Does your property require non-standard insurance?
Specialists in farming insurance for over 20 years
Covering the farmers of the North-West and beyond
We can provide a robust and comprehensive cover for your individual farming requirements and with a farmer in the midst of our team of specialists, we’re suitably equipped to get to the roots of what you need.
We’re even willing to go the extra mile and visit your farm to ensure to help us get clear vision of your insurance requirements.
Are you looking to cover your farm for diversification ventures such as children’s parties or school trips?
We can help arrange cover for non-standard activites on your farm for when you’re looking to branch out.
Farm Combined Insurance
Assessing the risks on your farm
Risk Assessment is important and you are expected to take reasonable measures to minimise risks in your workplace. There are online forms/guides to help you do this, as well as training courses and guidance from Health and Safety Executive (HSE).
Recognising any potential hazards
The HSE website can help you with this. Walk around your farm, talk to your workers and look at it from all angles.
Identifying those at risk
Consider who can be harmed by any hazards you find, would it be your employees, members of the public or even your livestock?
Consider how to deal with individual risks and take action
Go through every risk you have identified and take note of how you can either eliminate or reduce them. Ensure you have control over every risk.
Keep a record of your findings and put precautions in place
Once you’ve noted how to control the risks, take action to put these steps into place. Make sure your staff are fully aware of these too.
Regularly review, update and improve
Things are always changing and moving in the rural industry, therefore you need to make sure you keep up with the changes in your farm as these can bring new risks.
The Rural Protect Scheme
You can benefit from Rural Protect, a bespoke management liability policy designed to protect your rural business
Drawing on 20 years of experience of the issues facing the rural community
The Rural Protect scheme has been developed by the Rural Insurance specialists at HB underwriting in partnership with AXA, who found that regular agricultural insurance does not provide the level of cover required for the modern rural business. This policy covers a number of risks which may not necessarily be covered otherwise.
Offering Three Levels of Comprehensive Cover
Overview
With Rural Protect, the same level of protection offered is the same for farm partnerships, sole traders and directors of limited companies.
This includes:
- Personal liability – Covers for incidents where you are legally responsible
- Company liability – Covers for incidents where your company is legally responsible
- Employment practice liability (optional) – Covers employers for claims made against them by employees
Covers Defence Costs from all UK Enforcement Agencies
This policy covers all fees of defending your business from all UK regulators, including the cost of investigation, prosecution and warnings.
Including:
- HMRC
- HSE
- VOSA
- UK Border Agency
- Companies House
- Environment
- DVSA
- Police
- RSPCA
- Forestry commission
Support and Cover for Disputes
This policy can offer support and cover in a wide range of legal matters/disputes with third parties. This could include suppliers, completion, neighbouring farms, customers, employees, shareholders, creditors and landlords.
With this policy, both investigation and defence costs are covered, plus awards. The fees for professionals such as forensic accounts and mechanics used during the investigation and defence process will also be covered.
Features include:
- Single farm payment appeals
- Pollution clean-up costs up to 25k as standard
- Employment tribunals
- HR
- Taxation
- Health and safety
- Cyber Liability
- Pursuit cover – legal costs of you pursing a third party
- Rent arbitration dispute
- Employee theft/dishonesty
- Civil action – from neighbouring farms to suppliers, employees and customers
- Pension administration
Additional Features
Frequently Asked Questions
Am I covered for game bird shooting on my land? 
Cover can be provided for game bird shooting. Just make sure it’s made clear you need this when we source your policy.
I am looking to use my land for commercial use such as camping, nature walks and school visits – will I be covered for this?
Yes, a lot of farmers we work with diversify their land and we can offer you protection for things like camping in tents/caravans/huts, cycling, walking, school trips and even farmer’s markets. Just let us know what you want to do and we’ll let you know what cover can be provided.
My farm is over 1000 acres, can you still arrange insurance for me?
Of course. We can arrange insurance for farms of all sizes.
How do I determine how much cover I need for my farm?
You will need to complete a risk assessment of your farm, which we can help with at The Insurance Centre, to provide an insight into how much cover you need. This would cover factors such as the type, size and scale of your farm and the business activities undertaken.
