Agricultural contractor insurance

Public liability insurance

In case contracting business causes an injury, illness, or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your business
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

For example:

• you leave a piece of machinery out in a field and your client’s employee trips over it, breaking their knee
• a product you’ve used on the sheep in your care causes an allergic reaction, and you’re sued for damages

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your apprentice falls from a height while working with you, breaking both legs
• one of your casual workers is struck by a tractor while working for you, and needs an operation

Business and office equipment insurance

In case something happens to equipment like your phone or computer.

What’s typically covered by business and office equipment insurance?

• accidental damage to your fixtures and fittings, or the equipment you use to run your business
• theft, flood, and fire damage

For example:

• your employee drops your laptop from a height, damaging it beyond repair
• a flood in your small home office damages the desktop computer you use for work

Read more about business and office equipment insurance

Tools insurance

In case your hand or power tools are lost, stolen, or damaged.

What’s typically covered by builders tools insurance?

• loss, damage, or theft of your hand tools, power tools, and certain specialist agricultural equipment

For example:

• you buy new tools for a large summer contract and these are damaged in a flood over the new year holiday
• the crop-spraying tools you keep in stock are stolen from the locked business unit

Read more about tools insurance

Stock insurance

In case the supplies you rely on are lost, stolen, or damaged.

What’s typically covered by stock insurance?

• loss, damage, or theft of the products and materials you keep in stock, like fencing supplies

For example:

• a flood in your premises destroys the fencing materials you’re keeping in stock for a client
• you need to replace a new order of calving supplies, after a fire causes damage to your store room

Read more about stock insurance

Legal expenses insurance

In case you have to pay legal costs connected with your business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your business
• property damage, nuisance, or trespass and associated legal costs
• HMRC, tax, and compliance issues, if they come up
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

• a client claims that you’ve exposed their confidential information, and you need to pay for legal representation
• your health and safety practices come under investigation, incurring legal fees

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

• accidental injury or death at or outside of work, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• a horse kicks you and you suffer a serious lower back injury, taking you away from the business
• your employee traps their fingers in a van door while driving home, and can’t operate machinery for a couple of months

Read more about personal accident insurance