Farm combined Covers

Farm property protection

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)
  • Business money cover

Additionally we can offer cover for:

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

Liability

Protection for business legal liability

  • Employers liability
  • Public liability
  • EIL - £1,000,000 limit of indemnity for property damage, clean up costs and environmental damage costs following 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

Personal accident & sickness

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

Business all risks

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 including LPG
  • Office contents plus computers, landlords fixtures external glass and signs, deeds, documents and plans

Household

Private house buildings

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

Private house contents

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

Legal expenses

Commercial legal protection

  • 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 advice for:

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

Additional policies

Additional policies are available including:​

  • Livestock
  • Renewable Energy
  • Hailstorm