Expert advice and excellent levels of cover for arable farmers

The policy covers any crops grown and potential loop holes are removed because of our ‘sow to sale’ principle. Policy holders have free access to telephone claims helplines 24 hours a day and premiums are payable by monthly direct debit.

This specialist arable farming policy has been designed to include:

• Deadstock (agricultural produce including growing crops not intended for sale and farm stock) automatically covered up £20,000
• Machinery plant, implements, tools, equipment, fixtures and fittings within specified limits
• Optional additional items of farm property creating flexibility for the diversifying farmer
• Business interruption insurance to cover any revenue e.g. caravan storage, farm shop, telephone masts, bed & breakfast, etc.
• Employers’ liability up to £10,000,000 – premium based on wage roll
• Public liability up to £5,000,000 – normally based on acreage of farm, but other activities, such as bed & breakfast may either take into account turnover or number of beds
• Money up to agreed limits
• Assault, personal accident and sickness up to specified limits
• Farm property in transit up to a standard limit of £3,000, e.g. this would cover fertilisers in a 30 ton trailer
• Supplementary all risks cover for items such as office equipment and portable tools up to agreed limits
• Commercial legal expenses up to £100,000 limit of indemnity – can be extended to include tenancy disputes
• Home insurance - buildings, contents and accidental cover for all homes listed
• Motor insurance to cover private cars, commercial vehicles, agricultural vehicles, trailers and attachments anywhere in the UK - up to £25,000 for any one item
• Terrorism insurance can be accomodated