The BiB Farm and Estate policy is just that - a policy designed to cover every part of the modern day farm and/or estate excluding motor.
The policy is split into 17 sections and is designed to be as flexible as possible. In light of recent movements in the farming market, we have also changed our policy to be able to cover most diversifying risks.
Further information on the policy itself is listed below. The policy is agreed on a declaration and there is therefore no proposal form required.
Section 1 – Private House Buildings |
Available either as Standard or Super (i.e. Accidental Damage) Cover for most types of building construction (including Thatched)
|
Section 2 – Private House Contents |
Again a choice of Standard or Super Cover. Cover is provided for the main dwelling(s) of the insured and/or his family. Additional covers such as Holiday Homes, Caravans and Small Craft are all available on request.
|
Section 3 – All Risks – Personal |
Option of Specified Items e.g. Jewellery, Camcorders, etc.
And/or Unspecified Items, up to a single item limit, including:
Guns, Pedal Cycles, Sports Equipment, Money & Credit Cards.
|
Section 4 – Farm Buildings |
Choice of full perils available, £500 storm excess per location, Unique “Basis of Settlement” wording
|
Section 5 – Farm Contents |
Choice of Peril groups
Malicious Damage excess - £250
Impact (Own vehicles/livestock only) excess - £250
Loss of metered water – Limit £1,000
|
Section 6 – Theft |
Mysterious disappearance of livestock option
Replacement locks. Limit £750
£100 excess per claim
|
Section 7 – Employers Liability |
Cross Liability included
Option to include AWB
|
Section 8 – Public Liability |
£5m Limit of Indemnity as standard. Option to increase limit of indemnity to £10
Motor Contingent Liability included
|
Section 9 – Fatal Injury to Livestock |
Includes Livestock in Transit option
£5,000 Limit any one animal (£500 for working dogs)
|
Section 10 – Sheep Worrying |
By Dogs, Foxes or Vermin
£5,000 Limit any one animal
|
Section 11 – Money |
Includes automatically:
Personal Accident Assault cover
Damage to Clothing & Personal Effects
Cattle Identification Documents (Limit £1,500 in all)
|
Section 12 – Business Interruption |
Wide basis of cover available, Choice of full perils
|
Section 13 – Goods in Transit |
Excludes Livestock (see section 9)
Includes:
Ropes, Tarpaulins, etc (Limit £1,000)
Drivers personal property (Limit £250)
|
Section 14 – Personal Accident (Individual) |
No sickness cover available
Choice of capital / weekly units
Choice of length of period of cover
|
Section 15 – Personal Accident (Employees) |
No sickness cover available
Scale of Benefits
Based on Wageroll and or Agricultural Wages Board Act 1945 cover
|
Section 16 – All Risks (Commercial) |
Accidental loss of or damage to any specified items.
Claims paid on a cost as new at the date of the loss.
|
Section 17 – Legal Expenses Insurance |
Employment disputes
Criminal prosecution defence
Property disputes
Tax protection
|
