In­sur­ance

Country Smallholding - - Feature Dealing With Red Tape -

This is an­other sub­ject likely to in­duce lots of yawn­ing, but it is a small­hold­ing es­sen­tial to en­sure that you are suf­fi­ciently pro­tected for the fu­ture. Not that you want to think about all the nasty things that could hap­pen, but al­though this in­dus­try is ba­si­cally built on fear of what could go wrong, you can’t re­ally put a price on the peace of mind as­so­ci­ated with know­ing that you are prop­erly cov­ered.

Along­side the usual build­ings and con­tents in­sur­ance fa­mil­iar with any home, we small­hold­ers (or good-lifers to be) also need to think about myr­iad other worst case sce­nar­ios to boot. Along­side the usual land, ma­chin­ery and live­stock cover, here are a few policy ar­eas that also need to be con­sid­ered.

Em­ployer’s li­a­bil­ity

If you some­times have friends, fam­ily, neigh­bours or even vol­un­teers (such as WOOFers) helping out on your plot, then it is a good idea to en­sure that you are suf­fi­ciently cov­ered in case of third party in­jury on your small­hold­ing. Even if you don’t have em­ploy­ees, this is an area of cover worth con­sid­er­ing.

Pub­lic li­a­bil­ity for your live­stock

This isn’t nec­es­sar­ily some­thing you would con­sider but if some, or even one, of your an­i­mals hap­pens to es­cape and cause dam­age to a per­son or ve­hi­cle — which could eas­ily hap­pen if it were to run onto a road and cause a crash — then sig­nif­i­cant dam­ages could be caused. Live­stock do es­cape all the time. I am al­ways herd­ing up ran­dom cows or sheep from my neigh­bours and I have in the past had to coax some of our own pigs or chick­ens off the road and back onto our prop­erty.

En­vi­ron­men­tal li­a­bil­ity

With the in­creas­ingly wet win­ters and ex­tremes of weather caused by cli­mate change, this also might be op­tion worth think­ing about.

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