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Business Insurance

Our commercial insurance lines team have many years of experience providing best in class business insurance advice to SME and corporate Irish and UK clients across multiple industry sectors.

Engineering Insurance

LHK Group provides specialist Engineering Insurance solutions that protect your machinery, plant, and technical operations from unexpected breakdowns, damage, and business interruption. With expert guidance and access to leading insurers, we help you safeguard critical equipment, maintain compliance, and keep your operations running smoothly and safely.

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Personal Accident Insurance

Group Personal Accident Insurance provides financial protection for employees in the event of accidental injury, disability, or death. LHK Group delivers tailored cover that supports your team and their families, offering peace of mind and an added layer of security within your overall employee benefits package.

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Marine Cargo/Goods In Transit Insurance

Transporting goods—whether by road, sea, or air—comes with risks. Theft, damage, or loss can disrupt your business and lead to costly setbacks. Marine cargo and goods in transit insurance from LHK Group protects your goods during transport by sea or land.

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Motor Fleet Insurance

Your fleet of vehicles is a significant investment and key to a successful and efficient business operation. Having motor fleet insurance will give you the peace of mind for you to focus on your business.

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Motor Traders Insurance

LHK helps motor traders secure insurance solutions covering road risks, liability, and material damage—keeping your business moving in the right direction.

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Office Insurance

Office insurance from LHK Group provides essential protection for businesses across Ireland. Cover includes office contents, liability, fire brigade charges, business interruption, glass cover and more.

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Professional Indemnity Insurance

Professional indemnity insurance protects your business against claims of negligence. With premiums easing after years of increases, LHK ensures competitive premiums and comprehensive cover for your business.

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Shop and Retail Insurance

Accidents can happen, even in the safest retail environments. LHK provides comprehensive retail insurance to protect your premises, stock, and liability risks. Our team works with leading insurers to ensure your business is covered against unexpected events.

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Special Types Vehicles Insurance

Special types vehicles, such as forklifts, diggers, and harvesters, play a vital role in industries like construction, agriculture, and logistics. These vehicles often operate in high-risk environments, making the right insurance essential to protect against damage, liability, and working risks.

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Directors and Officers Insurance

Leading a business or organisation means making decisions that carry risk. Directors & Officers insurance provides financial protection if claims arise from actions or decisions taken in good faith. It’s not just for companies—committees, charities, and clubs also need this cover, with options to include entity liability, crime, and employment practices protection.

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Cyber Insurance

Cyberattacks are becoming more frequent and costly, with data breaches and ransomware posing serious risks to businesses of all sizes. Cyber liability insurance helps protect against financial loss, reputational damage, and operational disruption caused by these threats. As companies rely more on digital systems, having the right cover in place is essential.

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Contractors All Risks Insurance

From fire and accidental damage to loss of materials, Contractors All Risks insurance helps protect your work in progress. Cover can be extended to include your own plant, hired-in plant, and employees’ tools, making it suitable for builders, roofers, carpenters, and other trades.

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Commercial Property Insurance

Property owners insurance is essential for anyone with rented, tenanted, or unoccupied properties. It covers material damage, contents, and landlords’ fixtures and fittings, as well as property owners’ liability. Whether you own a single unit or manage multiple investments, this policy helps safeguard your assets against financial loss and unexpected risks.

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Commercial Legal Expenses

Commercial legal expenses insurance provides vital protection for businesses facing unexpected legal challenges. It covers employment disputes, compensation awards, and legal defence costs, as well as claims following property damage or bodily injury. Additional benefits include cover for revenue audits, access to a full employment manual, and a 24/7 legal advice helpline.

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Commercial Insurance Combined Packages

Commercial combined insurance brings essential protections together in one policy. It covers material damage, business interruption, liability, money, glass, computers, and fire brigade charges. This flexible package is suitable for a wide range of businesses, including retail, offices, property owners, SMEs, schools, and more—providing comprehensive cover under one plan.

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Product Liability Insurance

Product liability insurance is essential for any business involved in manufacturing, distributing, or selling goods. Even with the highest standards, mistakes can happen—whether it’s a design flaw, a faulty component, or incorrect labelling. These issues can lead to costly claims for injury or property damage. Having the right cover in place means you can protect your reputation, manage legal expenses, and keep your business secure while continuing to deliver quality products with confidence.

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Employers Liability Insurance

Employers’ liability insurance protects your business if an employee is injured or becomes ill due to their work. Even with strong safety measures, accidents happen—whether it’s a slip in the office, a lifting injury in a warehouse, or a long-term condition like repetitive strain. This cover ensures you can meet compensation costs and legal fees, safeguarding your business and supporting your team when they need it most.

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Public Liability Insurance

Public liability insurance is essential for any business that interacts with the public. It protects you if someone is injured or their property is damaged because of your business activities—whether at your premises, on a client site, or during an event. From slips and falls to accidental damage, this cover ensures you can manage compensation claims and legal costs without risking your financial stability or reputation.

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Trade Credit Insurance

Trade Credit insurance is designed for businesses that sell goods or services on credit, whether domestically or internationally. It protects against non-payment and insolvency, reimbursing up to 95% of outstanding invoices. Beyond financial protection, the policy includes ongoing risk reviews of your customers, helping you make informed decisions and safeguard your company’s future.

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Farm Insurance

Farming carries unique risks, from machinery and vehicles to livestock and property. Farm insurance helps safeguard your livelihood by covering material damage, liability, and business interruption. We can arrange comprehensive cover for farms of all sizes, ensuring peace of mind season after season.

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We can help

There are many insurance types for businesses and it can often be difficult to identify the cover you really need.

Our qualified team can do the leg work for you.

Complete the form below and we can source the optimal covers for your business at the best price.

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Dublin Office

Business Insurance
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