Farm or agricultural insurance is usually provided as an insurance package designed specifically for agricultural businesses, buildings, tools and output. It offers protection under a single policy for aspects including farm machinery and equipment, livestock, buildings, profits and produce.
Cover includes
- Property cover, including farm buildings, produce, deadstock and machinery; home buildings and contents; and let properties
- Employers, public and products liability
- Diversification
- Legal expenses, professional liability and directors’ and officers’ liability
- Environmental pollution
- Loss of revenue
- Livestock and goods in transit
- Income protection
- Specialist all-risks cover, including electronic equipment, computers, farm animal milking and feeding systems, and farm animal semen
- Uncollected milk due to adverse weather and contamination of milk through antibiotics