What is Agricultural Engineers and Agricultural Contracting Insurance?
Agricultural engineers and farming contractors work on other people’s property, quite often with tools and equipment that have the potential to cause injury or damage.
Agricultural Engineers’ and Agricultural Contracting Insurance will protect you from the many day-to-day risks you’re exposed to while working at a clients’ farm, with the appropriate cover to help mitigate your financial losses should an accident happen.
This type of insurance can include a number of different types of cover, including: public liability, employers’ liability, tools cover, and personal accident insurance.
Employers’ liability insurance for agricultural engineers and farming contractors
Farming contractors will often employ others to assist with their business. If this is the case, you’ll need to have employers’ liability insurance. This is a legal obligation, even if you’re only employing temporary or casual workers.
In the event that one of your team has an accident, for example, they trap their hand in a piece of heavy farming equipment and are unable to work, they could make a claim against you for the injury, losses and damages they’ve suffered. Your employers’ liability insurance will cushion you from the cost of compensation and legal costs.
Public liability insurance for agricultural contracting
Farm contracting insurance should also include public liability cover.
This will protect you should a client or a member of the public claim to have suffered a loss or injury, or incur damage, as a result of your business activity. For example, a visitor to the farm trips over your sheep shearing cable and breaks their arm.
Your public liability insurance works to protect you from financial losses by covering compensation claims or legal costs.
What additional cover do I need for Agricultural Contracting?
In addition to employers’ liability insurance and public liability insurance, we can arrange optional extras, such as cover for your tools, and personal accident insurance.
We understand how critical your tools are to your livelihood, and the impact their loss, damage, or theft would have on your ability to earn a living. Not to mention the cost of replacing them out of your own pocket.
Including tools cover in your Agricultural Contracting Insurance policy provides peace of mind that replacement can be arranged quickly, ensuring minimal disruption to your business.
If you, or any named person on your policy, suffers an accident, illness, or injury, it could have a major impact on your business.
Personal accident works to mitigate your financial losses, helping to keep your business going during tough times.