INSURANCE POLICIES OVERVIEW
Farm Insurance & Diversification
Farming today has changed. Whether you are an estate, dairy, beef, sheep, poultry or cereal farmer, the chances are you are also letting buildings, providing livery stables and storage facilities. You may even be producing your own completed products for retail or have a golf course or visitor's attraction on your land!
One thing you can be sure of, you need an insurance policy that understands farming today and indeed, farming tomorrow. With access to the country's leading insurers in agriculture together with a wealth of experience and knowledge in both farming and insurance, you can be sure that we have the right insurances for you.
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Garden Centre & Nursery Insurance
Whether you are wholesale or retail, whatever you grow and sell, we can insure it. From bedding plants and exotic trees to garden equipment and coffee shops - our tailored policies will provide the cover you need to grow your business.
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Agricultural Dealership Insurance
As well as uniform business insurances such as Material Damage, Public, Products and Employers Liability, Business Interruption etc, our exclusive Agricultural Dealership policies provide essential cover for your own and customer's vehicles, transit risks, part and whole goods cover.
They are specifically designed for the dealership trade and with expert advice on the end of the line, we are also able to take care of your MID requirements where required.
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Motor Trade Insurance
Our exclusive Motor Trade policies offer comprehensive Commercial Business insurance including Material Damage, Business Interuption, Public/Product/Employers Liability and extend to include associated risks such as Road Risks, Customer's Vehicles, Goods In Transit. In conjunction with the Motor Trade policy, we are able to take care o fyour MID legal requirements, if requested.
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Environmental Liability Insurance
In March 2009 a new law was introduced which affects all business owners including farmers and growers. The new law now means that you will be held responsible, not only for cleaning up the pollution or damage to environment you have caused but also for returning the habitat to its previous state prior to the pollution. This includes pollution on your own land. If you have a Source of Special Scientific Interest (SSSI) on your property, the cost of this new law could run into thousands of pounds.
Some insurers offer "pollution liability insurance" but this is often only for accidental pollution and not gradual pollution. This cover may also NOT insure you if the pollution occurs on your own land, leaving you to foot the costly bill ahead.
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Motor Insurance
From tractors, diggers, trailers and implements,to private cars, commercial vehicles and ATV's , our fleet policies provide the ideal solution for all your business and private motor insurances.
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High Net Worth Insurance
Household insurance for properties from £100,000 to £50,000,000. Contents cover from £50,000 to in excess of £100,000. Policies include Fine Art & Antiques, jewellery as well as options to extend to include second home and overseas properties plus Travel and breakdown covers.
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Estate Insurance
Commercial & Residential Property Owners Liability for Estates from 4-400+ properties. Policies also cater for the Estate lifestyle including fishing and shooting events.
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