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 an 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 for 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.

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 complementary 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.

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 groundwater 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 its natural renewal date.

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