Essentially
an adaptation of our farm insurance product, our smallholder
insurance can be tailored to the needs of those with less land,
premises and livestock than a traditional farm.
If your
smallholding is less than 50 acres, we can arrange for one of our
local Insurance Inspectors to visit you and discuss your own
individual insurance needs. We also can accommodate larger acreages
if required, under our farm policy.
Public & Products Liability
Cover
As with all our insurance products, the
key cover for our smallholder insurance is protection against risks
that, if they occur, would threaten the survival of your business.
We strongly recommend that every smallholder should have public
liability cover to protect them against claims for damage or injury
to persons or their property which can be attributed to their
negligence - indeed for some of our policies, this cover is in fact
compulsory.
Employers' Liability
Cover
Although most smallholders do not
employ people, our smallholder insurance does include employers'
liability cover as an option. If you employ people on your
smallholding, this cover will protect you should one of them be
injured and it is proved that it was your
responsibility.
Although the law does not specifically
require you to have employers' liability insurance for close
relatives, it is always advisable 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 & Vehicle
Cover
Our property insurance offers cover for
any agricultural buildings, livestock, produce, fuels and
fertilizers, animal feed, machinery and vehicles - whether
agricultural or otherwise - you may have, and can be tailored to
your own individual needs.
There are various covers and excess
level options available. For example, our livestock insurance has
choices which include fire, lightning, accidental injury, death,
straying, transit or certain diseases. We can also insure specific
pedigree animals such as sheep, rams and bulls.
