Our Insurance Services

OPTIS/QBE – Some Good News for Policyholders

Following almost one year of wrangling, we are today in receipt of correspondence from QBE in respect of thier OPTIS-arranged policies, admitting liability for losses that arise on foot of restrictions imposed to control the spread of COVID19. QBE’s European Operations advised: “As you may be aware, recent Court decisions, including cases brought by Hyper Trust and others against the…

FBD Public House Policy – Judgement (Final)

It took an inordinate length of time for FBD Insurance to confirm that liability did attach to their FBD Pubic House Policy in respect of business interruption losses that arose from the outbreak of disease [Covid19]. Even now, the final (quantum) module of the ‘test case’ has only recently been heard in the High Court and the judgement therefrom is…

UK Supreme Court Decision in the ‘FCA’ Case Delivered

The UK Supreme Court has delivered it’s judgement in the Appeal by the Insurers and the FCA in respect of the ‘FCA’ case. Background The original High Court hearing was a ‘test case’ to determine the extent of cover (or not) for business interruption arising as a result of occurrences/outbreaks of Covid 19. Such interruptions typically followed orders made by…

Update – FBD Test Cases – Judgement Deferred

FBD Public House Policyholders will be aware that the question as to whether FBD were entitled to avoid liability – in respect of claims arising on foot of business interruption [due to Covid19] – has been the subject of so-called ‘test case’ litigation before the Commercial High Court. The Justice was due to deliver his judgement on the 15th of…

Business Interruption – An End in Sight?

It was (and remains) our view that most commercial insurance policies will not (necessarily) respond to business interruption losses caused by the outbreak of disease. Many policies were absent any ‘disease’ extension to the business interruption cover, others required there to have been an outbreak of the disease at the premises. There were, however, other policies which could be said…

Domestic Buildings – Sums Insured

Aren’t Eircodes great! We all remember the criticism circulating at their launch, headline in the Irish Times: “Eircode: there goes another €38m down the drain.”  However, those of us born without an internal compass can now pop a code into a screen and via the wonder of satellite and computing technology arrive at the door of a new property claim,…



Seamus O'Leary and John O'Donoghue of Owens McCarthy were of particular assistance to us in the course of our very sensitive and serious claim before the Courts. They engaged fully with our Solicitors and Engineers to formulate and present a fully-costed Statement of Claim. We were very pleased with the manner in which our problem was resolved and with Owens McCarthy's input.

An Cisteoir, CLG Beal Atha'n Graorthaidh, Corcaigh

Thanks to your company, and Diarmaid Cox in particular, for handling my claim in such an efficient and professional manner.


Having had water damage in our property, and a visit from the Insurance company Adjuster asking us to send in our claim to him, we were at a loss where to start. On recommendation, we sought the advice of Owens McCarthy as we were told they deal with all size claims. Des O'Sullivan was with us within 24 hours, outlined our entitlements and in just over 1 week had our claim put together and settled. Owens McCarthy provided efficient and professional service at its utmost

Castlebar, Co. Mayo

I was unfortunate enough to have suffered a serious loss at my rental property during the big Freeze Up of early 2010. Owens McCarthy took my problems and presented me with solutions, dealing with the Loss Adjusters and ensuring that I received an adequate payment to properly repair the damaged property. I was able to complete repairs quickly and have my tenants move back into the house at the earliest possible time.

The Lough, Cork City

I'd just like to say that dealing with both yourself and Colm in Owens McCarthy has been an absolute pleasure, both of you have helped me navigate through some pretty difficult times as there's nothing worse than having your property damaged. As it's the first (and hopefully the last time) something like this has ever happened to me I really didn't know where to start but your guidance and support has made getting it sorted out so much less stressful than it might have been.

Dublin 15

Colm, Denise & Kathryn, thank you all so much for all your help during my "crisis" it was much appreciated.

Naas, Co. Kildare

John O'Donoghue and Owens McCarthy offered very valuable assistance, and empathy, when our home was flooded during November 2009. Their professionalism allowed our claim to be settled for maximum value with the minimum amount of fuss.

Victoria Cross, Cork

Our thatched house was a total loss following a serious fire. We would not have known how to deal with the Insurance Company. You did everything for us and we were never so relieved when the claim was settled quickly. Thank you very much.

Athy, Co. Kildare

Thank you so much for all your help and support to us here in the school. We appreciate your professional approach to our claim and prompt answers to any queries we had for you.

Principal, Holy Child National School, Whitehall, Dublin 9

I needed assistance during the time of Cork's catastrophic floods in November 2009. Owens McCarthy were on-site within a matter of hours and I immediately had confidence in their approach to my claim. In fact, they responded almost a full week before the Adjuster for the Insurance Company. It was a traumatic time made less stressful by Owens McCarthy's involvement and our lives have returned to normal thanks to their help and guidance.

Western Road, Cork

I would like to thank Owens McCarthy for their advices and assistance and say they were excellent in negotiating a satisfactory settlement on my behalf.

Ballyjamesduff, Co. Cavan

Your passion for what you do was evident in every call and meeting. You succeeded in obtaining a most satisfactory settlement on my behalf.

Ballygawley, Co. Sligo

Having unfortunately suffered a burst pipe in our house at Faithlegge, Waterford from the severe weather last year, we employed Owens McCarthy to deal with our insurance company on the claim, having had no experience on previous claims on insurance in our lifetime. The matter was dealt with in an excellent fashion by Mike O Sullivan of Owens McCarthy on our behalf, resulting in us securing all costs associated with the substantial damage the flood had caused. We would have no hesitation in recommending them for any similar situation.

Faithlegge, Waterford

Mike was a down to earth guy who was willing to do a great job for his client. His knowledge and experience when handling our "not so straight forward claim" was obvious in the positive outcome.

Clonlara, Co. Clare

The peace of mind we had as a result of Owens McCarthy's help is something I would recommend to anyone. Exemplary service from start to finish.

Toomevarra, Co. Tipperary

Owens McCarthy were extremely helpful to me in dealing with a serious subsidence claim at our property. They handled all of the detailed and complex engineering matters from start to finish and helpfully advised me in relation to engaging competent contractors. I cannot recommend them strongly enough.

College Road, Cork

We discovered dampness on the walls and didn't know what to do. A friend of ours recommended Owens McCarthy Claims Specialists to investigate further. They arrived out the following day and looked after everything. It turned out we had a serious leak which had saturated the floor slab in a few rooms. Owens McCarthy dealt with the insurance company directly and our claim got settled within two weeks. It was a great peace of mind knowing we were dealing with a professional company.

Oranmore, Galway

A business partner recommended Owens McCarthy when we had an issue with a generator surge that caused damage in our business. Once we made the call, everything was so easy from then onwards. They took over the claim immediately, they were on-site and in contact with the insurers within hours. They made sure that everything ran smoothly and more to the point that every aspect of the damage and business interruption was detailed in the claim. I would highly recommend their services to any business.

Printing.ie, Farranfore, Co. Kerry

Owens McCarthy are much more than a team of Assessors - At a time when my house was destroyed by fire, I felt they provided professional, dedicated and caring staff that took personal responsibility for having my claim resolved in an efficient and most satisfactory manner.

Newcastlewest, Co. Limerick

Just a short note to reiterate that our group of Companies can wholeheartedly recommend the service provided by Owens McCarthy. The advice and expertise from Owens McCarthy helped us to resolve our claim quickly and assisted us greatly in recommencing trading with the minimum of delay and hassle.

The Washington Inn, Washington Street, Cork

I was very happy with the service provided by Owens McCarthy when looking after my claim from start to finish. I would have no hesitation recommending them to my friends and family.

Dunshauglin, Co. Meath

Thank you very much indeed for coming to our rescue when we had the house fire. Right from the beginning you calmed us down and reassured us that you would sort out all the niggly hassle of the insurance claim, at a time when we were suffering a great deal of emotional trauma. At all times you were easy to work with, open and honest, and thoroughly pleasant and professional and in the end you ensured we did not end up out of pocket. So, financially and emotionally, you really were our saviour.

Glenageary, Co. Dublin

Our Company would recommend the service provided by Owens McCarthy. The advice and expertise from Owens McCarthy helped us to resolve our claim quickly and assisted us greatly in recommencing manufacturing with the minimum of delay and hassle. The commitment to service and frequent on-site visits at short notice were major positive factors in helping us through a difficult period

Deepak Fasteners ( Shannon ) Ltd.

I was delighted with outcome of the claim as it was originally rejected. Owens McCarthy investigated the matter and with their knowledge had the case overturned. With substantial damage done to my house, the relief of getting cover speaks for itself. Highly recommended.

Carrick-on-Shannon, Co. Leitrim

I'm impressed at how efficient your service is and how much we've benefited by your understanding of our policy cover, knowledge of construction and indeed negotiation skills. With 50% of my house affected by the burst pipe, I was really relieved when you achieved a significant increase from the initial offer I had been given. Great to see local talent prevailing.

Boyle, Co. Roscommon

I was delighted with outcome of the claim as it was originally rejected. Owens McCarthy investigated the matter and with their knowledge had the case overturned. With substantial damage done to my house, the relief of getting cover speaks for itself. Highly recommended.

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