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Professional Indemnity Public Liability Employers' Liability Property & ICOW

New Online Professional Indemnity Facility

Cuffe & Co. is pleased to announce that our new online facility for Professional Indemnity-led business is now available. Quote eligible risks up to €100 million turnover, with minimum premiums starting from €185.
€100m
Up to €100m Turnover Instant digital quote and bind for eligible professional trades
€185
Minimum Premiums From €185 Highly competitive commercial rating across 250+ occupations

Professional Indemnity is the only mandatory core cover, with Public Liability, Employers' Liability, D&O, Crime, and now Property & Business Interruption (ICOW) available seamlessly under one coordinated schedule.

Now Live Combine commercial property protection and portable equipment alongside PI Combined in a single digital placement.

Coverage & Policy Limits

Available Products & Coverage Limits

Professional Indemnity is the core mandatory cover. Modular commercial liability and management protections can be added seamlessly under a single coordinated schedule.

Mandatory Core Cover Primary Product

Professional Indemnity

Comprehensive civil liability protection for advice, design, and consultancy errors across 250+ eligible professional occupations. Includes legal defence costs, mitigation, and defamation cover.
Available Limits:
€100k · €300k · €500k · €1m · €2m · €5m · €10m
Optional Cover

Public & Products Liability

Third-party bodily injury and property damage protection, including sudden and accidental pollution liability, tenant's liability, and legal defence costs.
Available Limits:
€1m · €2m · €5m · €10m
Optional Cover

Employers' Liability

Statutory protection for claims arising from employee injury, illness, or disease sustained during employment. Includes full vicarious liability for labour-only contractors and temp staff.
Available Limit:
€10,000,000 (Standard Limit)
Optional Cover

Directors' & Officers' (D&O)

Personal liability protection for company directors, officers, and senior managers against claims alleging wrongful acts, regulatory investigations, and corporate governance breaches.
Available Limits:
€100k · €250k · €500k · €1m · €2m · €5m
Optional Cover

Employment Practices Liability

Covers defence costs and awards arising from employment disputes, including unfair dismissal, discrimination, harassment, and retaliation allegations. Available when D&O is selected.
Available Limits:
€100k · €250k · €500k · €1m
Optional Cover

Fidelity & Commercial Crime

First-party direct financial loss resulting from fraudulent acts, employee theft, forgery, computer fraud, funds transfer fraud, and social engineering fraud.
Available Limits:
€10k · €25k · €50k · €100k · €250k · €500k · €1m
Optional Cover

Computer Breakdown & Assault

Specialist packaged add-on for professional services firms. Covers sudden mechanical/electronic hardware breakdown and personal injury sustained during armed robbery or hold-up.
Packaged Limits:
Breakdown: €25k · Money & Assault: €15k
Optional Cover View Details ↓

Property & Business Interruption (ICOW)

Comprehensive first-party property and continuity cover available alongside PI Combined. Protects office contents, IT infrastructure, portable devices worldwide, buildings/tenants’ improvements, and increased cost of working.
Package Elements:
Contents · Portable Gear · Buildings · ICOW
PI Combined Feature

Property & Business Interruption (ICOW) Cover

Brokers can now wrap complete physical property protection and business continuity into their client’s Professional Indemnity Combined policy. Add office contents, IT infrastructure, portable devices, and increased cost of working in a single, coordinated placement.

What’s Covered

Modular first-party protection tailored for modern office-based and hybrid professional practices:

💻

Office Contents & Computers

Comprehensive cover for furniture, fixtures, office fittings, tenant fit-out, telephony, on-premise servers, and desktop computer hardware at the scheduled premises.
Furniture & Fit-Out Office Machinery Servers & Desktops
💼

Portable Equipment

Worldwide protection for laptops, tablets, smartphones, and specialist presentation gear used away from the office by directors, consultants, and remote staff.
Laptops & Tablets Smartphones Worldwide Cover
🏛

Buildings & Tenants’ Improvements

Structural premises cover for eligible property-owning clients, plus full tenants’ improvements protection for fixtures and interior modifications for leasehold tenants.
Owned Premises Leasehold Alterations Landlord Fit-Out Terms
⚡

Business Interruption (ICOW)

Increased Cost of Working cover to finance the unavoidable extra expenses of maintaining business operations and client servicing following an insured property damage event.
Temporary Office Hire Interim Hardware Rental Relocation & Overtime
✨

Additional Policy Benefits

Built-in extensions to support recovery, including trace & access for escape of water leaks, debris removal costs, architects’/surveyors’ fees, and automatic temporary cover for newly acquired property.
Trace & Access Debris Removal Professional Fees Newly Acquired Property

Why Brokers Will Love It

Designed specifically to simplify commercial broker administration while delivering superior client protection:

📋

One Placement, More Cover

Add comprehensive property, contents, and ICOW protection alongside PI Combined without the complexity, paperwork, and fee friction of negotiating a separate commercial office policy.

🌍

Built for Modern Businesses

Traditional office wordings restrict equipment to fixed desks. Our facility includes dedicated portable equipment protection to support technology firms, consultants, and teams working across hybrid environments.

⚡

Faster Placement

Automated premises risk checks integrated directly into our digital portal mean most eligible risks can be quoted and bound straight away—avoiding lengthy manual survey delays.

⚠

Broker Facility Scope & Coverage Clarification

Combined Availability Only: Property & Business Interruption (ICOW) cover is an optional modular addition available strictly alongside our Professional Indemnity Combined facility. It is not available as a standalone property purchase.

Increased Cost of Working Scope: Business Interruption cover under this facility provides indemnity specifically for Increased Cost of Working (ICOW)—meeting the unavoidable additional expenses required to maintain ongoing business continuity—rather than traditional loss of gross profit or reduction in turnover.

Underwriting Scope

Risk Appetite & Eligible Occupations

Fast online quote and bind for businesses up to €100m turnover across 250+ professional occupations. Instant automated binding for standard risks; rapid 4-hour review for referred risks.

Turnover Appetite
Up to €100m
Core Requirement
PI Mandatory
Referral Target
4 Business Hours
Territorial Limits
Ireland / UK / EU / WW*
Supported Occupations
250+ Trades
Maximum PI Limit
€10,000,000
🔍
Matching Occupations in Facility Database:

Business & Professional Consultants

Strong Appetite
  • Management, business strategy, advisory and operations consultants
  • HR, marketing, market research, and logistics/transport advisors
  • Compliance, risk management, GDPR and corporate governance consultants
  • Environmental, sustainability, carbon audit, and energy assessors
  • Corporate trainers and executive coaches (excluding schools/minors)
  • Commercial health & safety advisors (excluding offshore & heavy manual)
  • Patent, trademark, and intellectual property agency services
  • Commercial claims management and investigation specialists
Facility Guidance: Quote & bind eligible up to €100m turnover. Full liability suite available.

IT, Technology & Digital Services

Strong Appetite
  • Software developers, systems engineers, and application architects
  • IT consultants, technical project managers, and systems analysts
  • Managed service providers (MSPs), network and infrastructure support
  • Cloud architecture (AWS/Azure/GCP), SaaS providers, and hosting specialists
  • Website design, UI/UX product engineering, and SEO agencies
  • Cyber security, penetration testing, and IT audit (subject to UW criteria)
  • Cross-border and international exposure supported, including US clients
Facility Guidance: Fast online quote & bind. Cyber liability add-on available.

Recruitment, Staffing & Payroll Firms

Dedicated Scheme
  • Permanent, temporary, and contractor placement recruitment agencies
  • Executive search, headhunters, and talent acquisition consultancies
  • Umbrella companies, contractor payroll bureaus, and PEO providers
  • Payroll administration and payroll-related financial consultancy
  • Contractor insurance compliance across 30 EU countries
  • Full vicarious liability extension available for supplied personnel
Specialist Facility: Comprehensive multi-jurisdictional recruitment protection under single master policy.

Media, Creative & Communications

Strong Appetite
  • Digital content creators, brand designers, and communications agencies
  • Copywriters, commercial editors, ghostwriters, and speechwriters
  • Commercial & product photographers, videographers, and film producers
  • Drone aerial photography / videography (IAA licensed operations)
  • Advertising, PR, media planning, and exhibition stand designers
Facility Guidance: Includes intellectual property infringement, defamation, and breach of confidentiality.

Finance, Bookkeeping & Payroll Support

Strong Appetite
  • Certified bookkeepers and accounting technicians (ATI/AAT)
  • Outsourced payroll administration bureaus and accounts payable specialists
  • Contract finance directors, interim financial controllers, and analysts
  • Credit control services, billing bureaus, and cash flow modellers
  • Accounting software systems (Relay, Sage, Xero, QuickBooks) trainers
Facility Guidance: Non-audit / non-investment advice basis. Commercial Crime cover highly recommended.

Property & Real Estate Services

Strong Appetite
  • Residential estate agents and sales negotiators
  • Residential letting and rental management agencies
  • Residential property managers and block management operators
  • Rent-to-rent operators and corporate accommodation sourcing
  • Inventory clerks, check-in specialists, and BER assessors
Facility Guidance: Residential focus preferred. Commercial valuation or structural surveys referred for review.

Engineering & Technical Design

Consider / Referral
  • Mechanical, electrical (MEP), and HVAC building services engineers
  • Electronic, circuit design, automation, and control systems engineers
  • CAD/CAM draughtsmen, BIM coordinators, and technical illustrators
  • Environmental, renewable energy, solar PV, and acoustic engineers
  • Structural and civil engineering consultants (design only, no manual build)
  • Chemical process, fire safety, and geotechnical engineers (referred)
Facility Guidance: Design consultancy basis. Provide project fee split and contract values for rapid 4-hour review.

Technical Inspection & Coordination

Consider / Referral
  • Client-side construction project managers and client representatives
  • Clerk of works, building inspectors, and site QA monitors
  • Non-destructive testing (NDT) inspectors and materials testing
  • Marine surveyors (yacht, pleasure craft, and small vessels)
  • Quality control inspectors and plant commissioning engineers
Facility Guidance: Inspection / advisory basis without direct manual build or design and build warranties.

Office, Admin & Business Support

Strong Appetite
  • Virtual assistant bureaus and professional secretarial services
  • Audio typing, legal transcription, and medical transcription services
  • Contact centres, telephone answering services, and customer care desks
  • Data entry, document scanning, digital archiving, and records management
  • Corporate travel management and business itinerary planners
Facility Guidance: Fast online quote & bind. Full office combined packages available.

Transport, Removals & Logistics

Consider / Referral
  • Customs clearance agents and import/export documentation brokers
  • Freight forwarding documentation agencies (non-carrying intermediaries)
  • Supply chain optimisation and warehouse flow consultants
  • Vehicle transportation coordinators and car haulage brokers
  • Removals contracting and goods-in-transit packaging specialists
Facility Guidance: Check specific goods in transit, vehicle carriage, and warehousing values upon referral.

Commercial & Corporate Services

Strong Appetite
  • Arbitrators, mediators, and alternative dispute resolution specialists
  • Genealogists, probate researchers, and heir tracing agencies
  • Educational consultants and private tutoring agencies (non-residential)
  • Publishers, authors, technical documentation writers, and indexers
  • Commercial energy auditors and SEAI registered grant consultants
Facility Guidance: Instant quote & bind eligible. Standard policy wordings with broad professional definitions.

Outside Automated Facility Appetite

Bespoke Placement
  • Heavy manual construction, roofing, demolition, and scaffolding contractors
  • Asbestos removal, hazardous waste handling, and contaminated land remediation
  • Clinical medical malpractice (surgeons, doctors, dentists, clinical nurses)
  • Pharmaceutical and biotechnology manufacturing
  • Armed security, cash-in-transit, and close protection services
  • Offshore oil & gas, offshore wind installation, and subsea operations
  • Regulated investment advice, discretionary asset management, and DB pension transfers
Bespoke Market Assistance: Outside our automated digital facility. Contact our wholesale team directly for specialist London market or bespoke underwriting assistance.
Onboarding Journey

How to Trade with Cuffe & Co Wholesale

Our appointment process is transparent, efficient, and tailored exclusively to regulated Irish insurance intermediaries.

1

Complete Agency Application

Provide your firm's corporate, regulatory, PI coverage, and key personnel details via our secure online application form.

Complete Application →
2

Sign Wholesale TOBA

Review and execute our standard Wholesale Terms of Business Agreement, establishing contractual client ownership guarantees.

Review & Sign TOBA →
3

Approval & Facility Access

Upon verification of your CBI register entry, your wholesale agency account and Jove digital portal credentials are activated.

Target: 1–2 Business Days
4

Quote, Bind or Refer

Quote and bind standard risks online within minutes, or refer complex professional services cases directly to our underwriters.

Immediate Online Binding

To start trading with us, you need to complete both of the following:

Becoming an appointed broker requires both onboarding elements to be executed:

  • ☑ Agency Application Form
  • ☑ Signed Wholesale Terms of Business Agreement
Broker Partnership

Why Place Business Through Cuffe & Co Wholesale?

We work in true partnership with fellow Irish intermediaries. We want to work with other brokers, not compete with them for their clients.

🔒

100% Client Ownership Guarantee

Your clients remain exclusively your clients. Our Wholesale TOBA (Clauses 4.1 & 4.2) contains legally binding covenants guaranteeing complete non-solicitation, zero direct marketing, and zero cross-selling of any financial or insurance product.

Governed strictly by Section 4 of our Wholesale TOBA
📈

Specialist PI-Led Combined Capacity

Provide comprehensive coverage for complex professional services and commercial firms. Mandatory core Professional Indemnity with modular Public Liability, Employers' Liability, D&O, and Crime combined under one policy schedule.

Over 250 eligible trades; turnover up to €100m
⚡

Rapid 4-Hour Referral Turnaround

Instant digital quote and bind for standard business. Where a risk involves mixed activities, larger limits, or overseas contracts, our dedicated underwriting team targets a firm review response within four business hours.

Direct access to experienced underwriting decision-makers
💳

Direct Debit & Premium Financing

Help your clients manage cash flow with automated monthly Direct Debit facilities and flexible settlement terms, reducing your administrative workload and credit risk.

Straightforward monthly direct debit options for clients
🛡

Institutional 'A-' Rated Security

Underwritten by Accelerant Insurance Europe SA, rated ‘A-’ (Excellent) by AM Best, providing your clients with dependable financial strength, stability, and rigorous European regulatory governance.

NBB and FSMA regulated (Code 3193) · AM Best 'A-'
🛥

Professional European Claims Support

Claims are administered by Sedgwick through their European network, delivering responsive, knowledgeable, and objective claims handling when your clients need it most.

Local specialist claims settlement and defence coordination
Operating Structure

How the Facility Operates

A transparent, compliant structure connecting Irish retail brokers with institutional A-rated European capacity through proven digital infrastructure.

Client Ownership & Advice

Retail Broker

Advises the insured, gathers underwriting details, and manages the client relationship.

→
Wholesale Broker

Cuffe & Co Wholesale

Appoints the retail broker, manages the agency, and provides technical underwriting assistance.

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Digital Infrastructure

Jove Facility

Provides cloud quote-and-bind portal, automated rating, and instant policy generation.

→
Risk Carrier & Security

Accelerant Europe

A- rated insurer (AM Best) carrying underwriting risk under NBB & FSMA authorisation.

→
Claims Administration

Sedgwick Europe

Administers all notification, investigation, and settlement services across Europe.

Step 1 of Onboarding

Broker Agency Application Form

Apply for a wholesale trading facility with Cuffe & Company (Insurance) Ltd. Open to regulated Irish insurance intermediaries holding Central Bank authorisation.

✓ 1. Agency Application → 2. Sign Wholesale TOBA → 3. Approval → 4. Trade Online
ⓘ Restored your saved application draft from your browser.
1. Company
2. Contacts
3. Regulatory
4. PI Cover
5. Financials
6. Directors
7. Probity
8. Controls
9. Submit
Step 1 of 9 — Company Information

Section 1 — Company Information

✓ Draft saved locally

Section 2 — Key Contacts

Please provide contact details for key individuals within your brokerage.

Managing Director / Principal Officer *

Compliance Officer / PCF Holder *

Head of Commercial Broking / Placement

Finance / Accounts Contact *

Claims Contact

Section 3 — Regulatory Status

Section 4 — Professional Indemnity Insurance

Regulated intermediaries must maintain adequate Professional Indemnity insurance compliant with Central Bank requirements.

Section 5 — Trading & Financial Profile

Section 6 — Directors & Key Personnel

Please list the principal directors, partners, or officers who have executive authority.

Director / Principal 1 *

Director / Principal 2

Director / Principal 3

Section 7 — Probity, Sanctions & Financial Soundness

Please answer the following standard regulatory fit and proper questions regarding your firm and its principals.

Section 8 — Control Framework & IT

Confirmation of internal operating and governance standards.

Section 9 — Declarations & Submission

Formal Agency Declaration:

We hereby apply for an agency facility with Cuffe & Company (Insurance) Ltd. We declare that the statements and particulars contained in this application are true, accurate, and complete, and that no material facts have been suppressed or misstated.

We confirm that our firm is authorised by the Central Bank of Ireland as an insurance intermediary and that we hold adequate Professional Indemnity insurance compliant with statutory requirements.

We acknowledge that completion of this application form does not constitute an appointment or grant of authority until formal written acceptance has been issued by Cuffe & Company (Insurance) Ltd and our Wholesale Terms of Business Agreement has been duly executed.

✓ Agency Application Submitted Successfully

Thank you. Your broker agency application has been recorded in our underwriting system.

Application Reference Code:
CC-WHL-PENDING

NEXT STEP IN ONBOARDING:

To complete your appointment, please download, review, and sign our Wholesale Terms of Business Agreement (TOBA) below.

Proceed to Step 2: Wholesale TOBA →

A confirmation receipt and next steps have been sent to your primary contact email.

⚠ Step 2 of becoming an appointed broker: Review and sign the Cuffe & Co Wholesale Terms of Business Agreement.
Legal Framework & Sub-Broking Agreement

Wholesale Terms of Business Agreement (TOBA)

Our approved Intermediary Sub-Broking Agreement establishes the legal terms of our trading relationship, including contractual client ownership protections and non-solicitation covenants.

1. Download Agreement

Download our official execution-ready Wholesale TOBA document in PDF format.

Download TOBA (PDF) ↓

2. Review & Sign

Have an authorised principal officer or director execute the agreement signature page.

Digital or physical signatures accepted

3. Return Executed Copy

Email your signed agreement to our broker onboarding team at wholesale@cuffeco.ie.

Email Signed Agreement →
Complete Agreement Wording (Verbatim Text):

Terms of Business Agreement — Intermediary Sub-Broking Agreement authorising sub-broking activities in the non-life insurance sector.

Commencement Date: To be specified upon formal execution.

An Agreement governing the conduct of Insurance Business between:

(1) Cuffe & Company (Insurance) Ltd., a private company limited by shares registered in Ireland under company registration number 68472, whose registered office is at 10 King’s Terrace, Lower Glanmire Road, Cork, T23 PX45 (hereinafter called “the Wholesale Broker”); and

(2) [Retail Broker Legal Entity Name], a company registered in Ireland under company registration number [CRO Number], whose registered office is at [Registered Office Address] (hereinafter called “the Retail Broker”).

(collectively the “Parties” and each of them a “Party”)

Background Recitals:

A. The Wholesale Broker is regulated by the Central Bank of Ireland and distributes insurance policies to customers through certain insurance intermediaries in the broker channel.

B. The Retail Broker is regulated by the Central Bank of Ireland as an insurance intermediary.

C. The Wholesale Broker has agreed to appoint the Retail Broker to fulfil the sub-broking role contemplated by this Agreement and for this purpose grants to the Retail Broker the authority described in this Agreement for the distribution of insurance policies.

D. This Agreement documents the extent of the authority granted and documents the related rights and obligations of the Parties that arise therefrom.

NOW in consideration of the mutual covenants, conditions, agreements, warranties and payments hereafter set forth and provided for IT IS HEREBY COVENANTED AND AGREED by and between the parties hereto as follows.

4.1 Primacy of Client Relationship with Retail Broker
4.1.1
The Wholesale Broker will recognise and take cognisance of the special relationship existing between the Retail Broker and its Clients and will not do any act which will interfere with or damage the relationship existing between the Retail Broker and its Clients. The Wholesale Broker acknowledges that the Clients are clients of the Retail Broker and that those Clients do not become shared clients or Wholesale Broker clients by virtue of the operation of this Agreement.
4.1.2
The Wholesale Broker, recognising the special relationship between the Retail Broker and its Clients, will endeavour to do all within its power to promote and maintain that relationship.
4.2 Direct Marketing and Cross-Selling
4.2.1
The Wholesale Broker will not direct market Clients without the consent of the Retail Broker.
4.2.2
The Wholesale Broker will not itself or through a third party sell or cross sell to the Clients any product normally available in the broker market without the consent of the Retail Broker (such products to include inter alia life insurance, pensions, savings and investments, mortgages, health insurance, general insurance).
4.2.3
The Wholesale Broker will not disclose any Client Data or information of the Retail Broker to sales employees of the Wholesale Broker for direct or indirect sales or marketing purposes or for any purpose to other retail intermediaries.

Already Have an Active Wholesale Agency?

Appointed broker partners can submit risks immediately via the Jove online facility or email market presentation slips directly to our underwriting team.

Fast Turnaround Desk

Not Sure If a Risk Fits? Request a Quick Underwriting Review

Have an unusual trade, non-standard turnover split, or international contract exposure? Submit the summary details below and our senior underwriting team will provide a firm indication within four business hours.

Direct Wholesale Desk

Prefer to discuss the risk directly? Speak with John Cuffe or our commercial underwriting team.

Telephone: 021 450 0642
Wholesale Email: cuffe@cuffeco.ie
Office Address: 10 King’s Terrace, Lower Glanmire Road, Cork, T23 PX45
Underwriting Hours: Monday – Friday, 09:00 – 17:30
Meet the Market 2026: Meeting us at Meet the Market in Dublin? Ask us about agency setup and online facility access.

Regulatory Disclosures & Statutory Information

Cuffe & Company (Insurance) Ltd. is a private company limited by shares registered in Ireland (Company Registration No. 68472), whose registered office is at 10 King’s Terrace, Lower Glanmire Road, Cork, T23 PX45. Cuffe & Company (Insurance) Ltd. is regulated by the Central Bank of Ireland as an insurance intermediary under the European Union (Insurance Distribution) Regulations 2018. Member of Brokers Ireland.

Facility & Capacity Structure: The digital wholesale facility is powered by Jove. EU policies are administered by Jove EU, Unipessoal, Lda., registered with the Portuguese Insurance and Pension Funds Supervisory Authority (ASF) under registration number 423581775 and holding passporting rights to provide insurance distribution services throughout the European Economic Area under its ASF licence. The policies are underwritten by Accelerant Insurance Europe SA, authorized under code 3193 and regulated by the National Bank of Belgium (NBB) and the Financial Services and Markets Authority (FSMA). Company identification number 0758.632.842. Accelerant Insurance Europe SA is rated ‘A-’ (Excellent) by AM Best.

Claims Administration: Claims under this facility are administered by Sedgwick through its European network, providing professional local claims handling and settlement services.

Become an appointed broker: 1. Complete Application  |  2. Sign TOBA
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