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A fully integrated contract from household insurance through
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)
- 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, 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 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
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
- 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
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