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Farm Insurance
Farm Insurance can be a complex topic. If you get it wrong the results can be potentially devastating. Having comprehensive cover for farm assets and income is vital to most farmers. Achieving that at the most cost effective price is also crucial.
We can help manage the risks by providing expert advice and experience on farm insurance, backed up by a broad, yet cost-effective range of insurance covers to protect your livelihood.
How does your current insurance rate? Are your assets protected and your income assured? Consider, for example:
Loss of income resulting from asset damage
Does your current insurance policy include cover for loss of farm income and increased costs as a result of damage to your farm assets? This is an important area too often overlooked.
Liability for damage to others property
If you or your employees damage property belonging to someone else you could be held liable and become responsible for covering any losses. You may also be subject to statutory fines and penalties in certain cases. Your farm insurance package should include cover for your Farm Liabilities.
Cover for livestock and farm dogs
Many insurance policies for Farm Assets don't include automatic cover for Livestock and Farm Dogs. Either a separate policy is needed or you need to purchase optional livestock cover extensions for your existing policies.
Personal cover for "non-farm" assets
Personal insurance requirements are not covered by your farm insurance. Separate arrangements should be made for things such as your home, private (non-farm) vehicles and pleasurecraft.