Business insurance · Ireland · Head-to-head

Arachas (TradeMaster) vs Chill Insurance

Two Ireland business insurance options, compared side by side for Ireland trades.

Which should you choose?

Arachas (TradeMaster) edges ahead on our Ireland tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the Ireland-specific notes below.

Arachas (TradeMaster)

Tier S · Recommended

Ireland’s largest broker, with a trades-liability product built for Irish tradespeople

Arachas is Ireland’s largest nationwide insurance broker and runs TradeMaster, a trades-liability product covering Irish tradespeople for 30+ years. It targets carpenters, plumbers, painters and builders specifically, bundling public, employers and products liability with indemnities to Irish trade bodies. As a broker it places cover with multiple underwriters rather than being a single insurer.

Pros

+ Ireland’s largest broker with deep trades specialism
+ TradeMaster purpose-built (30+ year track record)
+ High limits — PL €6.5m / EL €13m / Products €6.5m
+ Explicit indemnity to RGII, OFTEC, SEAI and local authorities

Cons

− Quote-only pricing
− Broker model — cover sits with third-party underwriters
− Large-broker service can feel less personal
− Online self-serve limited (phone-led)

Ireland note

Sandyford, Dublin broker; TradeMaster explicitly indemnifies Irish trade/regulatory bodies (RGII, OFTEC, SEAI) and local authorities — strongly Ireland-specific.

Typical Ireland pricing: Quote-based (limits: PL €6.5m / EL €13m / Products €6.5m)

Full review → Visit →

Chill Insurance

Tier A · Workable

Irish comparison broker putting tradesman liability cover out to multiple insurers

A well-known Irish broker comparing around 14 insurers for business and tradesman cover. It offers public liability for tradesmen from roughly €1.3m upwards plus employers liability, with dedicated tradesman/liability pages. Its strength is breadth of market access and a recognised consumer brand.

Pros

+ Established, recognisable Irish broker brand
+ Compares ~14 insurers
+ Dedicated tradesman + EL/PL content
+ Phone advisory team

Cons

− Comparison broker, not the underwriter
− PL limits start lower (~€1.3m base) vs specialists’ €6.5m
− Pricing quote-only
− Better known for motor/home than trades

Ireland note

Irish-regulated broker operating only in the Irish market; tradesman content framed for Irish trades businesses.

Typical Ireland pricing: Quote-based (PL usually from ~€1.3m upwards)

Full review → Visit →

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