Patrona Commercial Insurance Portfolio

Expansion of the Patrona Commercial Insurance Portfolio

Building on our commitment to bring more choice to the Irish insurance market, and add value for our customers, Patrona has introduced a range of Commercial Insurance products over the past six months. The guide below provides an overview of the portfolio.

Construction

Contractors Liability & Contractors All Risks

These products have just launched this month and are aimed at Building Contractors and Allied Tradesman, with a maximum turnover or contract works value of €3m.

Construction HGV

Construction HGV’s is designed specifically to cater for Building Contractors and Allied Tradesman with a single heavy goods vehicle being utilised for own goods use. Acceptable vehicles range from small tippers to artics’ with flatbed trailers used to carry own plant.

Flexi Special Types

Flexi Special Types is an established product, available via Applied System’s ComQuote with manual submissions required for policies with multiple machines. Third Party Property Damage Limit of €6.5m. is offered automatically and extra cover is available for up to 3 attachments or hired plant.

Motor Fleet

Fleet Risk Fix

Fleet Risk Fix offers a unique approach in assisting distressed risks. It focuses on the management of employee behaviour, reducing claims frequency, through tailored risk management programmes and the installation of camera telematics.

Transport Fleet

Transport Fleet is aimed at Haulage Contractors, Freight Forwarders and Logistics companies with an acceptable claims experience performance. Requires a minimum of five vehicles to qualify.

Flexi Fleet

Flexi Fleet is aimed at acceptable occupations where goods are carried on an Own Goods basis, or Class 2 use in the case of company cars. As few as two vehicles are required to qualify for Flexi Fleet quotation, and this may be a combination of Vans, Cars, or HGVs.

Logistics

Logistics Combined

Logistics Combined can be tailored specifically to your client’s needs. Target market is Hauliers, Freight Forwarders, Couriers, Warehousing and Logistics. We can provide cover for Buildings, Contents, Stock in Trade and Stock of Own Diesel, along with Combined Liability, all under one bespoke policy.

Logistics Motor

Single Vehicle Motor features automatic covers such as step back bonus protection, TPPD Limit of €6.5m, windscreen cover and a variety of driving options including open-driving. A minimum of three years proven driving experience and valid CPC licence is required.

Carriers Liability

Carriers Liability with conditions of carriage for IRHA/CMR or Full Responsibility available. Cover automatically included for pallets, ropes, sheets, toggles and dunnage, debris removal, personal effects of drivers, trailer curtains, errors and omissions.

Equestrian Wider Cover

Equestrian product suite providing cover for Equine Property, Employers, Public & Products Liability for occupations including Stud Farms, Race Horse Trainers, Eventing Arenas & Hunt Clubs. Personal Accident and Bloodstock including Sport Horse and Thoroughbred Mortality cover also available.

Equestrian

Rigid Motorised Horsebox

Rigid Horsebox Lorry cover is available via Applied Systems ComQuote. This product can cater for anything from a small two-horse rigid, up to the carriage of multiple horses, with extensions of cover for trips to the EU available on request. Open driving automatically offered for drivers 23 to 70 years of age with a full appropriate licence.