Farm Combined | Farmsure

From Family Farm to Country Estate

Farms are unique – as unique as the land they work – and naturally, as a broker, you want insurance that exactly matches your client's needs, so they are always protected against life’s unexpected events.

Our Farm Combined offers you everything from the everyday insurances through to a vast array of comprehensive covers for even the most specialist and diversified farms. It is generous enough to cover an entire farm and yet flexible enough to meet its specific requirements as it grows and diversifies.

And all this wrapped up on one convenient, easy-to-understand policy at an affordable premium.

WE'VE GOT YOU COVERED

Our Farm Combined Insurance Policy gives exceptional and flexible cover for your client’s entire farm, their home and their employees.

Our policy offers cover for all the following key areas.

Home Insurance
Farm Buildings
Machinery/Equipment
Produce
Livestock
Livestock Diseases
Milk in Tanks
Deterioration of Stock
Money
Revenue
Liability Insurance
Personal Accident
Commercial Legal Expenses

INSURANCE YOU CAN TRUST

Farmsure covers hundreds of farms and smallholdings and their vehicles. And we’ve done so for over twenty years.

We have a team of dedicated underwriters with specialist agricultural experience, so you can be confident that we’ve got the necessary knowledge and know-how to provide the cover you need.

Our Farm Combined Policy is backed by the multi-billion revenue Markel International which has been rated “A” by both S&P and A.M. Best. (Markel, June 2023)

So, when you insure with us you can be confident in our people and the cover you receive.

FARM COMBINED INSURANCE

Our Farm Combined policy gives a comprehensive cover for farms, their staff, farmhouse and families. Here’s just a small flavour of what you can expect from our insurance.

Peace of Mind for Every Size and Type of Farm:

From Family Farms to Country Estates

Dairy

Livestock

Arable

Mixed Farming

Poultry

Owner Farmers or Tenant Farmers

Protection for up to 12 vital areas of your client's farm business: from buildings to Brucellosis and legal costs to home contents – we’ve got them covered.

Flexible Insurance: Our Farm Combined policy is flexible, so your client only pays for the cover they need. Simply select Farm Property plus two other sections to get them protected.

HOME INSURANCE

Farms are much more than workplaces, they are also homes. Our Home Insurance offers comprehensive cover for every key area. Here are just a few of the highlights.

BUILDINGS

✔ Buildings including garages, outbuildings, drives, walls and patios
✔ Accidental breakage of glass
✔ £5,000,000 property owner’s liability insurance
✔ Accidental damage (optional)

CONTENTS

✔ Contents (including high risk items such as jewellery and paintings)
✔ £1,000 automatic increase in sums insured during December
✔ Unlimited freezer contents
✔ £500 for personal money and credit cards
✔ £500 for each pedal cycle
✔ £10,000,000 employers’ liability insurance relating to domestic employees
✔ £5,000,000 personal liability insurance
✔ Accidental damage (optional)

PERSONAL BELONGINGS

We’ll cover any personal possessions, up to a chosen limit, against accidental damage in or out of your home. Plus, our cover extends to include theft from unattended motor vehicles for up to £1,000.

PERSONAL LEGAL EXPENSES

Protection for up to £50,000 of legal expenses relating to any of these common disputes;

✔ Employment pursuit
✔ Criminal defence
✔ Tax protection
✔ Personal injury
✔ Shotgun and firearm certificate protection
✔ Clinical negligence
✔ Court attendance costs
✔ Consumer disputes

FARM PROPERTY

We’ll cover against loss or damage by an insured cause to farm buildings and farm contents. Below are just a few of the highlights.

✔ Farm Buildings
✔ Agricultural Machinery
✔ Office Contents & Computers
✔ Produce and Deadstock
✔ Boundary hedges, walls, fences and gates
✔ £500 Personal items for Directors, Partners and Employees
✔ £1,000 for money and securities
✔ Commercially grown timber

We can even cover Cattle Passports, the cost of cleaning up after fly tipping, or after a sudden leakage from a tank on the farm, and much more.

LIVESTOCK (NON-DISEASE)

We’ll make sure your client is fully compensated for the market value of their animals up to £5,000 per animal for the loss of healthy livestock to any of the following.

✔ Fire

✔ Malicious Damage
✔ Vehicle impact
✔ Explosion
✔ Lightning
✔ Aircraft
✔ Riots and Civil Commotion
✔ Earthquakes
✔ Electrocution

✔ Falling Trees

You can also choose to include straying, transit, theft, or worrying.

Our cover even includes livestock that doesn’t belong to your client but is in your custody. Plus, we’ll cover for £250 of Vet’s fees and £2,500 of animal rescue and recovery costs.

LIVESTOCK - SPECIFIED ANIMALS

The unexpected loss of an animal can be one of the most distressing things a farmer can face.

Your client can rest easy safe in the knowledge that our policy will cover against death of a specified animal as a result of accident, illness or disease.

LIVESTOCK (DISEASE)

Disease can strike at any time and it is almost always unexpected. However, when your client takes out our Livestock (Disease) cover they'll be reassured that their livestock losses will be reimbursed.

We’ll cover any of the following.

✔ Foot & Mouth

✔ Brucellosis

✔ Bovine TB (Reaction to a Herd Tuberculin test)

You can cover your client against any, or all, of these. In each case, the cover tops up the compensation paid by the Government by 25%.

MILK IN TANKS

Modern milking parlours are complex workspaces that require constant care and attention to keep their delicate produce in perfect condition. However, it’s good to know that should the systems fail we’ll cover for any loss or damage in the milk tank up to £3,000 in any period of insurance for the following events.

✔ Faulty operation of any thermostatic or automatic controlling device
✔ Escape of refrigeration fumes
✔ Accidental failure of public electricity supply
✔ Failure of milk collecting agent to collect

✔ Rejection of milk by the collecting agent following any attempted theft or break-in at the premises

You can even take out our optional Accidental Milk Contamination cover for that extra security.

DETERIORATION OF STOCK

Refrigeration failures can can leave your clients substantially out of pocket. Protect against those losses with our Deterioration of Stock cover will reimburse any of the following items whilst within each of the specified units.

✔ Chilled produce
✔ Frozen produce
✔ Deadstock
✔ Veterinary drugs

MONEY INSURANCE

With farm robberies a fact of rural life it makes sense for your clients to insure themselves against crime. Our Money Insurance cover protects the business money, along with clothing, personal effects and personal money should a robbery occur.

We also give financial compensation should your client or their employees suffer any harm or death due to a robbery.

LOSS OF REVENUE

If losing livestock or property isn’t bad enough it often brings with it a loss of income. This can, at its worse, jeopardise your client's entire farm. That’s our Loss of Revenue cover is a must for any farm.

If your client suffers damage or loss of property or livestock, we’ll cover the lost revenue. And we’ll pay additional costs incurred to minimise the loss of any revenue too.

LIABILITY INSURANCE

We cover all the essential liabilities plus some very welcome extras to minimise the risk to your client.

EMPLOYER'S LIABILITY

✔ £10,000,000 for any employee injury, disease, illness or death claims for which your client is held responsible
✔ £500 daily compensation for Directors and Partners needing to attend court at the insurer’s request
✔ £250 daily compensation for employees needing to attend court at the insurer’s request
✔ Cover for employees temporarily working overseas

Plus, we include our FARMSURE EXCLUSIVE: AGRICULTURAL WAGES COMPENSATION cover. This unique Farmsure cover enables you to recover wages that you have paid to a sick or injured employee during the time they are away from work.

PUBLIC & PRODUCE LIABILITY

✔ £5,000,000 or £10,000,000 for accidental injury to the public or their property
✔ £5,000,000 or £10,000,000 for accidental injury or damage to property resulting from products you supplied
✔ £500 daily compensation for Directors and Partners needing to attend court at the insurer’s request
✔ £250 daily compensation for employees needing to attend court at the insurer’s request
✔ £1,000,000 Clean-up costs from any Government agency arising from sudden pollution

The cover under Liability Insurance also includes £250,000 in legal defence costs from proceedings arising from breaches of the Health and Safety at Work Act, and the Consumer Protection Act.

ENVIRONMENTAL IMPAIRMENT LIABILITY

Cover up to £1,000,000 for claims resulting from pollution or natural resource damage including

✔ Clean-up costs on own and third-party land
✔ Environmental Agency expenses/charges
✔ Natural habitat reinstatement costs

PERSONAL ACCIDENT INSURANCE

We can cover anyone your client names for accidents giving a lump sum pay out or a weekly payment, ensuring protection for a wide variety of unexpected events. A maximum of 10 Units of cover can be taken per person. Each Unit includes the following.

✔ £5,000 for loss of a limb, eye or death
✔ £5,000, for permeant total disablement
✔ £50 per week for temporary total disablement
✔ £20 per week for temporary partial disablement

In addition, irrespective of the number of Units selected, there is also £2,500 in medical expenses included.

COMMERCIAL LEGAL EXPENSES

Needing to resort to the courts in your defence is stressful, time-consuming and above all, costly. Our Commercial Legal Expenses cover protects against legal expenses in and out of court giving you complete peace of mind protection against a raft of legal disputes.

Up to £100,000 any one claim towards the cost of any of the following;

✔ Employment disputes
✔ Employment compensation awards
✔ Property and landlord and tenant disputes
✔ Criminal defence
✔ Tax protection
✔ Regulatory compliance
✔ Court attendance costs
✔ Employee extra protection

✔ Contract disputes
✔ Shotgun and firearm certificate protection
✔ Agricultural tenancy rent review disputes
✔ Basic payment scheme protection
✔ Public rights of way

DOCUMENTS

Farm Combined Policy Summary

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