Products

We have a wide range of policy covers available for your agricultural needs with flexible options to meet all of your requirements. 

• Diversification
• Renewable Energy
• Farm Motor
• Agricultural Motor Trade 

Farm Combined

An inclusive single policy covering all aspects of agricultural insurance.  With many areas of insurance to consider on a farm cover is available for all farm property, livestock and protecting the Farmer against legal liabilities in many areas.  Cover can be tailor-made to suit the requirements of the individual farm, maintaining one policy, one renewal date and one premium collection.  Your farm is your livelihood, protecting it is a priority.

Farm Property

A wide range of covers are available for all types of farm property including buildings, fixed machinery, stock and tools following damage by insured perils.  Storm, escape of water and theft covers are available depending on your requirements.

Business Interruption

Often misunderstood, this complex area of insurance can be a real "business saver". Business Interruption cover is designed to replace lost revenue following an insured loss.  For example, a fire in a grain store immediately after harvest or even substantial damage to a milking parlour which renders the machinery unusable.  A complex subject but a business essential.

Livestock

Cover can be arranged for all livestock belonging to, or in the farmer's custody or control for loss from insured perils. Extensions for theft, straying, transit, worrying and certain diseases are also available.  Mortality & fertility cover is available for breeding livestock where appropriate, subject to additional information being provided.

Farm Liabilities

Public liability is a core cover provided by our policy to protect you as the landowner or occupier against actions taken against you where members of the public may have suffered a loss or injury as a result of your negligence.   Employers' liability is a statutory cover for anyone employing individuals on any basis - full, part time or voluntary.  This will protect you as an employer against actions taken against you where employees may suffer a loss or injury as a result of your negligence.

Farm Money & Assault

Insurance is available for loss of Business Money including Damage to safes, damage to clothing & personal effects following theft or attempted theft.  Cover also includes generous limits to cover the cost of obtaining duplicate cattle passports.  In the event of an injury by violence benefits are payable for specific injuries sustained and associated medical expenses.

Personal Accident & Sickness

You can choose to insure individuals within the business to provide a benefit payable in the event of accident or sickness.  Varying scales of cover are available and can also be provided for a specified person or blanket basis for all staff.  Pre-existing medical conditions will be excluded.

Farm Property in Transit

This section covers farm equipment, stock and produce whilst being loaded & in transit by road, rail or inland air freight.  Cover automatically extends to include damage to packing materials, personal effects of driver/attendant and additional costs necessarily incurred in continuing the transportation.

All Risks

Farm covers are generally offered on a "specified peril" basis but this section allows you to insure specific items or equipment on an "all risks" basis - that is providing cover any accidental damage and also providing cover away from the main farm premises.  Cover is available for loss or damage to items insured anywhere in the UK, Europe or even Worldwide if appropriate.

Deterioration of Frozen Food and/or Refrigerated Food

Cover available for Deterioration, contamination of refrigerated foods caused by breakdown, escape of refrigerant or electricity supply failure.

Machinery Breakdown and Statutory Inspection

This section provides breakdown, collapse and explosion cover to items of machinery & plant at the Farm.  Inspection services to satisfy statutory requirements can also be arranged on specific items of plant.

Commercial Legal Protection

This section provides peace of mind cover to the Farmer against the potential costs of legal action brought against him by another individual or Company.  Legal expenses insurance coverage for the legal fees charged (including expenses incurred) by the law firm representing the Farmer in usually unforeseen legal matters. These can include employment disputes, contract & tenancy disputes, legal defence, property protection and Tax Protection.

Uncollected milk

Cover is available for Loss of milk from causes beyond your control including weather events resulting from the Dairy or its authorised agent being unable to collect milk from your premises which would otherwise have been collected under your contract of sale of milk to the Dairy.  Benefits available per cow, per day with no upper limits.

Farm Home Buildings and Contents

As well as providing cover for the commercial aspects of your farm we can also include cover for your domestic dwellings and contents, all under the same policy, with the same renewal date. Extensions are also available for items away from the home, valuables and personal money.  Personal liabilities are covered up to £5M.  Holiday let properties can also be catered for under the diversification section of the policy.

Environmental Impairment Liability

The background

Changes to legislation which came into force in England on 1st March 2009 mean that a standard Public Liability policy could leave farmers financially exposed. The Regulations were introduced to ensure the UK complies with the European directive and is designed to ensure the 'polluter pays'.

Farmers need to understand the changes and insurance implications of the Environmental Damage (Prevention and Remediation) Regulations 2009 and where the inherent risks lie. Our current policy wording already provides

• public liability cover as standard
• including claims arising from sudden and accidental pollution incidents
• Statutory clean-up costs of up to £1M
• Extension to cover the clear up costs of polluting or contaminating substances on own property and land

However, most policies will not normally include the wider aspects of environmental clean-up and also meet the new Directive of providing additional compensatory or complimentary remediation. Whilst there is currently no compulsory insurance requirement under the Regulations, it is recommended that policies are reviewed to establish the extent of cover provided.

Cover enhancement

To increase the protection for our new and existing customers, we extended our Policy cover to reflect the up to date Directive requirements, providing Environmental liability coverage under Section 17

• gradual pollution and contamination incidents,
• costs & expenses you are ordered to pay
• environmental statutory clean-up
• remediation costs of up to £1 million in any one period of insurance.
• an added optional enhancement to increase the limit of indemnity £2 million, with effect from 2nd February 2015

The Regulations say that any person or company who controls an activity or is in charge of it should prevent, limit or remediate serious environmental damage. This includes protecting nature, natural habitats, sites of special scientific interest, surface or ground water and land.

Our policy wording includes an environmental Retroactive Date providing a continuation of cover which provides continual cover from the date the cover was first purchased by the Insured, albeit from an alternative provider, ensuring no break in cover.

What happens next?

Environmental Liability cover was applicable for New Business from the 11th March 2013 and Existing Policies renewing from 1st May 2013 onward and existing FarmWeb policyholders' cover were automatically extended to provide this cover when the policy reached it's natural renewal date.   

The cover enhancement for a £2M Limit Of Indemnity is optional and is available upon request from 2nd February 2015.

 Diversification

Many farmers have diversified into different areas to make the most of their valuable land and property.  We are happy to provide cover for a wide range of diversification activities and have an extended definition of agriculture to be:

Use of land, buildings, plant & resources for the growing of crops and/or the rearing of animals.  (Excluding: aquaculture, horticulture/glasshouses, forestry and Timber & Garden Centres)

This definition has been further enhanced and now includes many additional activities such as

• neighbourly/reciprocal agricultural contracting,
• bed and breakfast accommodation up to 3 bedrooms,
• school visits and farm open days,
• private shoots for up to 10 days per annum,
• some charity events,
• rural controls on own premises
• hiring out of own farm animals for stud purposes (excluding horses)

In addition there are many activities that can be catered for, subject to additional information.  These include:

• commercial & residential property letting,
• livery yards
• fishing rights
• hay & straw dealing
• food & drink manufacturers
• outside caterers
• organic breweries
• and many more…..
   

Farm Motor

All vehicles used on and around the farm and associated business are covered under a single policy with one renewal date.

Comprehensive, third party fire and theft or third party cover options

• New for old replacement following total loss accident, fire or theft within one year on
• Private cars
• Goods carrying vehicles up to 3.5T
• Agricultural vehicles
• Cover available for trailers, agricultural implements or machines, whether attached or detached covered up to £35000 any one item
• Replacement glass cover using national network of installers
• Green card cover for private cars
• Up to £15,000 for accessories and spare parts (including GPS navigation systems) which relate directly to the function of the Agricultural Vehicle.
• Free 24 hour business advice service - unlimited access to a team of solicitors & other legal experts for 24 hour confidential legal advice

Legal liability for death, injury and damage

• £5M indemnity limit
   

Personal accident benefits

• Benefits payable to the Insured or anybody licensed to drive and employed in the business for death or loss of limbs/sight
   

Personal effects cover

• Cover for belongings in your private car & goods carrying vehicles
   

Discounts

• 10% security discount on all agricultural vehicles that are fitted with a Trakbak Vehicle tracking system
• 15% discount where TRACKER Stolen Vehicle Tracking device fitted
• 7.5% discount if CESAR package has been purchased
• Voluntary excesses
• Restricted driving discounts
• Age of vehicle discounts

Agricultural Motor Trade

Motor trade insurance can be just as complex as Farm Insurance and with the added nuance of Agricultural Vehicles and risks in a rural environment specialist knowledge will help navigate you through the various sections, tailored to meet your requirements.

Cover for all property damage, liability, statutory equipment inspections are available all under one product.  Road Risks cover is also available under a separate cover. A summary of the benefits are listed below:

• Policy specifically designed for the Motor Traders needs
• Property damage written on an All Risks basis with full theft cover
• European certificate
• Flexible underwriting approach with increased limits available

Road Risks cover available including social, domestic & pleasure use for the policyholders own vehicles whilst allowing drivers insured under the policy to drive vehicles belonging to both third parties and the policyholder for motor trade purposes.

Motor Trade - Single Location

Key Policy Features and Benefits - summary

• Policy minimum premium £500
• New Replacement Vehicle (Insured's Vehicle)
• Contract Price cover
• Financial Loss (New and Unused Vehicles)
• Loss of Metered Water
• Trace and Access cover
• Seasonal Increase (Insured's Vehicles)
• Road Risks policy will be available on a no claims bonus scale
• Loan and Hire and Unaccompanied demonstration covers available
• Free embedded Engineering cover
• Flat rated Engineering Inspection cover rated per premises
• Free Legal Expenses cover

Key Selling Points

• Access to expert local underwriters
• Policy specifically designed for the Motor Traders needs
• Property damage written on an All Risks basis with full theft cover
• European certificate
• Free embedded engineering cover
• Flat rated engineering inspection cover rated per premises
• Flexible underwriting approach - increased limits available for most sections
• Our best pricing approach based on a good track record
• Credit facilities available

Motor Traders Combined - Multiple Locations

Key Policy Features and Benefits - summary

• Policy minimum premium £7500
• New Vehicle concession for both Insured and Customers vehicles
• Exhibition cover up to £500,000
• Fraud, Trick and Pretence cover
• Inadvertent omission
• Unaccompanied demonstration and Loan/Hire included as standard
• Uninsured loss recovery (£100,000 any one claim)
• Contingent Motor as standard
• Limited Self Drive hire available
• Other features as per our traditional product (though some with higher limits)

Key Selling Points

• Access to expert local underwriters
• One policy covering all sections
• Policy specifically designed for the Motor Traders needs
• Property damage written on an All Risks basis with full theft cover
• True floating basis. No average condition on Vehicle sums Insured
• European certificate
• Road Risks cover available as standard
• Free embedded engineering cover
• Flat rated engineering inspection cover rated per premises
• Our best pricing approach based on a good track record
• Credit facilities available