Overview
iSure Underwriting is Rokstone’s specialist SME underwriting unit, focused on delivering simple, accessible and efficient cover for businesses across Ireland. Regulated by the Central Bank of Ireland, we offer a wide product range, from tradesman and shop cover to property owners and commercial combined. With appetite for over 700 trades, we work exclusively with trusted broking partners who know what good business looks like. At iSure, expertise meets innovation, powered by people and enhanced by smart technology.
Regions covered
Ireland
Products
Choose a product:
Commercial Combined
Overview
Built for businesses that need robust, flexible protection with service they can rely on, our focus is on property-led, Ireland-domiciled commercial risks. We target low to medium hazard risks and work with brokers to build sustainable, long-term accounts. With a 24-hour quote turnaround, our appetite spans c.700 trades with comprehensive cover options ensuring our clients are fully protected.
Risk Appetite
We cover a broad range of commercial sectors, giving brokers the flexibility to place diverse and specialist risks with confidence. Cover for c.700 trades, including;
- Light engineering risks
- Hardwares
- Printers
- Metalworkers
- Manufacturing
- Wholesalers
- Food and drink
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- EUR 15m sum insured in any one location
- Optional legal expenses cover
- BI Exhibition cover - EUR 10,000 any one period
- Goods in transit and money cover as standard
- Replacement of locks and keys – EUR 5,000 any one claim
- 30% increase in sum insured in November, December and Easter Bank Holiday
- Property temporarily removed – 20% of the sum insured
- Contents temporarily removed – 20% of the sum insured
- Fire brigade charges up to EUR 50,000
- Contents whilst at exhibitions – EUR 50,000 any one period
- Cost of repairing damage to underground cables and pipes – EUR 25,000
- Trace and access – EUR 25,000
- Removal of debris - EUR 25,000
- Accidental breakage of fixed glass
- Money and assault
- Goods in transit
- Business interruption
The following flexible covers can all be added to a policy, if required:
- Computer breakdown
- Frozen food
- All risks to specified equipment
Product manager
Contractors
Overview
Our Contractors product is designed for the realities of the trade sector, offering tailored protection across 50 different trades. Focused on Ireland-domiciled, low to medium hazard risks, our goal is to help brokers build sustainable, long-term accounts. We make placing cover simple, with same-day quote turnaround, instant online quotes and referrals processed within the same working day.
Risk Appetite
We support a wide range of contracting trades with flexible solutions that scale to fit specialist requirements, such as:
- Building contractors
- Bricklayers
- Carpenters (ex-Fixed WWM)
- Plasterers
- Painters and Decorators
- Carpet fitters
- Computer service engineers
- Landscape contractors
Coverage and Limits
- Wage-roll up to EUR 1,500,000 for employees & LOSC undertaking manual work
- Turnover up to EUR 10m
- BFSC up to 50% of annual turnover
- Inclusion of project supervisor at construction stage where required
- Spray drift cover for painters
- 25m height limit on most trades
- 5m depth limit
- Standalone Roofing cover for Building Contractors where such works account for no more than 10% of their annual turnover and with a contract limit of up to EUR 10,000
- Contractors All Risks
- No inner limit in respect of Hot Works under PL
- Contract Works – up to EUR 2.5m
- Own Plant – up to EUR 100,000
- Hired in Plant – up to EUR 150,000
- Tools – up to EUR 25,000
Product manager
Excess of Loss
Overview
Built to give brokers flexible solutions across a wide range of commercial sectors, Excess of Loss offers same-day turnaround, instant online quotes and minimal referrals. We cater to over 125 trades, offering flexibility across excess layers and attachment points. Our adaptability, offering both annual and short-term policies, ensures brokers can secure the right protection for clients, whatever their needs.
Risk Appetite
Broad protection with scalable excess layers and cover limits to suit diverse requirements.
- Over 125 different trades
- Construction
- Engineering
- Manufacturing
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- Turnover of up to EUR 50m (Public / Products Liability)
- No more than 100 employees operating at any one location (Employers’ Liability)
- Attachment points for Public / Products Liability Excess Layers starting at EUR 2.6m
- Employers’ Liability Excess Layers have an attachment point of EUR 13m
- Excess Layers of up to EUR 6.5m available for Public / Products Liability
- Excess Layers of EUR 7m and EUR 13m available for Employers’ Liability
Product manager
Lewis Phillips
Technical Portfolio Underwriter, iSure Underwriting
iFarm Ireland
Overview
iFarm Ireland delivers specialist farm insurance built for the unique needs of the Irish market. Available to a select panel of brokers, it combines comprehensive cover with the flexibility to trade online or work directly with our expert underwriters for larger or more complex risks. Whether straightforward or multi-use, we provide tailored protection that keeps pace with modern farming.
Risk Appetite
- Dairy
- Beef
- Sheep
- Arable
- Lessor of land for agricultural purposes
- Property owners
- Non-intensive poultry/pigs
Coverage and Limits
We typically offer cover for the following sections. Speak to our team for any further assistance.
- Home - up to EUR 2,300,000 any one home
- Agricultural Buildings - up to EUR 3,000,000
- Working Dogs - up to EUR 6,000
- Environmental Liability – Options for EUR 1.3m or EUR 2.6m Limit of Indemnity
- Public / Products Liability - EUR 6.5m limit of indemnity
- Loss of Money and Assault - up to EUR 50,000
- Business Interruption - EUR 1,000,000+
- Commercial Legal Expenses - up to EUR 100,000
- Property Owners - up to EUR 2.3m Residential and Commercial
- Cover for fuel in tanks, up to EUR 7,500
- Livestock - up to EUR 750,000 (EUR 5,000 single animal limit)
- Automatic 25% uplift on building sum insured
- All Risks Specified Equipment - EUR 250,000 Total Sum Insured
- Farm Property in Transit - up to EUR 50,000
- Personal Accident & Illness - Death/PTD EUR 50,000. EUR 750 weekly (illness)
- Motor - Maximum value: Commercial vehicles i.e. jeeps - EUR 60,000. Agricultural vehicles - EUR 250,000
- Automatic cover for implements/trailers/attachments valued up to EUR 25,000
Product manager
Professional Indemnity
Overview
Built for today’s professionals, delivering comprehenisve cover for individuals and businesses across a wide range of trades in Ireland. With Irish-based A-rated capacity and local claims handling, we combine security with service that’s tailored to the Irish market. Backed by expert underwriters with over 20 years of experience, PI from iSure is a responsive, adaptable solution designed to protect professional reputations.
Risk Appetite
Broad professional trades, with flexibility to meet both primary and excess layer needs.
- Architects
- Accountants
- Design and Construction
- Engineers
- Insurance Brokers (Non-IFA)
- Marketing and Media
- Miscellaneous
- Property Professionals (Surveyors, Estate Agents, Auctioneers etc)
- Publishers and Broadcasters
- Technology
Coverage and Limits
Comprehensive coverage available on a primary and excess basis.
- Civil Liability Basis
- Any One Claim (for majority of risks)
- Defence Costs in Addition (Other Than Aggregate Basis)
- Primary Limit to EUR 2,500,000
- Excess Layer Limit to EUR 5,000,000 (Attaching as Low as EUR 1,000,000)
- Fire Safety Cover Available
- Document Review Service (Contracts, Collateral Warranties etc.)
Product manager
Property Owners
Overview
Our Property Owners product provides comprehensive protection for both commercial and residential properties owned by the policyholder and occupied by third parties. Focused on a low-to-medium hazard, Ireland-domiciled portfolio, quotes are available instantly, making trading fast and straightforward. With competitive commissions, optional cover extensions, and an expert underwriting team, brokers can deliver tailored solutions with confidence.
Risk Appetite
Over 700 tenant occupations available for commercial / residential properties, including:
- Apartment blocks
- Buy to let properties
- Holiday Homes
- Retail units
- Offices
- Manufacturing Units
- Warehouses
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- Up to EUR 15m total sum insured any one location
- All Risks cover
- Landlords' contents automatically included to EUR 25,000 with higher limits available
- Up to 25% Loss of Rent included as standard with option to increase
- Legal expenses up to EUR 50,000
- Fire brigade charges at EUR 50,000
- Property temporarily removed, 20% of the Sum Insured
- Replacement of locks & keys EUR 3,000
- Trace and access EUR 25,000
- Malicious damage by tenants EUR 20,000
- Fly tipping EUR 5,000
- Eviction of squatters 5,000
- Loss of metered utilities charges EUR 25,000
- Employers’ Liability included – wages EUR 5,000
Product manager
Shop
Overview
Delivering tailored protection for Ireland-domiciled retail businesses, focusing on low-hazard risks, we cover turnovers and total sums insured up to €5m, with larger or more complex risks considered under our Commercial Combined product. Flexible options are available for both single-site and multi-location portfolios, with cover extending across more than 170 retail trades, giving clients the confidence that their business is fully protected.
Risk Appetite
Low hazard, Ireland-domiciled retail businesses across a wide range of trades, including:
- Barbers
- Bookshops
- Clothing
- Florists
- Gift Shops
- Hairdressers
- Health Foods
- Newsagents and Sandwich Shops
- Photo Processing and Printing
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- All Risks cover as standard
- Single or multi-location portfolios (up to 5 risk addresses)
- Treatment risk for hairdressers
- 30% seasonal increase
- Goods in Transit EUR 10,000
- Exhibition cover
- Computer equipment
- Damage to cash registers and scales
- Money cover EUR 10,000
- Business Interruption (EUR 750,000)
- Coffee shops where Deep Fat Frying accounts for no more than 5% of the business turnover
The following flexible covers can all be added to a policy if required.
- Household Contents
Product manager
Tradesman
Overview
Tailored protection for a broad spectrum of trades and professions, with enhanced excess discounts, block transfer and scheme options available. We focus on well-managed, suitably rated risks with strong health and safety practices and proven industry experience. With same-day quote turnaround, instant online quotes and rapid referral handling, brokers benefit from speed and ease of trading.
Risk Appetite
Cover for over 300 manual and non-manual trades and professions with a strong risk management track record.
- Accountants
- Bricklayers
- Builders
- Carpenters
- Consultants
- Music teachers
- Painters
- Plasterers
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- Up to 8 employees (including Directors) undertaking manual work
- Payments up to EUR 125,000 for temporary employees/LOSC undertaking manual work
- BFSC up to 50% of annual turnover. Payments to BFSC accounting for up to 30% of annual turnover are included free of charge
- Contractors All Risks
- Contract Works – up to EUR 750,000
- Own Plant – up to EUR 50,000
- Hired in Plant – up to EUR 50,000
- Tools – up to EUR 20,000
- Specified All Risks cover (optional)
- Standalone Roofing cover for building contractors where such works account for no more than 10% of their annual turnover and with a contract limit of up to EUR 10,000
- Spray Drift cover for painters & decorators up to EUR 25,000
- 3m Depth limit now given as standard for building contractors
Product manager
Unoccupied Property Owners
Overview
Our Unoccupied Property Owners product offers comprehensive coverage for Ireland-domiciled commercial risks. The product provides standard FLEA cover, with options to include wet perils. We also offer flexible short-term policy options, allowing clients to choose from 3, 6, or 9-month policies based on their specific needs.
Risk Appetite
We especially love to receive the following unoccupied commercial and residential properties;
- Apartment blocks
- Buy to let properties
- Retail units
- Manufacturing units
- Offices
- Warehouses
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- EL cover for property maintenance/repairs included as standard up to EUR 2,500 wage roll
- Landlords’ contents automatically included to EUR 10,000 with higher limits available
- Option to include Wet Perils
- Short term policies available – 3, 6 or 9 months
- Cover for internal renovations
- Removal of debris
- Replacement locks and keys
- Trace and access
- Fire brigade charges
- Insect nest removal
- Eviction of squatters
Product manager
Land Liability
Overview
Protect your land with tailored liability coverage designed for property owners. Our standalone Land Liability policy provides protection for landowners, whether managing greenfield sites, farmland leased to third parties, or completed and occupied housing developments. We help you mitigate risks and safeguard your assets, giving you peace of mind while you focus on managing your property.
Risk Appetite
- We can quote for green field sites and farmland leased to third parties (providing the farmer has their own insurance)
- In addition, we can consider completed and occupied housing developments (subject to no play areas or sports facilities) and commercial/industrial parks
- Sites/land with derelict buildings or unfinished houses are outside of appetite.
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- Standard Limit of EUR 2.6m provided
- Option to increase to EUR 6.5m
Product manager
Self Build
Overview
Our Self Build Insurance offers a straightforward and flexible solution, combining liability and contract works coverage. Designed for the construction, alteration, extension, or refurbishment of private dwelling houses and associated outbuildings, it provides protection at every stage of your project. With a choice of cover options, our policy adapts to the unique needs of self-builders, giving you confidence throughout the construction journey.
Risk Appetite
Our Self Build product can write various stages of construction for private dwelling houses:
- Works not started
- Foundations not poured
- Strip out only completed
- Up to first floor joints
- At wall plate
- Roof on
- Shell complete
- First fix
- Approaching completion
- Works completed
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
- All Risks of physical loss or damage to new works, temporary works, materials for use in or on the project for which you are responsible
- Loss or damage arising from Fire, Lightning, Explosion and Aircraft in respect of existing property where stated in the schedule
- Liability to members of the public for personal injury or damage to their property as a result of negligence during your works
- Liability to Employees or Temporary Employees for illness or injury sustained as a result of their work for you
- Employees’ tools and personal effects
- Own Plant & Hired In Plant – Standard Limit EUR 5,000 – can be increased
- We can offer cover for Caravans, Site Huts, Containers & Contents – policy limit EUR 30,000
- Public Liability Limit of indemnity - EUR 2.6m & EUR 6.5m options available
- Personal Accident option available for Insured and immediate family members
Product manager
Office & Surgery
Overview
Our Office & Surgery Insurance offers comprehensive, competitive cover tailored to your business needs. Choose from one of four pre-set options or request a bespoke quotation under Option 5 for a fully tailored solution. With coverage available for over 100 clerical occupations, our policy provides the flexibility and protection your office or surgery requires.
Risk Appetite
Cover for over 100 clerical occupations available from Accountants to Website Designers
Coverage and Limits
We typically offer coverage up to the following limits. Speak to our team if required coverage falls outside these limits.
All Risks cover
4 pre-set Options available with the following features & benefits:
Premiums starting from EUR 317.50 (including 5% government levy & our fee)
Contents cover - between EUR 50,000 and EUR 200,000
Documents - EUR 50,000
Computers - between EUR €10,000 and EUR 50,000 for Hardware, Loss of Information and Increased Cost of Working
Gross Revenue - between EUR 500,000 and EUR 1,500,000
Book debts - EUR 50,000
Money - EUR 10,000
Employers' Liability - EUR 13,000,000 Limit of Indemnity
Public Liability - €6,500,000 Limit of Indemnity
- Bespoke combinations of covers and limits can be considered under Option 5
- Ability to include cover for Buildings
- Loss of Documents - up to EUR 50,000
- Theft by Employees - up to EUR 5,000
- Temporary Removal of Deeds & Documents - up to EUR 10,000
- Temporary Removal of Computer System Records - up to EUR 2,500
Product manager
Portfolio manager
Get a Quote
Follow the links below to register for access to our online, quote and bind platform or generate a quote.
Testimonials
I have no problem in recommending iSure to our clients. Underwriters are efficient and knowledgeable and willing to talk through risks to get the best possible outcome for clients. The team are always available on the phone and have an open mind when it comes to underwriting.
I have dealt with iSure since 2015 and I have always found them to be a very professional and pro-active MGA. Their wide range of products and excellent service makes them a very important trading partner for us in what can be a challenging market. Their online platform makes it easy for us to do business with them and there is always an experienced underwriter on hand to take a call if any queries arise.
Not only are iSure Underwriting very personable, they communicate with us in a very professional and effective manner. We have found them extremely competent and always have the interest of their Insurance Brokers and Customers central to their outlook. I can recommend iSure with confidence.
Contact iSure
Phone
Address
Unit 5 First Floor, Corlurgan Business Park, Corlurgan, Ballinagh Road, Cavan, H12 TW61
Social
