Agricultural Contractor's Liability insurance

Agricultural contracting plays a key role in UK farming and we recognise that more and more farmers are actively seeking new opportunities to supplement their income by carrying out contracting activities. That’s why we’ve introduced Agricultural Contractor's Liability insurance. 

We understand that each businesses requirements vary so our product covers a range of activities including (but not limited to):

Fertilising: crop spraying, spreading of muck and digestate.

Cultivation/drilling/harvesting: combining, silaging, ploughing, direct drilling, baling and wrapping, sub soiling.

Husbandry: lambing, sheep shearing, blacksmithing, farriering, pest and vermin control

Land Management & Forestry: Hedge cutting, dry lining, sports pitch maintenance

Agricultural construction: Agricultural engineering

Plus because we know many agricultural contractors carry out multiple activities we also cover related trades such as fence erecting, painting and general building. 

Our Agricultural Contractor’s Liability insurance takes care of your employer and public liability as well as works, tools, materials and personal effects. With no limits on contracting turnover, this policy benefits small businesses to larger contracting firms alike. So no matter what size or contracting activity you undertake you’ll be covered under this single policy. 

 

  • Selling points
  • Covers
  • Policy documents
  • Making a claim

ACL Selling Points

  • Just one compulsory section (Public Liability)
  • No limit of contracting turnover
  • Covers:
    • Up to £10m (for products or pollution) as well as any costs of defending a claim
    • Up to £10m employer’s liability cover
    • Employee tools up to £20,000 (£1,000 per any one employee)
    • Damage to crops being sprayed
    • Loss of yield
    • Environment Agency Clean-up costs
    • Failure to germinate
    • Materials and tools in transit
    • Legal expenses
  • Protection for claims arising out of your work, the cost of defending a prosecution under the Health and Safety at Work Act or the UK Corporate Manslaughter and Corporate Homicide Act

ACL Covers

Public and Products Liability

The insurance policy provides protection for businesses against damages and legal costs that arise as a result of claims from any person, other than employees, suffering an injury, disease or damage to their property.

Cover can be taken with or without products liability.

A limit of indemnity (including claimants’ costs) of either £1m, £2m, £5m or £10m. In addition, the costs of defending a claim are covered by the policy. The limit chosen will also be the maximum that will be paid in total for the period of insurance for claims relating to products or pollution.

  • the export of products to any country other than the United States or Canada. (You can however request a quote to include USA and Canada exports)
  • protection for any principal for claims arising out of your work
  • the cost of defending a prosecution under the Health and Safety at Work Act or the UK Corporate Manslaughter and Corporate Homicide Act
  • the cost of representation at any Coroner’s Inquest or Fatal Accident Inquiry
  • compensation for attendance at court as a witness
  • liability arising under the Defective Premises Act 1972
  • liability arising under the Data Protection Act 1998
  • overseas personal liability for you and your family members when you travel on business
  • Motor contingent liability for vehicles not belonging to, or provided by you, but being used for your business
  • liability arising under the Consumer Protection Act 1987, the General Product Safety Regulations 2005 or the Food Safety Act 1990 if you have chosen products liability cover.

Employers' Liability

The insurance policy provides protection for businesses against damages and legal costs that arise as a result of claims from employees suffering an injury or disease arising out of their employment.

The cover provided complies with UK compulsory employers’ liability law.

A limit of indemnity (including costs) of £10,000,000, but restricted to £5,000,000 for claims relating to either asbestos or terrorism.

protection for any principal for claims arising out of your work

  • the cost of defending a prosecution under the Health and Safety at Work Act or any UK corporate manslaughter / homicide Act
  • the cost of representation at any Coroner’s Inquest or Fatal Accident Inquiry
  • compensation for attendance at court as a witness
  • unsatisfied UK court judgments extension. If an employee is injured at work by somebody else and the other person doesn’t pay the court award that your employee gets from them, it can be covered by this policy.

Contractors All Risks

  • Contract works up to 125% of the estimated contract value, your declared maximum contract value or the sum insured in the schedule, whichever is less
  • Temporary buildings up to the sum insured
  • Construction plant, tools, and equipment up to the sum insured
  • Hired-in property up to the sum insured
  • Employees' tools and personal effects whilst on site up to the sum insured

Extensions

  • Debris removal up to 10% of the contract value
  • Public authority requirements up to the sum insured in the schedule
  • Free issue materials provided their value is included in the contract value declared to us
  • Material stored off-site for up to 15% of the sum insured or £25,000 which is the less
  • Plans and documents up to £25,000
  • Damage to property built for speculation until it is sold for up to 90 days after completion
  • Show house contents up to £25,000
  • Expediting expenses (overtime, weekend and shift working, plant hire charges and express delivery charges) following insured damage
  • Continuing hire charges up to £25,000

Reinstatement

  • Cover is for the cost of repair, reinstatement or replacement less an appropriate deduction for wear and tear

Legal Expenses

  • Legal and Accountancy costs of up to £100,000 per claim are covered, up to a maximum of £1,000,000 in any one period of insurance
  • Legal and Tax advice available 24/7
  • Debt Counselling available 24/7
  • Legal costs to:
    • Defend your rights in disputes with employees over employment matters. Cover extends to include the cost of awards made against you but to be covered you must contact Arc Legal on the helpline number to obtain our authorisation before dismissing an employee or making any significant changes to their employment terms
    • Defend your, or your employees legal rights following a criminal prosecution relating to your business. There is no cover for motoring prosecutions, prosecutions relating to deliberate discrimination or prosecutions under the Health and Safety legislation
    • Pursue your rights in an appeal against enforcement or other notices served on you under part 5 of the Data Protection Act but there is no cover for claims arising from a failure to register as a Data Controller
    • Pursue a claim against a party causing damage to your property resulting in financial loss but there is no cover for any claim involving a motor vehicle belonging to You or in Your possession except whilst on Your Business Premises
    • Pursue a claim against a party for death or bodily injury, but there is no cover for any claim arising from an accident/incident giving rise to Bodily Injury or death which occurred prior to inception of this insurance
    • Pursue or defend a dispute with a customer or supplier over a contract to supply goods or services, but:
      • you will have to pay for the first £250 of any claim increasing to £500 where the amount in dispute exceeds £5,000.
      • claims will only be covered where the contract started after you first purchased this cover, where at least £250 is in dispute and where the dispute does not relate to motor vehicles
      • there is no cover for disputes relating to lease or licence matters.
  • there is no cover for event occurring within the first 90 days of the start of the first period of insurance Your Attendance Expenses for Jury Service
  • Accountancy fees to deal with Business Full & Aspect Enquiries, VAT Dispute or PAYE Audit inspection, but there is no cover for:
    • Any matter involving Tax or National Insurance avoidance schemes
    • Costs incurred in dealing with routine matters
    • Any costs relating to matters involving the Special Compliance Office
    • Any claim where you have failed to maintain or submit accurate, truthful or up to date records
E.g., 11 Dec 2017

ACL Making a Claim

If you need to make a claim on your Tradesman or Contractor’s Liability insurance, call the Zenith Marque claims team on 0800 072 2050.

For legal expenses claims with this policy call Arc Legal on 0344 770 9000 or email enquiries@arclegal.co.uk