Your home, equipment and vehicles are all integral to keeping your farm running smoothly. Make sure they’re protected.
Your livestock is one of your greatest assets. A typical insurance plan covers your animals for natural disasters, as well as when they’re in transit or stray from your property.
Working with heavy machinery and large animals involves risk, for you and your employees. Make sure that you have financial support in the event of any accidents.
Our extensive insurance coverage means you can work comfortably, knowing that if something should happen, you’re protected with insurance. From fire damage and floods to deterioration of frozen food and subsidence, we’ll get you covered.
As a farmer, you know that you can’t always prepare for every eventuality! We compare wide-reaching cover from a range of providers in Ireland so that you can work on your farm, safe in the knowledge that we’ve got your back.
The Farm Dwelling House is deemed to include domestic offices, domestic garages, walls, gates and fences immediately surrounding the dwelling house.
Fire, Smoke, Lightning, Thunder, Explosion, Storm, Tempest, Flood, Accidental Damage to Building and Contents, Theft or Attempted Theft, Subsidence, Deterioration of Frozen Food, Bursting or Overflow of aWater Tank, or Pipes.
Note: The sum insured on the Dwelling must represent the actual cost of replacing a building of similar dimensions with similar type materials. For example, the cost of rebuilding a period-type residence will be greater than the cost of rebuilding a modern bungalow and the sum insured should reflect the same.
All Risks cover can be included to give more specialised cover on Personal items such as Jewellery, Computers and Sports Equipment. Valuations may be required for these items.
Product Liability protects the legal liability of the farmer in the event of some defect in the products supplied by the farmer.
Environmental Liability protects against costs associated with gradual environmental damage and pollution, including own land and third party clean-up costs.
This cover provides protection for the farmer against legal liability for injury or disease caused to employees in the course of their farming duties. The calculation of this premium is based on the wages paid by the farmer to employees.
Remember, you should include family members’ wages, such as a daughter or son farming at home on a full time or part time basis. This is also the case for voluntary helpers. You’ll need to declare extra activities, such as Agri Contracting, to the Insurer as well.
How will the farm continue to operate if the farmer breaks a leg or injures / incapacitates themselves, particularly during busy times on the farm? The cost incurred in hiring someone to run the farm for a few months can be substantial. However, building good Personal Accident cover into the Farm policy can cover these expenses, hassle-free.
Personal Accident cover operates 24 hours a day, is not restricted to farm accidents, and you can even extend it to cover sporting accidents. We also include Capital Benefits in the event of death or permanent incapacity.
Storm damage cover is dependent on the age and condition of the building and is subject to survey.
It is really important to insure outbuildings for the current rebuilding cost as being underinsured could have a serious negative impact on a claim. settlement.
Note: Many farmers opt to take out comprehensive cover on some trailered vehicles such as Cattle Boxes, Mowers, Round Balers etc. This will extend cover to accidental damage or theft of these items.
We can advise on the best and most economic cover for tractors, private cars, jeeps and agri vehicles with the following options available:
Due to our continuing growth we have recently hired a number of additional specialist Ireland Farm Advisors. This means we can better service the requirements of our expanding customer base.
We pride ourselves on offering a high level of local service. We aim to give farmers better cover, better products and better value, backed up by an experienced claim team who will support you every step of the way.
Contact us on 0818 300 306 to discuss your options.
