At Cornish Mutual, we do not believe in encouraging
you to buy farm insurance cover that 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.
Serving the rural community
All our farming Members have access to the service of our local
Insurance Inspectors, we believe that being based in the rural
community makes them more accessible to our Members and better able
to understand their insurance needs. They would be happy to visit
you and can offer a free healthcheck of your farm insurances. To
find out more about farm insurance in your area along with who to
contact visit one of the following pages:
Cornwall Farm
Insurance
Devon Farm Insurance
Somerset Farm
Insurance
Dorset Farm Insurance
