How much is Farm Insurance? +
Each farm policy is priced differently depending on the type of farm enterprise and on the scale of the operation. Rating factors include acreage, value of outbuildings, wages paid, number and value of livestock, number of agri vehicles and cover on same, agri contracting, previous claims etc. In Campion Insurance we have an expert agri team who tailor the cover to our clients’ needs giving advice and recommendations regarding the various covers.
Is farm insurance required by law? +
No. However, if you own property, it is vital to protect your assets. Agri / mechanically propelled vehicles are obliged by law to have a minimum of third party cover.
Why use a Broker for my farm insurance? +
Campion Insurance have a specialist agri team dealing with 4 different farm insurers. We constantly compare prices and shop your insurance at each renewal in order to get you the best value possible without compromising on cover. Our dedicated team are experts in their field, we are available over the phone or to meet on your farm to discuss your insurance needs.
What value should I insure my house for? +
Your house should be insured for its current rebuilding cost. The Society of Chartered Surveyors Ireland provide useful information and a tool to guide you in terms of rebuilding costs.
The same applies for outbuildings, it is very important to insure outbuildings for the current cost of rebuilding them to avoid being penalised in the event of a claim. This is particularly relevant at this time in light of increasing cost of materials such as steel and timber.
Am I covered if I let antibiotics into the milk I supply to my Co-op? +
Yes. The milk that is contaminated in the Lorry and in the Co-op is covered excluding your own milk.
Can I cover my own milk if my tank breaks down or I let antibiotics into it? +
Yes. Your policy can be extended to cover both these events. Premium will be based on value of the milk and capacity of the tank. Insurers may insist on there being a maintenance contract in force on your bulk tank.
Am I covered if people go across my land walking, hunting or any other recreational use? +
Yes. Public Liability picks up your legal liability towards recreational users of your land.
Do I need Public Liability insurance if I am leasing out my land? +
Yes. You need to protect your legal liability in the event of a claim brought against you as property owner.
What cover is available for my Daughter or Son who farm at home with me full time? +
Employers Liability can be extended to cover family members who are working part or full time on the family farm. The premium is based on the wages paid to the family member. However, if your Daughter or Son are partners in running the farm, most insurers will exclude them under the Employers Liability. In this event, we would strongly recommend taking out Personal Accident cover on the family member which can be included as part of the farm package.
Is my neighbour insured if he helps me loading cattle? I don’t pay him. +
Yes. Employers Liability policies can include cover for a Voluntary helper.
How do I cover myself in the event of an accident? +
Farm policies will have a Personal Accident section which we would strongly encourage every farmer to have. This cover will provide weekly benefits of up to €750 per week following an accident where the farmer is unable to work (there are other benefits included also such Permanent Disability, Death, Partial Disability). Personal Accident cover can be extended at an additional cost to cover sporting accidents – this will cover field sports such as Hurling, Football, Soccer, Rugby.
Are Fire Brigade Charges covered under my farm insurance? +
Yes. Insurers provide cover on Fire Brigade Charges provided the fire caused damage to Outbuildings or Property on the policy that is insured. For a Fire Brigade claim, there must also be a property damage claim.
Some Insurers provide a higher Fire Brigade limit where the Farmer has Forestry insured.
Can I insure my Tools against Theft? +
Yes. This will typically be subject to the Tools being in a designated outbuilding and security on that building being of a high standard – the standard is set by the company.
Can I insure my Quad? +
Yes. A Quad is a mechanically propelled vehicle and requires a motor policy. The basic policy is third party only but can be extended to give fire and theft cover or comprehensive cover. Theft of Quads is not an uncommon occurrence.
Can I cover my trailed implements for theft? +
Yes. Specified trailers can be covered for theft. The company will look for a Make, Model, Serial Number and Value for each implement and the premium for each is normally based on the value. The company will list each trailed implement that is covered on the insurance schedule. Cover can be extended to Comprehensive or Accidental Damage to the trailed implement for example comprehensive cover on a mower would cover damage to the mower if it hit a stone.
My son does some Agri Contracting with my tractor. What cover do I need? +
You need to declare this work to your Broker / Insurer. Your tractor policy and your public liability need to be extended to cover this work. If you have an employee driving the tractor, you will also need to get your employers liability insurance extended to cover Agri Contracting work also.