Farm Insurance
Every farm is unique. That’s why, when you ask us to review your insurances, we work with you to gain a real understanding of your business, and develop an insurance package that truly meets your needs.
At Cornish Mutual, we do not believe in encouraging you to buy cover you do not want. Our philosophy is to work with each Member so that their insurances genuinely meet their needs.
Public Liability Cover
Our starting point is protection against risks that, if they occur, would threaten the survival of your business. We therefore strongly recommend that every farmer should have public liability cover.
Employers' Liability Cover
Employers' liability cover protects you should an employee be injured and it is proved that it was your responsibility… and the legislation placing such responsibility on farmers is growing all the time. While we’ll work with you to spot and minimise the risks you face, insurance provides a 'sleep easy' protection in case things do go wrong
Although the law does not specifically require you to take employers’ liability insurance for close relatives, it is a good idea to take out cover for everyone you employ. This way, should an accident happen, your relative can receive the same compensation as any other worker.
Property Insurance
Insurance of your property, including farmhouse, cottages, farm buildings, livestock, deadstock or vehicles, will be decided on the basis of what you want to insure.
The options are wide: you can decide to not insure certain buildings and, for those you do, select cover and excess levels that suit you. For livestock, the choices include fire, lightning, accidental injury, death, straying, transit or a specific disease.
Personal Accident Cover
Accidents do happen, whether at work or elsewhere. We can provide personal accident insurance, which pays benefits should you be unable to work – especially important for self-employed farmers.
Cornish Mutual Members value our honesty and openness. If you deal with us you can be assured that, as a Mutual Insurer, your premium will work hard for your benefit and not be passed to shareholders.
To discuss your farm’s insurance needs, see your local Insurance Inspector or contact…
Linda Smaldon
Commercial and Farms Supervisor
Tel: 01872 246183
Sue Piper
Farm & Personal Lines Underwriter
Tel: 01872 246184
Tracey Allen
Commercial and Farm Underwriter
Tel: 01872 246186
Disclaimer
Full details of our insurance products are available from your local Insurance Inspector or our offices in Devon and Cornwall
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Cornish Mutual is a trading name of The Cornish Mutual Assurance Co. Ltd. We are Authorised and Regulated by the Financial Services Authority. The products featured on this site are available to UK residents only and, unless otherwise stated, are provided by The Cornish Mutual Assurance Co. Ltd. No advice on investments has been given. If you are in any doubt as to the suitability of a product you should seek independent advice. Please note all calls may be recorded for security and training purposes.