Running a working farm isn’t for the faint hearted or the lazy. Physically and mentally demanding, you’ll work long hours and the last thing you want to do when you get in is sort out your farm insurance policy.
BJP Insurance Brokers is a specialist business insurance broker with years of experience arranging cover for farmers.
What is Farm Insurance?
A farm insurance policy can be tailored to suit your particular needs, but in principle it’s an insurance policy designed to include cover for all of the risks that you face when running a farm, including cover for buildings and contents, livestock, vehicles and transporting goods. It can include protection for your tools and machinery, as well as public and employers liability.
What types of protection are typically included in a Farm Insurance policy?
Insurance for farms is typically divided up into a number of key areas:
- Farm property insurance (buildings and contents)
- Liability insurance for farmers
- Farm livestock insurance
- Farm vehicles cover
Other areas of protection that can be included in a farm insurance policy are:
- Money (including cattle ID documents)
- Legal expenses
- Goods in transit (Note – this usually excludes livestock)
You may also wish to consider environmental liability cover for farmers. This is designed to protect you from claims that you’ve in some way damaged the land through your business activities. It could be something as simple as leaked slurry getting into a local river and causing issues for the local wildlife.