Farm Insurance

Damage to farm property contents by perils selected

• Buildings cover on modern materials plus ability to include reinstatement of traditional materials (contents can include reinstatement basis of settlement)
• Buildings and contents automatically includes clean up of own land following oil contamination and clean up of illegally dumped waste (fly-tipping)

Additionally we can offer cover for:

• Livestock fatal injury away and on the premises plus livestock in transit and livestock worrying
• Business money cover
• Goods in transit
• Revenue protection by covering loss of revenue, increased costs of working

Protection for business legal liability

• Employers liability
• Public liability
• £1 million limit of indemnity for statutory clean up costs following sudden, identifiable and unintended pollution
• Can be extended to include liability to pay wages under the agricultural wages act

Additionally we can offer cover for:

• Third party financial loss, where there is no physical loss or damage

Cover for policyholders, workers and family following accidental injury or sickness/disease

• Lump sum payments for death, total disablement, partial disablement and weekly payments for temporary total disablement

Provides “all risks” basis of cover for a variety covers

• Uncollected milk indemnity (can be extended to include antibiotic contamination of your milk)
• Loss of frozen bovine semen in straws or nitrogen flasks
• Loss of oil and fertiliser from tanks
• Office contents plus computers, landlords fixtures external glass and signs, deeds, documents and plans

Private house buildings

• Loss or damage to your house and associated outbuildings
• We automatically include liability at law cover
• All risks cover available as an extension

Private house contents

• Loss or damage to contents
• New for old cover all risks cover, available
• Cover for valuables, money, cycles and freezer contents

Commercial legal protection for many helpline and other services

• Bodily injury
• Contract disputes
• Debt recovery
• Employment disputes and compensation awards
• Legal defence
• Property protection
• Tax protection

Includes helpline advice for:

• Business assistance
• Counselling
• Eurolaw legal advice
• Tax advice
• The employment manual

Family legal protection

• Bodily injury
• Contract disputes
• Employment disputes
• Jury service and court attendance
• Legal defence
• Property protection
• Tax protection

Includes helpline advise for:

• Counselling
• Eurolaw legal advice
• Health and medical information
• Tax advice
• Veterinary help

Wind turbines, solar panels, biomass and anaerobic installation plants, hydroelectric plants

• Material damage to the insured property
• Business interruption following material damage to the insured property
• Debris removal costs
• Professional fees incurred in the investigation of repairs
• Expediting costs for temporary or permanent repairs
• Professional accountants fees incurred to support a business interruption claim
• Newly acquired property as soon as insurable interest commences