• One insurance policy caters for farm insurance and household insurance

• Unique approach to business interruption insurance cover (no average)
• Storm insurance available for non-standard buildings
• Theft insurance cover in the open available, low excess
• Livestock insurance covers all under one section - cattle passport cover available (all risks)

• Household buildings insurance - includes loss or damage to buildings by fire, lightning, storm, escape of water/oil, theft, malicious damage, riot and subsidence; loss of rent and alternative accommodation costs; accidental damage and breakage; liability for third party claims; legal fees for repossessing from squatters

• Household contents insurance – includes loss or damage to the buildings by fire, lightning, storm, escape of water/oil, theft, malicious damage, riot and subsidence; loss of rent and alternative accommodation costs; accidental damage to mirrors, ceramic hobs or electronic equipment; liability for third party claims; accidental damage to office equipment; freezer contents

• Household ‘all risks’ insurance – includes loss or damage to personal effects while temporarily away from the home; loss of personal money while temporarily away from the home;  personal clothing

• Domestic animals insurance - includes death or humane destruction after accidental bodily injury;  veterinary fees after accidental bodily injury or illness; optional - death or humane destruction after bodily illness; total or partial loss of use; theft or straying

• Caravan insurance - includes loss or damage within the British Isles or Europe; delivery;  alternative accommodations costs; liability for third party claims; repair or replacement of furniture, furnishings, utensils and household linen

• Farm buildings insurance - includes fire, explosion, lightning, aircraft; wet perils, riot, impact or theft; full rebuilding cost; debris removal, professional fees and compliance with public authority regulations

• Farm contents insurance - includes fire, explosion, lightning, aircraft, riot and impact; property temporarily removed, property held in trust and debris removal. Options to include wet perils, or theft

• Livestock insurance - includes fire, explosion, lightning, aircraft, riot and impact, electrocution. Options to include fatal injury to livestock, livestock in transit, livestock worrying, all risks mortality and loss of use/infertility, foot and mouth, brucellosis, tuberculosis, vets fees and debris removal costs

• Loss of revenue insurance - includes loss of revenue and additional expenditure, fire, explosion, lightning and aircraft, impact, electrocution of livestock, three-year indemnity period, prevention of access, hire of replacement agricultural machinery for losses. Options to include wet perils and theft

• Employer’s liability insurance – includes legal liabilities for injury to any employee; legal costs; Agricultural Wages Act cover

• Public/products liability insurance – includes legal liability for accidental injury, accidental loss or damage to property, nuisance or trespass; legal defence costs

• Money insurance – includes money not contained in a locked safe in the insured office premises outside business hours or private dwelling; money from an approved locked safe; death or disablement from assault

• Milk-in-tanks insurance - includes loss of milk caused by faulty operation of a thermostat, refrigerant fumes, accidental failure of public supply or inability to collect milk. Options to cover antibiotic contamination cover

• Goods in transit insurance – includes farm property while travelling, loaded or unloaded; debris removal;  transfer to another vehicle and travel after a loss

• Deterioration of stock insurance – includes deterioration of stock in an approved cold chamber after temperature variation or refrigerant fumes

• Farm ‘all risks’ insurance - includes loss or damage caused by an accident or misfortune

• Computer equipment insurance – includes all risks cover to computer equipment; mechanical or electrical breakdown;  business interruption; re-producing computer systems records

• Hail (crops) insurance – includes crop damage caused by hail

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• Personal accident and sickness insurance – includes bodily injury or sickness; 24-hour worldwide cover; a capital lump sum after injury resulting in death, permanent total loss of one or more limbs, sight, hearing, paralysis or insanity and disablement;  weekly benefits for an accident causing disablement or sickness causing disablement

• Legal Expenses insurance - includes expenses caused by conduct of the insured’s business and personal life which relate to the pursuit of defence of any claim

   Questions? Contact us