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Farmshield Agricultural Contractors' Insurance

Who needs agricultural contractors' insurance?

Contracting businesses that supply services such as cultivation, drilling, harvesting or hedge cutting to the agricultural industry, should obtain agricultural contractors' insurance.

Our in-house liability scheme, Farmshield, is designed for:

  • Agricultural contractors' and associated trades
  • Members of the National Association of Agricultural Contractors' (NAAC)
  • Agricultural contractors' seeking public liability insurance

Plus, we can offer discounted rates for NAAC members and a convenient in-house claims service with access to specialist loss adjusters (Spa Crop Consultants).

Why choose Jelf for agricultural contractors' insurance?

We have more than 50 years experience in agriculture and a team of specialist agricultural insurance brokers that understand the needs of your business.

What does agricultural contractors' insurance cover?

In conjunction with the NAAC, we've developed Farmshield, an exclusive scheme which covers risks like spray drift, failure to germinate and incorrect agronomy advice resulting in loss.

Cover also includes (but is not limited to) the following:

  • Public/product liability from 1,000,000 - 10,000,000
  • Damage to crops being treated
  • Errors and omissions 

 

  • Failure of chemical to perform its function
  • Incorrect advice given with products supplied provided no fee for that advice is charged
  • Environmental clean-up costs related to public liability
  • Loss of yield
  • Crop striping

Cover for machinery and plant is also available.


Frequently asked questions

Q
Why do I need agricultural contractor insurance?
A

There are many risks involved in the work you do on your client’s farms:

  • Injury to others
  • Damage to crops
  • Livestock
  • Equipment
  • Theft of property
  • Illness
  • Weather events
  • Legal costs

and many more that can hurt your business. Having the correct insurance in place will protect you when you need it.


Q
Will a public liability policy provide cover if I am negligent?
A

Yes. Public Liability policy wordings refer to cover being triggered by an accident, including those arising from negligence. An accident is considered to be an undesired mishap, or unexpected event. It is the responsibility of the insured to prove that an accidental incident has occurred, and that it was not premeditated or planned. This applies to property damage, and liability claims. A more detailed explanation can be found within the relevant policy wording.


Q
As a contractor, do I need public liability insurance?
A

Yes. Public Liability policy wordings refer to cover being triggered by an accident, including those arising from negligence. An accident is considered to be an undesired mishap, or unexpected event. It is the responsibility of the insured to prove that an accidental incident has occurred, and that it was not premeditated or planned. This applies to property damage, and liability claims. A more detailed explanation can be found within the relevant policy wording.


Q
Should I insure against the costs of the environmental damage I might cause?
A

That would be our recommendation. If you are held responsible for a pollution event, the Environment Agency has the power to impose these clean-up costs upon you, including the costs incurred by their consultants or contractors.


Q
What types of agricultural equipment typically require inspection?
A

Many machines around a farm require regular checks including: steam boilers, air pressure plants, refrigeration plants, hot water heating/supply systems, fork lift trucks, lifting plant including blocks and tackle, personnel lifts, excavators/loading shovels, telehandlers, general electrical/mechanical plants.

 


Q
What is covered under legal protection?
A

We offer a specialist legal expenses cover for contractors that includes: contract disputes, criminal prosecution, wrongful arrest, employment disputes, property disputes, tax, arbitration and agricultural land, Basic Payment Scheme, personal injury and more.


Q
How often am I required to undertake Lifting Operations and Lifting Equipment Regulations (LOLER) inspections
A

Lifting equipment has to be inspected once a year, unless it has a man cage, in which case it must be checked every 6 months.