To help our growing number of Farm customers get the best insurance policy and service, we have recently recruited a number of additional specialist Farm Advisors. We look forward to helping you review your insurance needs and choosing a range of covers suited to your needs.
Farm Dwelling House and Contents
- The Farm Dwelling House is deemed to include domestic offices, domestic garages, walls, gates and fences immediately surrounding the dwelling house. Typical cover on the Farm House includes:
- 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 Water Tank, Apparatus 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 same.
- House being let to tenants;
- House being unoccupied
- Previous claims:
- Year of build of the House
- All Risks cover can be included to give more specialised cover on Personal items such as Jewellery, Computers, Sports Equipment. Valuations may be required for these items.
Public Liability, Products Liability and Environmental Liability
- Public Liability insurance covers the farmers legal liability for injury, disease or property damage caused to a member of the public arising from the Farmers activities.
- It will provide indemnity in 2 main areas for which the farmer may be legally liable:
- Accidental personal injury to a member of the public;
- Accidental damage to property arising from the business of farming.
- Examples of claims:
- Injury to driver and passengers of a car which skidded on muck left on the public road by the farmer;
- Injury to driver and passengers of a car having hit an animal which strayed on to the public road;
- Cattle getting into a neighbours lawn;
- Important information to tell the Insurance Company:
- Full occupation needs to be declared ie Farmer and Agri Contractor;
- Acreage owned and rented.
- Products 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.
- Every farmer should have employers liability cover.
- 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 family members wages such as a daughter or son farming at home on a full time or part time basis should be included also. Voluntary helpers should be noted also. Extra activities such as Agri Contracting need to be declared to the Insurer.
- Farmers very often have everything covered except themselves!
- It is really important to consider how the farm will 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 very substantial. However, building good Personal Accident cover into the Farm policy can negate the expense here.
- Personal Accident cover operates 24 hours a day, is not restricted to farm accidents and can be extended to cover sporting accidents. Capital Benefits are included also in the event of death or permanent incapacity.
Livestock & Pedigree Animals
- Typical cover for Livestock on farm policies includes:
- Fire, Lightning, Electrocution and Storm;
- During transit or if they stray from the farmers property;
- Death or necessary slaughter following the collapse of slats.
- Farmers may also look for the following more specialist cover:
- Sheep worrying by dogs;
- Theft of Livestock;
- Accident, illness or disease to Pedigree animals;
- Infertility of Pedigree animals due to accident, illness or disease.
Outbuildings and Agri Contents
- Farm outbuildings can be covered for Fire, Lightning and Storm damage.
- 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.
- Agri Contents can be covered for fire and lightning and can include the following:
- Hay, Straw, Grain and other agri-produce;
- Implements and Tools;
- Trailed implements;
- Farm machinery;
- Milking Equipment and Bulk Tank (storm cover can be added here).
- Note: Many farmers opt to take out comprehensive cover on some trailed implements such as Cattle Boxes, Mowers, Round Balers etc. This will extend to cover accidental damage or theft to these items.
We can advise on the best and most economic covers for tractors and agri vehicles with the following options available:
Tractors, Agricultural Vehicles and Machinery
- Open Driving at 16 Years
- Full passenger cover
- Third Party attached trailer cover
- Agricultural Contracting
- Third Party/Fire & Theft/Comprehensive options
Private Cars and Jeeps
- Comprehensive/Third Party Fire & Theft/Third Party
- Driving of other Cars
- Open Driving
- EU Extension
- Material Facts
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