Farming is the most dangerous industry sector in the UK - unfortunately, workers are 18 times more likely to have a serious accident or be killed on a farm than in any other industry.
A farm package insurance doesn’t cover all of the risks:
Serious accidents do happen, and whilst a farm package policy will provide Employers and Public liability insurance as standard, no cover will be provided for legal defence costs or fees incurred in the event of an HSE investigation.
Dealing with the human consequences of a serious accident can be traumatic, and this stress can be further exacerbated by ensuing criminal charges. Having expert legal support in your corner at this difficult time is essential – which is why it is important to consider management liability insurance.
How Management Liability cover helps…
Management liability insurance provides a wide range of valuable covers relating to farmers personal liabilities, including legal defence costs relating to investigations and prosecutions, and some products will also cover the HSE’s Fee for Intervention (FFI).
What happens when it all goes wrong?……
A claim example brings home how serious the consequences can be when it all goes wrong:
Management Liability cover provides peace of mind for a relatively small premium
Even though there was a fine to pay, the client felt the help offered by his insurer’s solicitors had provided invaluable support at this terrible time – illustrating why a relatively small investment in a specialist management liability policy (the premium can be as little as £250) is a wise investment that every farmer should consider.