The Accidental Smallholder Forum

Community => Coffee Lounge => Topic started by: Caroline1 on October 03, 2016, 01:52:59 pm

Title: Open to the public - insurance?
Post by: Caroline1 on October 03, 2016, 01:52:59 pm
I am thinking through various ideas to generate some money (so I can cut my office hours and spend more time with the animals) and wondered about having open days for the public to come and see a smallholding and get to interact with the animals.

We only have 3.5 acres, but have been trying to find out about whether we should get insurance like Public Liability if we go ahead. Does anyone else do this and do you have insurance or am I being over-cautious? 
Title: Re: Open to the public - insurance?
Post by: Womble on October 03, 2016, 02:27:29 pm
Yes, you absolutely should.

It shouldn't be too expensive though - best to approach a broker for a quote?
Title: Re: Open to the public - insurance?
Post by: devonlady on October 03, 2016, 02:34:15 pm
And get in touch with local authorities! you will probably need to supply lavs, I dare say portaloos would do, hand washing arrangements etc.
Good luck, I hope it works well
Title: Re: Open to the public - insurance?
Post by: harmony on October 03, 2016, 02:46:51 pm
Definite yes and yes, as Devonlady says need hand wipes/ or wash. If you are with the NFU they might add it on. You can't be over cautious with the public.
Title: Re: Open to the public - insurance?
Post by: Caroline1 on October 03, 2016, 02:51:05 pm
Thanks for echoing my thoughts. Handwashing and toilets were also on my list. My house is attached to the smallholding but I don't really want people I don't know using it so was thinking portaloos. You can hire them with a hot hand wash facility no idea how much and with some of these things the return on investment makes it pointless doing..... but I am fed up spending 3 hours a day commuting to the office so worth considering.  :farmer:
Title: Re: Open to the public - insurance?
Post by: devonlady on October 03, 2016, 03:04:42 pm
What you save on commuting may well pay for the portaloo!
Title: Re: Open to the public - insurance?
Post by: Womble on October 03, 2016, 03:28:04 pm
Just thinking aloud, rather than opening properly 'to the public', perhaps you could offer a venue for school visits etc?  I've also heard of farms that are run so that disabled children can have contact with farm animals.....
Title: Re: Open to the public - insurance?
Post by: Caroline1 on October 03, 2016, 03:36:48 pm
Thanks, I have wondered about that as well! Not a huge fan of children but do believe strongly in the need to educate people about where food comes from and in small batches think I should be able to cope  :relief:
Title: Re: Open to the public - insurance?
Post by: BrimwoodFarm on October 03, 2016, 04:39:43 pm
but I am fed up spending 3 hours a day commuting to the office so worth considering.  :farmer:

Three hours?! I feel for you so much....1.3 - 2hrs just about kills me. No words of wisdom to add, but good luck and I'll watch with interest.  ;D
Title: Re: Open to the public - insurance?
Post by: waterbuffalofarmer on October 03, 2016, 08:59:20 pm
Yes you will need that. We are thinking of doing the same in the long run, hopefully :)
Title: Re: Open to the public - insurance?
Post by: Anke on October 03, 2016, 09:50:01 pm
but I am fed up spending 3 hours a day commuting to the office so worth considering.  :farmer:

Three hours?! I feel for you so much....1.3 - 2hrs just about kills me. No words of wisdom to add, but good luck and I'll watch with interest.  ;D

I used to commute for 4 hours each day.... and then had to sort out two children under three.... absolutely no regrets to giving up the career thingy, but haven't found a way to make the smallholding pay me a decent salary...
Title: Re: Open to the public - insurance?
Post by: Caroline1 on October 03, 2016, 10:16:10 pm
I don't think I can give up work completely but if I can reduce my hours and spend more time with the animals then I will be happy.  :thumbsup:
Title: Re: Open to the public - insurance?
Post by: devonlady on October 04, 2016, 10:25:54 am
And, as I've  said to others, don't confuse standard of living with quality of life!!
Title: Re: Open to the public - insurance?
Post by: HappyHippy on October 05, 2016, 04:16:49 pm
What about composting toilets?
You could build small 'out houses' round them (even using recycled pallets for an authentic eco friendly feel) and it shouldn't be too difficult to take a branch off your hot and cold water from the house to give a hand washing 'bar' (long narrow galvanized trough with some slabs under foot and it could drain away into a bucket for emptying).
That's what I'd do  ;)
Title: Re: Open to the public - insurance?
Post by: bazzais on October 05, 2016, 05:12:43 pm
It totally depends on if you are going to charge.

If your thinking of just having ya beasts next to a path and show them off and relax to passers by - then you wont need public liability.  But if you want to 'show' and make a 'business' you will need all the things that come with owning a business. ie public liability (prob only 100 a year for 2 million of cover)

You will also have to consider 'doing up' stuff.  If you have made a path then you have to consider a claim can be made if its wrong, if you leave it as the natural terrain then its user responsibility.

For the price - i would get 2 million public liability - cost less than insuring an iphone.
Title: Re: Open to the public - insurance?
Post by: Caroline1 on October 05, 2016, 08:19:14 pm
Thanks and good points
Title: Re: Open to the public - insurance?
Post by: Louise P on October 07, 2016, 09:22:42 pm
Please don't think me rude as I obviously don't know your circumstances but with 2 young children myself I know time is precious.
I think the chances of you making a genuine 'salary' from your smallholding are slim. Could you not possibly get a lesser paid job much closer to home and use your saved comute time enjoying your smallholding good life.
You don't need a right lot of money to enjoy the good life as you're usually too busy knee deep in muck to be spending any anyway  :D
I wish you well whatever you decide x
Title: Re: Open to the public - insurance?
Post by: Caroline1 on October 12, 2016, 12:47:42 pm
No offence taken and I'm not quite that delusional   :innocent: There are parts of my job I really enjoy and it would be tricky getting a similar role closer to home but not impossible. The main aim is to get a better balance of being on the smallholding and if I can make a bit of money and share my passion with others then great! At the moment it is all a bit of an experiment, but hey if you don't try you don't know  :thumbsup:
Title: Re: Open to the public - insurance?
Post by: waterbuffalofarmer on October 13, 2016, 01:34:09 pm
A good book to read to help you along would be barbara kingsolvers, animal, vegetable, miracle. Highly inspirational and she lives almost self sufficiently for a whole year, eating seasonally. Its jam packed with good recipes, how she grew it and when and what peoples reactions to it where. All the best :thumbsup: and good for you! :)
Title: Re: Open to the public - insurance?
Post by: Marches Farmer on October 13, 2016, 02:53:14 pm
I suggest contacting your local authority, who may be able to give you lots of pointers on the law.