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