Farming in the UK contributed £5.8 billion to the British economy in 2007 (as measured by Gross Value Added at basic prices). It uses around three quarters of this country's land area, and employs over half a million people. One of our major tasks is to help this vital industry insure as efficiently and competitively as possible.

Farm insurance has progressed in leaps and bounds keeping pace with the ever increasing demands placed upon farmers. In past years the main problem for farmers was risks affecting their livestock and crops. Nowadays, there is far more complex and expensive machinery and enough bureaucracy to fill a barn. You have be familiar with the health & safety and employment laws.

Defra expect you to have perfect knowledge of all matters pertaining to your business. For instance, the health and welfare, identification and movement of farm animals. Environmental issues covering land management, landscape features, and land use and planning, common land, rights of way, climate change, air and water and water courses. Waste and resource matters such as fly-tipping, landfill, incineration, composting, sewage and slurry, packaging, recycling and energy efficiency.

With the best will in the world even the most efficient farmer can fall foul of one if not more of these things. This could ultimately risk the livelihood of the farmer, his family and employees. At Lloyd Vine, we can ensure you have the widest market cover offered to you fitting your requirements.

Large and small farms are equally as well catered for and we have schemes specifically designed for the full range of rural agricultural activity throughout the UK. Below we list some of the more usual risks of concern to farmers.

Livestock & Dairy Herds

Covering livestock against all risks mortality and disease we can arrange cover for individual animals as well as entire herds/flocks.

We can extend cover to include transit, wandering, theft and worrying by other animals and, subject to conditions, insurance against livestock diseases can also be arranged. Business interruption from a multitude of causes including dairy farm equipment failure, fire and storm.

We can also provide cover against all risk mortality of valuable animals be they breeding or show and these covers can include infertility as well as loss for whatever reason. And finally, personal injury and livestock transit risks involved with livestock handling.

Arable

If your farm relies on the successful growth and harvesting of crops then we have suitable arable farm insurance cover available for you.

Hail, fire and miscellaneous named perils can be covered by our team of specialist brokers who will also consider loss of revenue cover viewed on a scale of specific crops and risks. A specialised contract for farmers based anywhere in the UK is also available to cover the extensive damage that can be caused to crops by hail.

Sophisticated farm equipment which is pivotal in the management of arable farm output in the 21st Century can be protected against all perils including breakdown which can have critical consequences at harvest time.

With so many elements that can put crop productivity at risk arable farm insurance is essential in the prudent management of a modern day farm in the UK.

Commercial Legal Protection

Directors & Officers Indemnity

Engineering Inspection & Breakdown

Professional Fee Protection

Professional Indemnity

Special Types Machinery & Plant