Get a commercial insurance quote online

Looking for commercial insurance? GMIB has you covered. We provide a simple and easy way to get a business insurance quote online, so you can compare prices and find the best policy for your business. 

We offer competitive quotes on business insurance coverage, so you can get the protection you need at a price that fits your budget. Whether you're looking for liability insurance, property insurance, or any other type of commercial coverage, we can help you get the right policy for your business. 

GMIB offers one of the quickest and easiest ways to get a quote online. Protect your business with the right insurance policy by getting a quote from GMIB today.

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We’ll provide you with your own Relationship Manager

We can offer all classes of commercial insurance, including public liability, and we have access to all types of protective markets. We can find you the correct cover for your business requirements, which will protect you from future losses and allow you to continue trading with as little disruption as possible. You will also be provided with your own Relationship Manager who will be on hand to guide you throughout the process, and help you with any queries you might have along the way.

We deal with all the top commercial insurance companies

When you receive a quote from, you can rest assured that you’re getting a top-quality insurance product. Why? Because we compare quotes from all of Ireland’s leading providers to make sure you’re getting the perfect policy to suit your individual needs. Commercial insurance is vital for any Sole Trader, Partnerships or Ltd companies trading in Ireland. The right type of cover will ensure you and your business are protected in the event of a claim being made against you by employees, customers or a member of the public. It can be difficult for companies and individuals to anticipate where their business might be exposed in the event of an accident happening or a claim being made against them. Luckily, we’re here to help! We offer unbiased, impartial advice to steer you in the right direction.

Commercial Insurance in Ireland: Frequently Asked Questions

  • What types of property can I insure with my commercial insurance?

    Commercial buildings, contents and business interruption coverage. You can also insure against a variety of other risks, including equipment breakdown, loss or damage from fire, theft and malicious acts, as well as public liability insurance to protect you if someone is injured during your normal course of business operations. There are many different commercial property coverages available, so make sure to speak with an agent before purchasing any policy to ensure it's tailored for your unique needs.

  • What does my commercial building need?

    You'll want a minimum coverage limit of around €700k - €800k depending on what country you're located in if you own a single fit-out property (building). If this number sounds too high for your budget, don't worry! Most commercial property insurance policies offer increased cover limits for a small additional premium.

  • What are the benefits of commercial building coverage?

    Commercial building insurance provides you with financial protection if your business needs to rebuild or repair its physical structure after being damaged by something like fire, theft, vandalism, and more.


  • Do I need both contents and buildings insurance coverage?

    You don't necessarily need both, but they're often sold together as part of one package policy which is called either 'buildings and contents' or 'all-risks'. The decision depends on what type of risk profile you have in terms of the types/frequency/severity of risks that affect your day to day operations, so speak with an expert if this sounds confusing! You may find that contents insurance is all you need if your business doesn't have many valuable items on-site or if you only operate out of a home office.

  • What's the difference between public and product liability?

    Public liability protects your business in the event that someone is injured while on your premises, and it's proven that you were negligent. Product liability, on the other hand, covers you in case a customer is injured by using a product that you've sold them. This type of coverage is especially important for businesses that manufacture or sell products to the public as it can help protect you from costly lawsuits.


  • How much should I expect to pay for commercial insurance?

    The cost of commercial insurance will vary depending on a number of factors such as the type of policy you need, the location where your business is located and how long it's been in operation. The average commercial insurance cost for a medium-sized business with €800k - €900k worth of property falls between €450 - €550 a year, but this will vary depending on several different factors that influence pricing such as:

  • Type of industry & company size

    This one goes without saying! Insurance companies charge more to insure risky businesses like construction sites or manufacturing plants because they're considered higher risk clients than, say, an accounting firm who only has office space/office equipment which isn't very expensive to replace should something go wrong. In addition, if you own multiple properties or have employees working under your company name, then expect prices to rise accordingly.

  • Business location - types of risks present in the area

    It's not just about your company, but also where it operates! Insurance companies will charge you a premium depending on what type of risk profile is prevalent in the area surrounding your business which can include accident/crime rates as well as natural disasters such as flooding or earthquakes. If you operate out of an urban city centre, expect to pay more than someone with a rural postal code since cities are prone to higher crime and accidents rates. 


    Also, if there have been recent weather-related incidents nearby, this could affect premiums, too, so keep that in mind before signing any policy terms & conditions! Business duration

    The longer you've been operating under one name, the longer you've been operating under one name means increased chances for claims against your commercial insurance policy. Insurance companies don't like taking on new clients with a high-risk profile, so they'll often charge more your first few years of doing business in order to protect themselves against the increased chance that you may file an expensive claim down the line later on which affects their bottom line.


  • Do I need commercial insurance?

    If you have any type of physical property, or employees working for your company, then yes - it's absolutely necessary! Commercial building coverage protects your assets from various disasters, while public liability and product liability coverages are essential if someone is injured at work due to negligence on behalf of either yourself/your employee(s) or clientele who use products that were purchased through your company without being harmed as well.


    Without commercial insurance, you're playing with fire! This type of insurance is essential for any business, no matter how big or small and don't think that your home owner's policy can cover this either because it won't. As a commercial property owner, the liability risk on your shoulders without proper coverage could potentially sink your company, so make sure to speak with an insurance broker today about getting the right plan in place ASAP. It will be best to do this before something happens where you have to pay out-of-pocket, which will be much more costly than just protecting yourself from day one as part of good business practice.


  • What are some common types of commercial buildings & equipment?

    Common types include shops/stores/outlets, retail stores, offices, restaurants, warehouses, bars, workshops, factories, farms, and call centres.


    Some common types of commercial equipment include office equipment (computers, printers, phones), shop fittings/merchandise tools vehicles, restaurant kitchen appliances industrial machinery manufacturing equipment.


    These are some of the frequently asked questions when it comes to commercial insurance. If you have any more questions, feel free to send us a message!