Who needs agricultural contractors insurance?
As a supplier of spraying and fertiliser spreading services, cultivation, drilling, harvesting or hedge cutting services to businesses in the agricultural industry, you face many risks and challenges. We understand these risks and have developed Farmshield, our in-house liability scheme that offers protection for agricultural contractors and associated trades in need of public liability insurance.
How our agricultural contractors insurance team can help you
With many years of experience in the field of agricultural contractors insurance, it's safe to say our team of farm insurance experts know a thing or two about this market.
We understand the challenges you face as a contractor; we find ways to manage your risks and arrange cover to protect you.
Why choose us for agricultural contractors' insurance?
We have more than 50 years experience in agriculture and a team of specialist agricultural insurance brokers that understand the needs of your business.
Get in touch with our farming insurance experts
How agricultural contractors insurance protects you
Farmshield is an exclusive scheme that protects your business against risks such as spray drift, failure to germinate and incorrect agronomy advice that results in loss or damage to crops.
The cover also includes (but is not limited to) the following:
- public/product liability from £1m - £5m
- damage to crops being treated
- errors and omissions
- failure of chemical to perform its function
- incorrect advice given with products supplied, provided no fee for that advice is charged
- environmental cleanup costs related to public liability
- loss of yield
- crop striping
- Excess starting from £500
- cover for machinery and plant is also available.
As with all insurances terms and conditions, excesses and exclusions apply. For full details of cover and exclusions please refer to the policy document.
Frequently asked questions
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Many machines around a farm require regular checks including: steam boilers, air pressure plants, refrigeration plants, hot water heating/supply systems,fork lift trucks, lifting plant including blocks and tackle,personnel lifts, excavators/loading shovels, telehandlers, general electrical/mechanical plants.
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As a contractor, much of the work you do on your client's farms involve day-to-day risks, involving:
- Injury to others
- Damage to crops
- Livestock
- Equipment
- Theft of property
- Illness
- Weather events
- Legal costs
These are just a few examples; there are many more that can have a devastating impact on your business. By having the correct farming contractors insurance in place, you will be protected from these risks when you need it most.
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Many machines around a farm require regular checks to keep them in good working condition and to ensure they comply with Provision and Use of Work Equipment Regulations 1998 (PUWER).1
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If you are held responsible for an incident that's caused environmental pollution, the Environment Agency has the power to impose cleanup costs upon you. This includes the costs incurred by their consultants or contractors. Accidents happen, so we would strongly recommend you protect yourself against the possibility of causing environmental liability.
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As an agricultural contractor, you need to protect yourself against compensation claims made by a member of the public for injury or damage to their property. For example, someone may trip over your tools when you're working and sustains an injury. If you're held responsible, your public liability insurance could cover the legal fees and compensation costs.
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Yes, if you are held responsible for a pollution event, the Environment Agency has the power to impose these clean up costs upon you, including the costs incurred by their consultants or contractors and even where the event occurs on your own land. Find out more about environmental liability cover.
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We provide a specialist legal expenses cover for farmers that includes: contract disputes, criminal prosecution, wrongful arrest, employment disputes, property disputes, tax, arbitration and agricultural land, Basic Payment Scheme, personal injury and more.
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There are so many risks in farming. Injury to your employees or members of the public, damage to your crops, livestock, equipment, theft of property, illness, weather events, legals costs and many more that can hurt your business. Having the correct insurance in place will protect your farm and your business.
