Business insurance · Ireland
Chill Insurance
Irish online insurance broker, majority-owned by UK private equity firm Livingbridge since 2020
Market position
Chill Insurance is an Irish online insurance broker. UK private equity firm Livingbridge bought a majority stake in 2020, and the Irish Independent reported in March 2026 that its revenue rose 14% to over €41 million. As a broker it arranges cover with insurers rather than underwriting it.
Ireland-specific note
Chill is an Irish broker. Its tradesman cover page could not be read during our check, so ask Chill which insurers it can quote, the public and employers liability limits on offer, and whether the policy meets the indemnity your contracts require.
Pros
- + Irish online broker, majority-owned by Livingbridge since 2020
- + Broker model: can quote more than one insurer
- + Established business, with reported revenue over €41 million
Cons
- − No published premiums; cover is priced by quote
- − Tradesman cover details could not be confirmed from its site
- − Broker, not the insurer: claims are paid by the underwriter
Typical Ireland pricing
Quote-based; no published premiums. Limits not confirmed: the vendor page could not be read
Why this matters for Ireland trades
Since 1 September 2026 it is illegal for anyone who is not a Registered Gas Installer to carry out domestic or non-domestic gas works (S.I. No. 106/2026), and the CRU says Safe Electric registration for electrical contractors is the law; Safe Energy Ireland runs both schemes for the CRU. Principal contractors deduct RCT at 0%, 20% or 35% from subcontractors’ payments and file through ROS. The Irish payroll tools listed here say they send payroll submissions to Revenue and handle My Future Fund auto-enrolment. The statutory Construction Industry Register Ireland (CIRI) is not yet mandatory: the CIF says applications open during 2027, and its Voluntary Construction Register runs until then.
Irish trades vendor selection is shaped by statutory registration (RGI for gas, Safe Electric for electrical contractors), Revenue payroll reporting under PAYE Modernisation, the My Future Fund auto-enrolment pension scheme that started on 1 January 2026, Relevant Contracts Tax (RCT) on payments to construction subcontractors, and SEAI’s Registered Contractor List for grant-funded home energy upgrades.
Frequently asked
Is Chill Insurance a good fit for Ireland trades?
Chill Insurance is an Irish online insurance broker. UK private equity firm Livingbridge bought a majority stake in 2020, and the Irish Independent reported in March 2026 that its revenue rose 14% to over €41 million. As a broker it arranges cover with insurers rather than underwriting it. Chill is an Irish broker. Its tradesman cover page could not be read during our check, so ask Chill which insurers it can quote, the public and employers liability limits on offer, and whether the policy meets the indemnity your contracts require.
What does Chill Insurance cost in Ireland?
Quote-based; no published premiums. Limits not confirmed: the vendor page could not be read. Pricing and availability can change by region; confirm current Ireland pricing on the vendor's site before committing.