Rural Insurance

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Guide to cover

Combined policies to allow all aspects of your Agricultural needs to be insured in one place, whether you’re an estate, dairy or arable farmer.

Rural Insurance is designed to protect your farm, vehicles and business against property, legal, liabilities and financial losses, whether your trade is interrupted, or a building is destroyed by an insured peril such as fire or flood.

We understand the importance in diversifying your farm and potential in maximising your business opportunities. We are therefore able to cover let properties, whether to businesses or individuals, extending to holiday letting. We can also cover garden centres, adventure parks and more.

Consider for example, you are an arable farm, selling your produce. There is a fire destroying all of your stock and any property involved, leaving your business with no stock and unable to fulfil imminent orders. Not only could the policy cover the loss of revenue from the stock and reinstate the property that was destroyed in the fire, but it could also minimise the impact of the interruption by funding the temporary hire or replacement equipment where economical to do so to fulfil the imminent bookings, ie. the increased cost of working and in turn, not letting clients down and retaining your reputation.

Please contact Ryan Berger on 01962 671 977 or the main office on 01962 774421, if you would like to discuss your Rural Insurance. Alternatively, if your renewal date isn’t within 60 days, please complete our Renewal Date form by clicking the button below and we will get in touch with you closer to the time.

Renewal Date

Available Cover

  • Property Damage and Livestock

  • Public, Products and Employers Liability

  • Business Interruption

  • Goods in Transit

  • Contractors All Risks

Faqs

Is Public Liability a Legal Requirement?

Although not normally a legal requirement, Public Liability Insurance should be considered essential. Public Liability provides indemnity in respect of the legal liability for damage or injury caused to third parties or their property by the Insured.

If you have clients who are large companies or Local Authorities, they will normally insist on you having a Public Liability Limit of at least £5m indemnity limit, as a prerequisite to tender. Temporary increases in the limit can be arranged.

Do I need Employers Liability Insurance?

Employers have a legal obligation to carry Employers Liability Insurance which indemnifies the employer in respect of injury to its employees for which it is legally responsible. It is generally accepted by members of the Association of British Insurers that the minimum indemnity limit should be £10m. An employee is deemed to be any individual who undertakes any work for the insured whether paid or not.

There is a common misconception that Employers Liability is not required in regards to self-employed staff. For Marquee Companies this is rarely the case as such staff are normally working under the direction of the Employer, and are not Bona Fide Subcontractors. A Bona Fide Subcontractor carries their own insurance and provides their own method, tools and materials.

The legal penalties of failing to effect adequate Employers Liability insurance are severe, but perhaps even more significant are the implications of the potential cost of a successful claim against an uninsured company. In an increasingly litigious society, personal injury claims are becoming frequent and of greater magnitude.

What is Business Interruption Cover?

Following a loss of equipment or premises, a business may not be able to trade as normal until a replacement has been made. This can have a huge impact on inflatables hirers especially if the loss is right before the busiest time of the year!

The production lead time of suppliers can be lengthy, causing a major disruption. Business Interruption insurance enables a company to claim for resultant loss of ‘Gross Profit’ or ‘revenue’ relating to contracts which it cannot complete. The insurer can often minimise the claim by enabling the insured to complete contracts by funding the temporary hire or replacement equipment, i.e. the increased cost of working. This is also beneficial to the inflatable company as their clients will not be let down, enabling future repeat business and recommendations.

What is the Business Interruption Indemnity period and how do I know what Indemnity Period I need?

The Indemnity period under the policy should be the period during which the business is affected by the property damage loss and that period can only be decided by the business itself as circumstances will vary from business to business. For example, you should consider how long it will take to get your business back to its position prior to the damage taking into account factors such as time to find alternative premises or rebuilding, lead times to replace stock and even keeping your valuable employees and customers. For example, a shop has a fire and is unable to trade. If it takes 24 months to rebuild that shop and they are unable to trade in that period, 12 months indemnity would not be enough. Indemnity periods can start at 12 months and can go up to 24, 36 and even 48 months. Many people choose 12 months but if your property is large, or listed, extensive damage can easily take over a year to repair, leaving much of your interruption period uninsured.

SPEAK TO OUR INSURANCE ADVISORS

Always on hand to provide you with information, advice and guidance

01962 774421 [email protected]

Wind Gust Checker

ERECTING A MARQUEE? Use our handy tool to check the wind gust in your area.

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