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?

FBD Insurance 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.

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 →

FBD Insurance

Tier S · Recommended

Irish insurer — €6.5M PL / €13M EL standard, deep agricultural + trades heritage

FBD is one of the longest-established Irish insurance companies — originally agricultural insurance, now broad business coverage including tradesman policies. €6.5M Public Liability + €13M Employer Liability standard cover. Strong Irish brand recognition.

Pros

+ Higher PL + EL standard limits (€6.5M + €13M)
+ Irish-owned with deep local heritage
+ Strong Irish brand recognition
+ Mature claims infrastructure

Cons

− Pricing higher than international alternatives
− Less digital-native than newer entrants
− Ireland-only — no cross-market value

Ireland note

Irish-owned and Irish-focused. PL + EL limits standard are higher than many international alternatives.

Typical Ireland pricing: Broker or direct, varies

Full review → Visit →

More Ireland options

See all Ireland business insurance vendors and the rest of the Ireland directory.

🇮🇪 All Ireland vendors Certifications by country US directory