The Accidental Smallholder Forum
Livestock => Sheep => Topic started by: BenBhoy on August 21, 2015, 09:39:39 pm
-
Hi all
I'm sure this subject will have been done to death but my rubbish phone wont let me move across to the search function!
Can anyone recommend/suggest/inform what insurance I need when keeping small flock, both in terms of insuring the animals against theft and in case they cause an accident/damage if escape!!
Thanks
-
You need public liability to protect against damage to the public ----theft? I wouldn't bother as it is likely to cost you more than it's worth but ask for a quote
-
I agree with Tim is not worth insuring stock generally. I use Fidelius
-
As I have sheep and also work on other farms and gardens I have taken a small farm policy and that has public liability etc.
I get this through the NFU and is tailor made to suit my needs.
It fully covers my stock (in transit, from theft and from causing an accident), my rented buildings, my tools and me when i'm out working, whether its chain sawing trees down in customers gardens, operating tractors and diggers or spot spraying paddocks.
I chose the NFU because they were able to tailor make me a policy and the fact that if I have a problem I can go into my local branch and talk to someone face to face. They may not be the cheapest but im happy that the insurance I have is of a good quality backed by an established company.
If you have time, go in to your local NFU and speak to someone, a quotes free and you may realise that you can tie it in with another insurance.
Beginning to look like im a salesperson for the NFU! ;D
-
I'd recommend NFU too. As a small community farm we are bit different to their usual fare, but we sat down and talked it all through and they tailor-made a policy for us to cover just the bits we care about.
IIRC they insure breeding stock separately from the lambs for slaughter as one counts as 'capital' and the other as 'produce' if you see what I mean. You can choose to insure some, none or all depending - e.g. I believe we have 'third-party, fire and theft' on the breeding stock (as it was pretty cheap) and have left the lambs uninsured although I'd have to check the paperwork to be sure...
-
Cheers all