At Autoline, we make protecting your business, our business.
We understand that the constant demands of farming can sometimes overshadow the importance of evaluating your insurance protection but as a broker, we work with you on a personal level to establish your needs and requirements to protect your livelihood. Using our insurance expertises, we negotiate the best possible prices on your behalf from our expanding panel of insurance partners across the UK.
So, no matter what size your farm is, from a few acres of hobby farming to large scale enterprises, we will get you the most competitive cover suited to your needs.
Farm Combined Insurance is designed to cover all of your farming activities, bringing together everything from your home to farm liability - all rolled into one policy.
Our Farm Combined Insurance is broken down into different sections and we work with you to pick and choose exactly what level of cover you need.
We can cover your farming property that you wish to protect including:
This includes cover for loss by fire, lightning, electrocution and impact to your livestock. The cover can be enhanced to include:
It can be often difficult to find a competitive quote for your home insurance when it is within close proximity to your farm. We can cover your domestic property and belongings for standard perils such as fire, storm, theft, escape of water and with the option of accidental damage. We can include the following:
Farm Liability cover will protect you and your business where you have been responsible for injury or property damage to others.
We provide three types of liability:
As a farmer, you are dependent on the day-to-day operations of your farm, it is your livelihood. By adding Loss of Revenue cover, you are financially covering yourself for any lost income during a period of time when you can’t carry out your normal business due to an unexpected incident (excluding personal injury) thus reducing the risk of cash flow problems and potential insolvency.
Loss of Revenue insurance can cover you for lost income as a result of:
Milk is one of the most important assets for a dairy farmer but if the unexpected occurs and your milk, for whatever reason, gets contaminated it is important you have this type of cover in place to recover the financial loss.
Farming is not only your livelihood but your business and if you are in an accident and unable to work, it could mean severe financial pressure at a time when you need to focus on your health. Personal accident and sickness can financially protect you if you, your employees or your family has had an injury or illness.
All risks cover is an optional extra on your insurance policy. It provides coverage and protection from risks that could damage your property, unless the risks are excluded specifically in the policy wording.
One of the biggest issues in settlement of claims is underinsurance. Underinsurance is a fundamental condition of insurance and applies mainly to property claims. It is essential that the correct sums insured are selected. Failure to do so may result in a claim payment being reduced.
The cost of replacing a farm building may be £300,000 but the farmer has only insured the farm buildings for £150,000. The buildings are then damaged in a storm and the cost of the repairs are £20,000. As the farm buildings are only insured at 50% of their true replacement value then the insurer has the right to only pay 50% too of the claim, therefore only receiving £10,000.
The services of an independent broker mean we can help our customers decide on the most appropriate sections for their policy, discuss the covers that best meet the needs of their business and explain the pitfalls of underinsurance.