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ERM Financial Services

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ERM Financial Services

ERM Financial Services specialises in Commercial Insurance and Life & Pensions requirements for businesses and individuals. Get in touch today!

Over the past 30 years, we've helped thousands to find the right insurance policy for their business.

01/04/2026

We’re delighted to share that ERM Financial Services Ltd is now an official sponsor of Malahide RFC 🏉

Supporting local sport and community is something we truly value, and we’re proud to stand behind such a fantastic club. Wishing the players, coaches, and supporters a brilliant season ahead—go team! 💪

30/03/2026

It was a pleasure to attend the annual dinner of the Insurance Institute of Dublin. Events like these are a great reminder of the strength of our industry — bringing together professionals & partners to share insights, reconnect, and build meaningful new relationships.

15/01/2026

If your business insurance policy hasn’t changed in years, it’s probably costing too much.

Staff changes, new locations, and contract shifts all impact your exposure. A customised, up-to-date policy can deliver the same protection at a lower cost.

Find out how to reduce insurance expenses while scaling up:

https://ermfinancialservices.ie/business-insurance/how-to-reduce-business-insurance-costs-as-your-company-expands

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

13/01/2026

Construction insurance claims can collapse without proper reporting procedures.

If your site team delays reporting an incident or doesn’t know what to document, you risk having a valid claim rejected. Common pitfalls include:

-Failing to notify the broker or insurer within the required timeframe.
-Lack of supporting documents (photos, incident forms, logs).
-No internal escalation process for serious events.

Training your team on claims notification timelines and documentation standards is essential to preserve your right to claim.

Read our guide to managing construction insurance risks on your site:

https://ermfinancialservices.ie/construction-insurance/understanding-construction-insurance-risks-in-ireland

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

08/01/2026

The more your business grows, the harder it becomes to manage complex risks.

Relying on outdated coverage or fragmented advice can drive up costs. Consolidating policies and working with one broker makes a measurable difference. At ERM, we often see growing businesses juggling multiple policies across departments. Consolidation not only lowers admin burden but often reduces premiums by 10–15%.

Explore smarter ways to reduce your insurance costs as your company scales:

https://ermfinancialservices.ie/business-insurance/how-to-reduce-business-insurance-costs-as-your-company-expands

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

06/01/2026

Every construction site needs insurance tailored to its specific risks.

From local planning rules to environmental hazards, off-the-shelf cover often misses key elements. A bespoke policy can protect against exclusions and inflated premiums.

Learn how to spot and prevent common construction insurance oversights in Ireland:

https://ermfinancialservices.ie/construction-insurance/understanding-construction-insurance-risks-in-ireland

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

02/01/2026

Your commercial insurance shouldn’t be “set and forget.”

Any changes, such as opening a new site or hiring more staff, can affect your risk profile. Reviewing your policy regularly can uncover easy savings.

Learn how proactive reviews help reduce insurance costs during business expansion:

https://ermfinancialservices.ie/business-insurance/how-to-reduce-business-insurance-costs-as-your-company-expands

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

01/01/2026

🎉 Happy New Year from ERM Financial Services! 🎉

As we welcome the new year, we extend our heartfelt thanks to all our clients and partners for their support. Here's to a year filled with success, growth, and new opportunities.

Wishing you a prosperous and joyful 2026!

30/12/2025

Construction insurance often fails when it’s unclear who’s responsible for what.

With multiple contractors and subcontractors on-site, assumptions about who holds which cover can cause dangerous gaps. Disputes over responsibility frequently arise when:

-Liability is not clearly defined in the contract.
-Each party believes the other has arranged adequate cover.
-Overlapping policies lead to confusion or claim rejection.

Contracts should always define insurance responsibilities from the outset, including who carries Public Liability, Professional Indemnity, and Contractors’ All Risks insurance.

Make sure you're covered, not exposed - learn what risks matter most:

https://ermfinancialservices.ie/construction-insurance/understanding-construction-insurance-risks-in-ireland

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

25/12/2025

🎄 Merry Christmas from ERM Financial Services! 🎄

Wishing you a joyful holiday season filled with peace, love, and happiness. May your celebrations be merry and bright, surrounded by family and friends.

Thank you for being a part of our year. We look forward to a prosperous New Year together!

23/12/2025

Business insurance can be a hidden cost that grows faster than your revenue.

Misaligned cover can quietly drain resources - or leave you dangerously exposed when a claim hits.

Read how to stay cost-efficient with the right insurance strategy as you grow:

https://ermfinancialservices.ie/business-insurance/how-to-reduce-business-insurance-costs-as-your-company-expands

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

22/12/2025

Construction insurance policies must evolve as your projects do.

Too often, firms reuse outdated cover that no longer matches the size, scope, or subcontracting involved. This can lead to damaging exclusions and costly oversights.

Stay protected by understanding how construction insurance risks evolve in Ireland:

https://ermfinancialservices.ie/construction-insurance/understanding-construction-insurance-risks-in-ireland

Euro Risk Management (Insurances) Ltd T/A ERM Financial Services is regulated by the Central Bank of Ireland.

Address

7 James’s Terrace, Malahide
Dublin
K36HV25

Opening Hours

Monday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+35318454361

Website

https://ermfinancialservices.ie/

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