Business insurance · Ireland · Head-to-head
Chill Insurance vs FBD Insurance
Two Ireland business insurance options, compared side by side for Ireland trades.
Which should you choose?
Chill Insurance and FBD Insurance are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Ireland-specific notes below against your trade and region.
Chill Insurance
Tier A · ListedIrish online insurance broker, majority-owned by UK private equity firm Livingbridge since 2020
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.
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
Ireland 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.
FBD Insurance
Tier A · ListedIrish insurer founded by farmers in the 1960s, serving farm, business and retail customers
FBD Insurance was established in the 1960s by farmers and now serves farm, business and retail customers across the island of Ireland. Its parent, FBD Holdings plc, was floated on the Irish Stock Exchange in 1988. FBD says it has over 500,000 customers and 34 sales offices nationwide, and it is regulated by the Central Bank of Ireland.
Pros
- + Irish insurer in business for over 50 years
- + 34 sales offices nationwide, according to FBD
- + Regulated by the Central Bank of Ireland
- + Also insures farm and personal customers, so one insurer can cover several needs
Cons
- − No published prices; cover is quoted
- − Tradesman cover limits not confirmed for this listing; check them on your quote
- − FBD's product pages could not be read for this listing; confirm what the policy covers before buying
Ireland note
Irish insurer headquartered in Bluebell, Dublin 12, with 34 sales offices around Ireland according to FBD. Cover limits and exclusions for its tradesman policy should be confirmed on a quote, as they could not be read for this listing.
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