Author Topic: Insurance (again!) (Read 1810 times)

Womble · « **on:** November 22, 2015, 09:14:08 am »

I'm sorry to bring this up again, but I'm genuinely confused.

I've just been quoted nearly £300 for employer's liability (to cover friends and immediate family members who work on our smallholding in case they were to suffer an accident), and over £200 for public, product and environmental liability.

We only have five acres and 10 sheep plus an assortment of poultry. Is that really what the rest of you are paying?

Me · « **Reply #1 on:** November 22, 2015, 12:41:41 pm »

Been looking into this myself. NFU quoted £350 minimum (wanted to cover vet students) found a clause saying temp/seasonal workers were excluded in any case!

Rosemary · « **Reply #2 on:** November 22, 2015, 05:06:31 pm »

Yep, that's what we pay. We host school visits fro RHET and that costs us.

Womble · « **Reply #3 on:** November 23, 2015, 07:04:06 am »

Seriously? Smallholding must be riskier than I thought. I'm going back to basejumping!

Backinwellies · « **Reply #4 on:** November 23, 2015, 08:26:15 am »

Quote from: Womble on November 23, 2015, 07:04:06 am

Seriously? Smallholding must be riskier than I thought. I'm going back to basejumping!

Farming is the most dangerous occupation for accidents in the UK.

http://www.hse.gov.uk/statistics/pdf/fatalinjuries.pdf (P4 table 2)

honeyend · « **Reply #5 on:** November 23, 2015, 09:05:09 am »

I use these, I think my cover is about £350, which includes some workers, camping and four DIY livery. NFU wouldn't even give me a quote when they came out. The House is insured separately. I would also try the broker the CLA use, we rented out the house for a while, the house and the land was £550

https://www.greenlands.co.uk/products