Towergate Underwriting

Farm Combined Insurance for Brokers

Farm Insurance from Towergate AIUA

One farm policy to cover farm and household insurance for brokers

Farm Insurance

A fully integrated contract from household insurance through to livestock insurance, farm contents insurance, liability insurance to farm personal accident insurance.

  • One insurance policy caters for farm and household - full perils as standard
  • 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)

Key Features

  • 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 option for 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 option to include; 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, 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 option to include; Agricultural Wages Board 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
  • 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
  • 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

Contact Us

Towergate AIUA

Weekdays: 9.00am - 5.00pm