple as forgetting to advise an insurer about a glass claim for five hundred euro some three years prior to taking ot the policy ..The one thing that the public need to near in mind is that you need to disclose all facts to the insurers that they consider relevant - Not what you consider relevant - and if you are deemed to have withheld a 'material fact' the insurers are then in the position of possibly turning down your claim - examples of material facts might be - Non disclosure of penalty points in motor insurance , a claim on another home not being disclosed in a home insurance proposal , Occupation not fully disclosed on a business or liability policy ..... Call our Insurance Broker team in Galway now for more information .
Flood Insurance - Impact on Home Insurance premiums
Obviously an item in the news recently - quite a bit people ask us about how we think their home insurance premiums will be impacted and we thought we'd share what we have heard in general- It seems like a lot of damage has been done by the storms , but unlike say in the case of the big freeze up a few years ago it is mainly infrastructural items that have borne the brunt of the damage by the storms and individual homes etc are less affected - In many cases the properties will have been excluded from flood cover in the first place - So it looks like the actaul insurers bills for actual home insurance claims will not be anything like the 'freeze up' - This being the case it is likekly that insurance premiums for home insurance will not increase dramtically BUT what will happen is that insurers will be re-drawing their flood maps and so houses that may have had flood cover previously will no longer qualify for the cover and it will be excluded at next renewal , even if they didn't have a claim .. the public never win !! - Call our claims helpline on 1890 799 997 or email is on email@example.com
Home Insurance - Even with a claim
Home insurance can be an expensive product - particularly if you have had a claim - With a lot of insurers now they have a no claims bonus system which means if you have had a claim your premium could potentially double as if the bonus is 50% then that means your premium can effectively double following a claim . We have markets that can quote for you with a claim so keep us in mind for home insurance with a claim !
Cyber Liability Insurance
This week has see even more breaches of companies IT security systems with the resultant loss in data for the companies concerned - Result is extra cost to companies to repair networks ,extra costs in having to write and advise clients / customers of the hack , add it on al costs in dealing with data protection commissioner AND of course potential loss of income for those with live sites where business is transacted - for details on Cyber Liability and data protection insurance call our Galway Insurance Brokers on 091 563518 for more detail !
Event Insurance Public Liability- Special events
We have a specialist site that caters for people who need public liability insurance for special events - like a Christmas fare , a fun run , a charity sponsored walk , a fashion show ....and many more type events - For this one follow this link to our EVENT INSURANCE site where with a few details we can quote you the most competitive public liability rates - Quotes on these are given by our Galway Insurance Brokers team led by
Anthony , Michelle and Joanna- GO to eventinsurance.ie NOW !
Specialist Public Liability Insurance Site
Did you know we have a specialist online click and buy instantly public liability insurance site for those non hazardous professions that need public liability online and instantly - Answer the few qualifying questions , get your quote and buy your public liability cover instantly - No need to contact our Galway Insurance brokers then ... Unless of course you want some one to one advice - Check out www.publicliability.ie now !
We have secured facilities recently that provides some excellent covers at affordable costs to
start up companies in the Life Science Area. They can start with purchasing as little as a
Property and Public liability policy and add on other covers like Products Liability
Errors & Omissions covers and Employers liability as they grow and the need arise.
If you are a start up life science company there are some very useful info pages here -
Our Personal Insurance department have access to a specialist product that can cater for the needs of the motorist that may have no no claims bonus or may have lost their no claims bonus following an accident - Call our Galway Insurance brokers team on 091 563518 for details on this product
Health and Fitness Trainers
This is a huge growth area and we have seen massive demand for Public liability insurance for Health and Fitness Instructors - We have designed a specialist product for this and it's available from our specialist
Public liability site - On this site you can quote and buy in an instant - Check it out PUBLICLIABILITY.IE
If you like you can always of course call our team of insurance brokers in Galway 091 563518 .
Unoccupied property Insurance
Depressed Market means there is still quote a bit of property out there unoccupied and this property can be difficult to get insurance cover for - Good news - Our brokers in Galway have some great markets for Fire and
Public Liability for unoccupied properties - Call our Galway Insurance Brokers team on 091 563518.
Personal Insurance - Breakdown Cover - A Tip from our Galway Insurance Brokers Brokers
Lots of Motor Insurance policies these days have breakdown cover included - But you know the funny thing - Our team in Galway office tell us - Is that in pretty much most cases the number for the breakdown company / service is not on your insurance disc and so generally not in your car! - You should make a note of it says Michelle -" 'put it into your phone or write it on the back of the disc' as invariably when you break down it won't be during office hours !".. Our tip for motor insurance today !