With
the help of their family, David and Sara Buscombe run the Cornish
Mill and Bakehouse from a farm outside Newquay. They have insured
with Cornish Mutual for the last four years.
The business is run with self-sufficiency in mind, so everything
grown or reared on the farm contributes to the family or the
bakery. The pigs are used for the pork pies and cattle for the
pasties. They farm 25-30 acres of grain that is used in some of
their breads and supplied locally.
One of their biggest investments has been in their own mill,
which not only provides flour for baking - they recently supplied
Jamie Oliver's Fifteen restaurant with flour during its Cornish
Month - but also feed for the pigs and horses.
Their popular market stalls sell a range of breads, cakes, pies,
biscuits and pasties and they also supply several local cafes.
A range of risks
The insurance David and Sara have with Cornish Mutual covers a
range of risks for the different aspects of the business.
Public and
product liability cover offers them protection against
unforeseen risks that could threaten the future of the
business.
Employer's liability cover protects them if
they are liable for an injury to an employee.
Meanwhile, items like the equipment in the bakery, agricultural
vehicles, the mill, their home contents and takings from the stall
whilst in transit are also all protected.
Peace of mind
David Buscombe says: "Insurance is a necessary 'just in case'
decision in order to ensure that my business continues to run
smoothly. Cornish Mutual helps me manage my risks in an effective
manner through my local Insurance Inspector, who is on hand to
offer advice, manage quotes and even help with any claim
queries.
"Just recently I had to make a claim for a broken pie warmer
worth about £300. My Insurance Inspector submitted the claim form
for me on the Thursday and on Saturday I received the cheque. It is
this type of service that offers me peace of mind and allows me to
run my business without interruption."
For further information on the Cornish Mill and Bakehouse
visit their stall in Lemon Quay, Truro on Wednesdays and Saturdays
or the Moor, Falmouth on Tuesdays.
