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Farm Insurance

Call us for a quote: 03452 30 30 30

03452 30 30 30

The Broker Advantage

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.

Need to speak to us?

03452 30 30 30
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Choose Your Farm Combined Cover Options

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.

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Farm Buildings & Contents

We can cover your farming property that you wish to protect including:

  • Items of machinery and plant
  • Farm buildings 
  • Silage, straw and feedstuffs
  • Farming equipment and tools
  • Dairy Equipment
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Livestock

This includes cover for loss by fire, lightning, electrocution and impact to your livestock. The cover can be enhanced to include:

  • Theft
  • Livestock in transit
  • Livestock straying 
  • Worrying 

 

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Household Buildings & Contents

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:

  • Buildings
  • Contents
  • Garden furniture and domestic tools  
  • Specified jewellery
  • Valuables, antiques & works of Art
  • Sporting equipment & guns
  • Saddlery & tack
  • Computer equipment & laptops
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Liability

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:

  • Public and Product Liability
  • Employers Liability
  • Environmental Liability

Find out more about Agricultural Liability

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Boost your cover

Loss of Revenue

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Milk in Tanks

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Personal Accident and Sickness

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Farm All Risks

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Loss of Revenue

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:

  • Damage caused to your premises or equipment by fire, storm or flooding.
  • Accidental electrocution of livestock
  • Damage at your suppliers that has an impact on your business
  • Malicious damage

Milk in Tanks

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.

Personal Accident and Sickness

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.

Farm All Risks

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.

Underinsurance

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.

For example

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.

Need to speak with us? 03452 303030