Commission Arrangements

We, Gallivan Murphy Insurances Brokers Limited act as Broker between you, the consumer, and the product provider with whom we place your business.

The Background

Pursuant to Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025 (Section 17A) (Standards for Business) Regulations 2025, all Brokers, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the Broker which it has agreed with its product producers.

What is Commission?

For the purpose of this document, commission is the payment earned by the Broker for work undertaken on behalf of both the provider and the consumer. The amount of commission is generally directly related to the quantity or value of the products sold.

We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider. Our Brokerage commission options are displayed as a range, showing the maximum amount which can be received. The level of commission depends on individual circumstances, based on the following factors:

  • Client segmentation
  • Adviser discretion
  • Competitive pressures
  • Investment/pensions/saving size
  • Schemes size
  • Term/timeline of a policy or service
  • Complexity of advice
  • Preferential terms in the market, available to a Brokerage & client at the time

There are different types of commission models:

Single commission model: Where payment is made to the Broker shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed.
Recurring commission model: For Pensions, Savings & Investments recurring commission refers to further payments at intervals that are paid throughout the life span of the product & may be based on a percentage of the value of the fund or the annual premium.

For Protection products recurring commissions refers to further payments at intervals that are paid throughout the life span of the product & are based of the annual premium.
Indemnity commission: Indemnity commission is the term used to describe a commission payment made before the commission is deemed to be 'earned'. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned.

Other forms of indemnity commission are advances of commission for future sales granted to Brokers in order to assist with set up costs or business development.

General Insurance Products

General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.

Profit Share Arrangements

In some cases, the Broker may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client's behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client's requirements, taking all the client's relevant information, demands and needs into account.

Clawback

Clawback is an obligation on the Broker to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be 'earned' until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the Broker must return commission to the product producer.

Fees

The firm may also be remunerated by fee by the product producer such as policy fee, admin fee, and other arrangements.

Please Note

The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum our Brokerage will take and is subject to change, in certain cases our Brokerage may take a different remuneration than the enclosed percentages/amounts. This will be disclosed to each client as per the Central Bank Consumer Protection Code regulations, on a client by client basis.

Other Fees, Administrative Costs/Non-Monetary Benefits

The firm may also be in receipt of non-monetary benefits such as:

  • Attendance at product provider seminars
  • Assistance with Advertising/Branding

Further detail on the providers we work with, the products we sell and the maximum commissions available to us are outlined below.

Company Policy Type Commission %
360 Degree Underwriting DAC C.A.R. Annual 15.00
Acasta Europe Ltd Private Motor 5.00
Accelerant Insurance Limited Commercial Motor 7.50
Employers Liability 15.00
Private Motor 5.00
Public Liability 16.00
Ace Insurance Company Private Motor 5.00
Travel 20.00
Accredited Insurance (Europe) Ltd Private Motor 5.00
Advent Risk Management Ltd Private Motor 5.00
AIG Europe Limited Apartment Block 15.00
Shop Combined 20.00
Shop Scheme 17.50
Property A.R. 20.00
Goods in Transit 15.00
Private Motor 10.00
MTIR 22.50
Liability Carrier 15.00
Personal Accident 20.00
Office 20.00
Marine 15.00
Exhibition 10.00
Aiken & Company (Insurances) Ltd Excess 10.00
Professional Indemnity 10.00
Private Motor 5.00
Property Owners Liability 10.00
Arthur J. Gallagher AD Fire & Theft Inspection 12.50
Pub Policy 15.00
AD Fire & Theft 12.50
All Risk 20.00
Allied World Insurance Company Carriers Liability 15.00
Excess 20.00
C.A.R. Annual 15.00
Private Motor 5.00
Allianz Insurance Ireland PLC Commercial Motor 12.00
Employers Liability & Public Liability Hotelier 20.00
Employers Liability & Public Liability 15.00
Fire & Perils 15.00
C.A.R. Annual 20.00
Home 18.00
Rented Property 12.50
Holiday Home 20.00
Private Motor 12.00
Special Types 5.00
Motor Cycle 5.00
AD Fire & Theft 15.00
Marine 5.00
Motor Trade 5.00
Computer 15.00
Public Liability 10.00
Warehouse Liability 20.00
Personal Accident 5.00
Marine Liability 15.50
AMB Private Motor 5.00
M.T.I.R. 17.05
Ambris Align Employers Liability 12.50
Employers Liability/Public Liability 10.00
Excess 10.00
Property Owner Liability 12.50
Angel Risk Management Cyber Liability 25.00
Directors & Officers Liability 15.00
Aon MacDonagh Boland Employers Liability 15.00
Public Liability 5.00
Assured Partners London Directors & Officers Liability 15.00
Excess 12.00
ARA Hoteliers 10.00
Shop Scheme 12.50
Home 15.00
Home Scheme 20.00
Private Motor 5.00
M.T.I.R. 10.00
Property Owner Liability 10.00
Warehouse Liability 10.00
Arachas Corporate Brokers Ltd Apartment Block 17.50
Shop Combined 7.50
Home 20.00
Private Motor 10.00
AD Fire & Theft 12.50
Motor Fleet 5.00
Property Owner Liability 10.00
Property & Business Interruption 15.00
Arag Legal Protection Limited Commercial Motor 10.00
Home 15.00
Private Motor 10.00
ARB Underwriting Ltd Commercial Motor 5.00
Bond 5.00
Employers Liability/Public Liability 15.00
Home 15.00
Private Motor 7.50
Forklift 5.00
Public Liability 15.00
Property Owner Liability 15.00
Health Insurance 10.00
ARC INTERNATIONAL Public Liability 12.50
Arc Legal Assistance Ltd Pharmacy Legal Exp 30.00
Property Unoccupied 30.00
Arch Insurance (EU) Dac Combined 15.00
Private Motor 5.00
Truck 5.00
Assess Ireland Property Owner Liability 10.00
ASG Private Motor 7.00
Aston Lark Professional Indemnity 20.00
Atradius Private Motor 5.00
Autoline Insurance Group Automotive 5.00
Classic Car 5.00
Commercial Motor 5.00
Private Motor 5.00
Aviva Insurance Ireland DAC Apartment Block 15.00
Pub Policy 15.00
Combined 15.00
Shop Scheme 15.00
Contents 17.50
Commercial Motor 10.00
Bond 10.00
Directors & Officers Liability/Employers Liability 25.00
Employers Liability 20.00
Employers Liability/Public Liability 20.00
Fire Only 12.50
Loss of Profits 10.00
Goods in Transit 15.00
Guesthouse 20.00
Home 20.00
Rented Property 20.00
Health 6.00
Lost Shared Indemnity 10.00
Private Motor 15.00
Tractor 5.00
Motor Cycle 5.00
Hackney 5.00
Commercial Motor 5.00
Marine 15.00
Agricultural Motor 5.00
Engineering 15.00
All Risks 15.00
Computer 15.00
Farm Policy 15.00
M.T.I.R 5.00
Public Liability 10.00
Property Owners Liability 24.00
Personal Accident 15.00
Office 23.00
Special Types Fleet 10.00
Travel 20.00
Axa Insurance Dac Aviation 15.00
Apartment Block 20.00
Combined 20.00
Commercial Motor 10.00
Employers Liability/Public Liability 20.00
Excess 10.00
Loss of Profits 17.50
Home 20.00
Home Scheme 15.00
Rented Property 20.00
Professional Indemnity 20.00
Private Motor 10.00
Forklift 10.00
Motor Cycle 5.00
Hackney 5.00
Motor Fleet 12.50
Marine 32.50
Farm Policy 16.00
Property Owners Liability 20.00
Property & Business Interruption 20.00
Marine Yacht 15.00
Truck 10.00
Taxi 5.00
Benchmark - RSA Insurance Ireland Combined 15.00
Holiday Home 15.00
Private Motor 10.00
Office 15.00
Blackrock Insurance Solutions Ltd Employers Liability/Public Liability 10.00
Blue Insurance Private Motor 5.00
Self-Build 15.00
Travel 25.00
Bump Insurance Loss of Profits 17.50
BMU Home 15.00
Liability 15.00
Broker Options Private Motor 5.00
Excess Professional Indemnity 15.00
Brady Underwriting Hoteliers 10.00
Employers Liability/Public Liability 10.00
Public Liability 10.00
Products Liability 10.00
Personal Accident 10.00
BRO Hoteliers 15.00
Shop Scheme 15.00
Motor Trade 15.00
Brokers Quill Truck 10.00
Bluesquare Underwriting Ltd Combined 20.00
Employers Liability/Public Liability 17.50
Motor Fleet 12.50
Self-Build 15.00
Broker Support Services Breakdown 10.00
Pub Policy 11.00
Goods in Transit 45.00
Home 10.00
BSU Ireland Pub Policy 15.00
Employers Liability/Public Liability 17.50
Public Liability 10.00
Property Owner Liability 17.50
Travel 15.00
Catalpa Underwriting Ltd Carriers Liability 20.00
Commercial Motor 7.50
Trailer 15.00
Carriers Liability 20.00
Capital Insurance Brokers Aviation 7.50
Apartment Block 17.50
Caravan 15.00
Hoteliers 10.00
Pub Policy 10.00
Combined 12.50
Shop Scheme 12.50
Commercial Legal Expenses 15.00
Employers Liability/Public Liability 12.50
Fire 10.00
Home 15.00
Home Scheme 15.00
Home Protection 15.00
Rented Property 15.00
Professional Indemnity 12.50
Private Motor 5.00
Motor Trade 12.50
Caravan 20.00
All Risks 12.50
Farm Policy 10.00
Mobile Home 10.00
Motor Trade 10.00
Click For Cover Underwriting Ltd Combined 20.00
Employers Liability/Public Liability 10.00
Chubb Insurance Company Private Motor 5.00
Directors & Officers Liability 10.00
Personal Accident 20.00
Travel 20.00
Optis (Citynet) Employers Liability/Public Liability Hotelier 10.00
C.A.R. Annual 10.00
Home 10.00
Professional Indemnity 10.00
Private Motor 12.00
AD Fire & Theft 10.00
Motor Fleet 6.50
Public Liability 15.00
CITY Hoteliers 5.00
Property Owner Liability 10.00
Liability/Carrier 5.00
CNA Insurance Company Europe SA Combined 17.50
Cosmeticinsure 30.00
Pharmacy PI 30.00
Property Unoccupied 30.00
Contessa Ltd Contents 15.00
Property 12.50
COBRA London Markets Limited Combined 12.50
Corporate Underwriting Commercial Motor 18.78
Trailer 15.00
Marine 15.00
Public Liability 15.00
Carriers Liability 20.00
Marine G.I.T. 18.78
Consilium an Aventum Group Employers Liability/Public Liability 10.00
Cover Centre - Zurich Insurance plc Carriers Liability 10.00
Commercial Motor 9.00
Home 15.00
Home Scheme 15.00
Home Protection 15.00
Rented Property 15.00
Holiday Home 15.00
Private Motor 5.00
Caravan 15.00
Mobile Home 10.00
Close Brothers Commercial HCCA 7.00
CRA Commercial Motor 10.00
Home 15.00
Crash Services Commercial Motor 10.00
Private Motor 5.00
Robertson Low Insurances Ltd Professional Indemnity 7.50
Cullinane Twomey Commercial Motor 5.00
DAS Legal Expense Insurance Company Commercial 15.00
Home 20.00
Private Motor 10.00
DeCare Dental Insurance Ireland Health Insurance 10.50
Dexco Insurance Employers Liability/Public Liability 15.00
Excess 15.00
Dolmen Insurance Hoteliers 10.00
Combined 15.00
Fire Only 15.00
Home 15.00
Home Scheme 15.00
Rented Property 10.00
Holiday Home 15.00
Malpractice 20.00
Motor Trade 15.00
Products Liability 15.00
Property Owner Liability 10.00
Liability/Carrier 10.00
DOMI Motor Trade 15.00
Marine Liability 5.00
Dual Underwriting Ltd Home 10.00
Professional Indemnity 20.00
Private Motor 10.00
Ecclesiastical Insurance Home 12.50
Property & Business Interruption 15.00
Ergo Versicherung AG Employers Liability/Public Liability 10.00
Euromarine Insurance Services Ltd Marine Liability 9.30
Europa General Insurance Co LTD Commercial Motor 5.00
Home 20.00
Private Motor 5.00
Motor Fleet 8.00
Engineering 15.00
Everest (Blue Square) Hoteliers 15.00
Combined 17.50
Shop Scheme 17.50
Employers Liability/Public Liability 15.00
C.A.R. Annual 15.00
Home 17.50
Self-Build 15.00
Public Liability 17.50
Prop Owner Liability 17.50
Special Types 5.00
Everest Global Hoteliers 15.00
Employers Liability/Public Liability 15.00
Public Liability 15.00
Property Owner Liability 17.50
Excella MGA Apartment Block 22.50
Property Owner Liability 22.50
Fastnet Underwriting Limited Private Motor 5.00
FBD Insurance Hoteliers 15.00
Employers Liability 20.00
Guesthouse 20.00
Private Motor 10.00
Motor Trade 15.00
Public Liability/Products Liability 15.00
Property & Business Interruption 20.00
Fingal Insurance Brokers Ltd Combined 10.00
Public Liability 10.00
Special Types 5.00
Finsure Insurance Commercial Motor 10.00
Home 12.00
Private Motor 5.00
Frost Insurances t/a Frost Underwriting Legal Expenses 15.00
Hoteliers 15.00
Combined 15.00
Shop Scheme 15.00
Contents 15.00
Employers Liability 10.00
Fire Only 15.00
Fire and Perils 10.00
Home 20.00
Home Scheme 15.00
Rented Property 15.00
Holiday Home 15.00
Private Motor 5.00
Surgery 15.00
Treatment Risk 10.00
GJIS Europe Limited Shop Combined 5.00
Hickey Clarke Langan - Lloyds Insurance Fire Only 20.00
Home 10.00
Aviva Health Health 6.00
Hiscox Underwriting Ltd Directors & Officers Liability EL/PL 17.50
Home 20.00
Malpractice 25.00
Motor Trade 18.00
Excess Liability 17.50
Directors & Officers Liability 20.00
Property Liability 17.50
Excess 17.50
Office 17.55
HSB Engineering Ltd Home 15.00
Inspection 17.50
Private Motor 10.00
Special Types 5.00
AD Fire & Theft 15.00
Irish Engineering Services Inspection 15.00
Integrity Underwriting Combined 15.00
Employers Liability/Public Liability 15.00
Property Owners Liability 20.00
IPOR Underwriting Combined 15.00
Employers Liability/Public Liability 15.00
Property Owner Liability 20.00
Hoteliers 10.00
Motor Trade 17.50
Liability Carrier 17.50
Surgery 5.00
Isure Underwriting Apartment Block 20.00
Combined 17.50
Employers Liability/Public Liability 15.00
Home 15.00
Private Motor 5.00
Farm Policy 15.00
Self-Build 10.00
Excess Liability 15.00
Trades Liability 15.00
Ivernia Insurance Home 17.50
Private Motor 8.00
JRP Underwriting Ltd Property Occupied 30.00
Thatched Property 30.00
Property Unoccupied 30.00
KBIS Insurance Home 17.50
Private Motor 10.00
KEN Hoteliers 5.00
Shop Scheme 5.00
Commercial Motor 5.00
Home 10.00
Home Scheme 10.00
Private Motor 5.00
Forklift 5.00
Motor Trade 5.00
Kennco Underwriting Ltd Combined 15.00
Commercial Motor 5.00
Directors & Officers Liability EPL 15.00
Employers Liability 15.00
Guesthouse 15.00
Home 15.00
Rented Property 10.00
Professional Indemnity 10.00
Private Motor 10.00
Excess Liability 15.00
Directors & Officers Liability 15.00
Taxi Fleet 5.00
Kidd Insurances Caravan 10.00
Breakdown Assist 7.50
Carriers Liability 10.00
Fire and Perils 10.00
Home 10.00
Home Scheme 10.00
Holiday Home 15.00
Private Motor 15.00
Mobile Home 20.00
Kindlon Insurance Group Home 15.00
Mobile Home 10.00
RedClick Commercial Motor 12.00
Home 22.00
Home Scheme 5.00
Private Motor 12.00
Property Liability and Business Interruption 17.50
Special Types 10.00
Taxi 8.00
Lime Insurance Combined 10.00
Commercial Motor 10.00
Employers Liability/Public Liability 12.50
Home 15.00
Private Motor 11.00
Property Owner Liability 15.00
Lloyd's Insurance Company S.A Home 10.00
Professional Indemnity 10.00
Special Types 10.00
Marsh Ireland Brokers Ltd Public Liability 10.00
MGB Insurance Brokers Ltd Professional Indemnity 10.00
Directors & Officers Liability 15.00
Motor Insurance Services Commercial Motor 10.00
Home 20.00
Private Motor 5.00
Travel 25.00
MIS Excess Caravan 35.00
Commercial Motor 5.00
Private 5.00
Munich Re Risk Solutions Ireland Ltd Carriers Liability 20.00
Employers Liability/Public Liability 15.00
C.A.R. 20.00
NBS Underwriting Pub Policy 18.00
Combined 18.00
Employers Liability/Public Liability 18.00
Private Motor 5.00
Self-Build 18.00
Public Liability 18.00
NBS Ireland Property Occupied 30.00
NBS Ireland All Sports 22.50
Nexus Combined 15.00
Bond 15.00
Employers Liability/Public Liability 15.00
NFP Commercial Insurance Solutions Irl Property A.R. 5.00
Professional Indemnity 10.00
OBF Insurance Group Home 10.00
Caravan 10.00
Mobile Home 8.75
Assured Partners Fire and Perils 10.00
Public Liability 15.00
Property Owner Liability 15.00
Octane Commercial Motor 10.00
Private Motor 10.00
ODON Hoteliers 10.00
Home 10.00
Home Scheme 7.50
Motor Trade 10.00
Public Liability/Products Liability 10.00
Surgery 5.00
Optis Insurance Hoteliers 15.00
Commercial Motor 5.00
Employers Liability 15.00
Employers Liability/Public Liability 15.00
Home 10.00
Professional Indemnity 20.00
Private Motor 5.00
All Risks 15.00
Property Owner Liability 17.50
Liability/Carrier 5.00
Product Recall 15.00
Property & Business Interruption 15.00
Personal Accident & Public Liability 15.00
Surgery 12.00
Trades Liability 15.00
Ornella Underwriting Ltd Money 5.00
Hoteliers 5.00
Pub Policy 10.00
Commercial Motor 10.00
Employers Liability/Public Liability 10.00
Home 15.00
Home Scheme 15.00
Rented Property 15.00
Private Motor 10.00
Forklift 7.50
Motor Cycle 10.00
AD Fire & Theft 5.00
Trailer 15.00
Engineering 10.00
Livestock 7.50
All Risks 5.00
Motor Trade 15.00
Truck 20.00
Truck Policy 15.00
Precision Underwriting Commercial Motor 7.50
Employers Liability/Public Liability 15.00
Professional Indemnity 15.00
Private Motor 10.00
Engineering 15.00
Premium Credit HCCA 10.00
Prestige Underwriting Commercial Motor 10.00
Employers Liability 10.00
Home 15.00
Private Motor 10.00
Motor Trade 10.00
Public Liability 10.00
PSC Insurance Europe Ltd Employers Liability/Public Liability 5.00
Private Motor 10.00
QBE Insurance (Europe) Ltd t/a QBE Ireland Hackney 8.00
Directors & Officers Liability 20.00
Taxi 7.50
Arch Insurance (EU) Dac Commercial Motor 10.00
Private Motor 5.00
Robertson Low Insurances Ltd Combined 10.00
Carriers Liability 10.00
Cyber Liability 12.00
Employers Liability/Public Liability 10.00
Lonmar Global Risks Limited Combined 17.50
Accidental Damage 10.00
Marine 10.00
Intact Insurance DAC Breakdown 10.00
Hoteliers 10.00
Combined 20.00
Carriers Liability 20.00
Contents 15.00
Commercial Motor 12.00
Fire Only 15.00
C.A.R. Annual 15.00
Goods in Transit 15.00
Guesthouse 20.00
Home 20.00
Rented Property 20.00
Private Motor 10.00
Marine 15.00
Property & Business Interruption 12.50
Special Types 10.00
Securus Combined 10.00
Classic Car 5.00
Fire Only 15.00
Fire and Perils 15.00
Home 14.50
Professional Indemnity 20.00
Private Motor 5.00
Prop Owner Liability 15.00
Sertus – Intact Insurance DAC Commercial Motor 12.00
Private Motor 10.00
Thomond Insurance Co. Ltd Public Liability 15.00
Travelers Hoteliers 17.00
Cyber Liability 17.50
Employers Liability/Public Liability 15.00
E&O Liability 15.00
Private Motor 5.00
Trustee Liability 20.00
Office 15.00
The Underwriting Exchange Fire and Perils 12.50
C.A.R. One Off 7.50
Jarvey 10.00
Public Liability/Products 10.00
Combined Traders 10.00
Property Occupied 30.00
Tysers Ireland Ltd Carriers Liability 20.00
Excess 14.00
Professional Indemnity 18.00
Trailer 15.00
Carriers Liability 18.00
Marine 25.00
Wakam Commercial Motor 10.00
Private Motor 5.00
Truck Policy 10.00
Willis Insurance Brokers Ltd Apartment Block 18.00
Bus/Coach 10.00
Combined 15.00
Commercial Motor 10.00
Private Motor 10.00
Special Types 10.00
Forklift 5.00
Tractor 5.00
AD Fire & Theft 10.00
Motor Fleet 10.00
Private Motor 5.00
Motor Trade 5.00
Worldwide Insurance Brokers Commercial Motor 10.00
Home 20.00
Private Motor 5.00
Truck 10.00
Motor Fleet 5.00
W R.Berkley Insurance (Europe), Limited Professional Indemnity 20.00
Private Motor 20.00
Motor Fleet 5.00
Truck 10.00
Wrightway Underwriting Ltd Breakdown Assist 5.00
Hoteliers 5.00
Carriers Liability 10.00
Commercial Motor 5.00
Home 17.50
Home Protection 10.00
Private Motor 5.00
Motor Cycle 5.00
Agricultural Motor 5.00
Special Types TPO 5.00
Special Types Fleet 5.00
Truck 5.00
XL Insurance Company Professional Indemnity 20.00
Private Motor 5.00
Yachtsman Euromarine Rowing Club 10.00
Zurich Insurance PLC Hoteliers 15.00
Shop Combined 15.00
Shop Scheme 15.00
Camper Van 8.00
Commercial Motor 10.00
Fire Only 15.00
Loss of Profits 12.50
Book Debts 12.50
C.A.R. One Off 5.00
C.A.R. Annual 15.00
Goods in Transit 15.00
Guesthouse 20.00
Home 20.00
Home Scheme 20.00
Rented Property 20.00
Private Motor 10.00
Special Types 5.00
Marine 17.75
Agricultural Motor 5.00
Motor Trade 15.00
Farm Policy 15.00
Self-Build 15.00
Public Liability 10.00
Property Owners Liability 15.00
Excess PI 15.00
Plant All Risks 15.00
Surgery 20.00
Marine Liability 5.00
Marine 15.00
Special Types Fleet 5.00
Exhibition 15.00