Many machines around a farm require regular checks to keep them in good working condition and to ensure they comply with Provision and Use of Work Equipment Regulations 1998 (PUWER).1
What our farm diversification insurance team can do for you
You're busy running your business. We appreciate that, so we work with specialist insurers that understand the risks associated with the commercial activities you may run alongside your farming business. We make insurance one less thing for you to worry about. We're here to protect your business and minimise disruption – should the unthinkable happen.
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Frequently asked questions
Many machines around a farm require regular checks including: steam boilers, air pressure plants, refrigeration plants, hot water heating/supply systems,fork lift trucks, lifting plant including blocks and tackle,personnel lifts, excavators/loading shovels, telehandlers, general electrical/mechanical plants.
As a contractor, much of the work you do on your client's farms involve day-to-day risks, involving:
- Injury to others
- Damage to crops
- Livestock
- Equipment
- Theft of property
- Illness
- Weather events
- Legal costs
These are just a few examples; there are many more that can have a devastating impact on your business. By having the correct farming contractors insurance in place, you will be protected from these risks when you need it most.
If you are held responsible for an incident that's caused environmental pollution, the Environment Agency has the power to impose cleanup costs upon you. This includes the costs incurred by their consultants or contractors. Accidents happen, so we would strongly recommend you protect yourself against the possibility of causing environmental liability.
As an agricultural contractor, you need to protect yourself against compensation claims made by a member of the public for injury or damage to their property. For example, someone may trip over your tools when you're working and sustains an injury. If you're held responsible, your public liability insurance could cover the legal fees and compensation costs.
Yes, if you are held responsible for a pollution event, the Environment Agency has the power to impose these clean up costs upon you, including the costs incurred by their consultants or contractors and even where the event occurs on your own land. Find out more about environmental liability cover.
We provide a specialist legal expenses cover for farmers that includes: contract disputes, criminal prosecution, wrongful arrest, employment disputes, property disputes, tax, arbitration and agricultural land, Basic Payment Scheme, personal injury and more.
There are so many risks in farming. Injury to your employees or members of the public, damage to your crops, livestock, equipment, theft of property, illness, weather events, legals costs and many more that can hurt your business. Having the correct insurance in place will protect your farm and your business.
