In farming, there is a daily risk of legal action being taken against the farming business due to the very nature of this type of work. The cost of defending such claims can prove disastrous to a farmer’s livelihood, that’s where Liability insurance comes in. Agricultural Liability offers financial protection when claims are made against your farm, giving you peace of mind.
If you partake in additional business activities as part of your farm business, such as agricultural contracts, freeze branding or hoof trimming, then you need to consider extending your liability cover.
This type of liability is a must-have for any farm, as it makes sure your business is covered if a member of the public is injured on your farm. It also covers you if you are responsible for damage to another person’s property if cattle escape and cause damage to someone’s vehicle.
Product liability provides cover if the business has supplied or sold a product which has caused injury or damage to another person or property. For example, if antibiotics in a farmer’s milk contaminates a tanker load.
This provides cover if the business has caused injury or damage to an employee as result of negligence. As an employer, you have a legal responsibility to buy Employers’ Liability insurance. We provide £10 million as standard but higher limits are available.
Sometimes agricultural businesses can cause environmental damage as a result of farming processes and the cost of repairing the damage can be extremely high. We include cover for environmental damage up to £2 million, including costs, as standard.