FARM COMBINED INSURANCE

PROSPECTUS

WELCOME TO FARMSUREThank you for your interest in our Farm Combined Insurance Policy.

Your farm is unique – as unique as the land you work – and naturally you want insurance that exactly matches your needs, so you are always protected against life’s unexpected events.

Our Farm Combined offers you everything from the everyday insurances you need through to a vast array of comprehensive covers for even the most specialist and diversified farms. It is generous enough to cover your entire farm and yet flexible enough to meet its specific requirements as it grows and diversifies.

And all this wrapped up on one convenient, easy to understand policy at an affordable premium.

www.farmsure.co.uk

Our Farm Combined Insurance Policy gives you exceptional and flexible cover for your entire farm, your home and your staff.

Our policy covers you for all the following key areas.

• Farm Buildings• Machinery/Equipment• Produce• Livestock• Home Insurance• Liability Insurance• Livestock Diseases• Revenue • Money• Personal Accident• Deterioration of Stock• Milk in Tanks• Commercial Legal Expenses

WE’VE GOT YOU COVERED

Farmsure covers hundreds of farms and smallholdings and their vehicles. And we’ve done so for over fifteen years. We have a team of dedicated underwriters with specialist agricultural experience, so you can be confident that we’ve got the necessary knowledge and knowhow to provide the cover you need.

Our Farm Combined Policy is backed by the multi-billion revenue Markel International which has been rated “A” by both S&P and A.M. Best. (Markel, September, 2018)

So, when you insure with us you can be confident in our people and the cover you receive.

INSURANCE YOU CAN TRUST

Our Farm Combined policy gives you comprehensive cover for your farm, your staff, your farmhouse and your family. Here’s just a small flavour of what you can expect from our insurance.

Peace of Mind for Every Size and Type of Farm:

. From Family Farms to Country Estates . Dairy . Livestock . Arable . Mixed Farming . Poultry . Owner Farmers or Tenant Farmers . Diversifications

Protection for up to 13 vital areas of your farm business: from buildings to Brucellosis and legal costs to home contents – we’ve got you covered.

Flexible Insurance: Our Farm Combined policy is flexible, so you only pay for the cover you need. Simply select Farm Property plus two other sections to get your farm protected.

FARM COMBINED INSURANCE

FARM PROPERTY

FOOT & MOUTH DISEASE

LIVESTOCK

We’ll cover you against loss or damage by an insured cause to your farm buildings and farm contents. Below are just a few of the highlights:

. Farm Buildings . Agricultural Machinery . Office Contents & Computers . Produce and Deadstock . Boundary hedges, walls, fences and gates . £500 Personal items for Directors, Partners and Employees . £1,000 for money and securities . Commercially grown timber

We can even cover your Cattle Passports, the cost of cleaning up after fly tipping, or after a sudden leakage from a tank on the farm, and much more.

Foot and Mouth is one of the most distressing diseases any farmer could face. If you lose your animals as a result of compulsory slaughter then our insurance can help by reimbursing you for up to 6 months loss of earnings, preventing a tragedy turning into a catastrophe.

We’ll make sure you’re fully compensated for the market value of your animals up to £5,000 per animal If you lose healthy livestock to any of the following.

. Fire . Malicious Damage . Vehicle impact . Explosion . Lightning . Aircraft . Riots and Civil Commotion . Earthquakes . Electrocution . Falling Trees

You can also choose to include straying, transit, theft, or worrying.

Our cover even includes livestock that doesn’t belong to you but is in your custody. Plus, we’ll cover you for £250 of Vet’s fees and £2,500 of animal rescue and recovery costs.

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BRUCELLOSIS INSURANCE

LIVESTOCK (DISEASE)

LOSS OF REVENUE

Insure your farm against this highly infectious disease and be confident that should your cattle contract Brucellosis, we will compensate you for the following.

. Compulsory slaughter . Loss of Official Brucellosis-Free status

Disease can strike at any time and it is almost always unexpected. However, when you take out our Livestock (Disease) cover you’ll be reassured that your livestock losses will be reimbursed. We’ll cover you for any of the following.

. Death of any specified animal from accidental illness or disease . Contraction of Anthrax, Aujesky’s Disease, Classical Swine Fever, Swine Vesicular Disease . Reaction to tests for Enzootic Bovine Leukosis, or Maedi-Visna . Reaction to a Herd Tuberculin test

If losing livestock or property isn’t bad enough it often brings with it a loss of income. This can, at its worse, jeopardise your entire farm. That’s why you’ll be glad you took out our Loss of Revenue cover.

Put simply, if you suffer damage or loss of property or livestock, we’ll cover you for your lost revenue until you’re back to normal. And we’ll pay you additional costs incurred to minimise the loss of any revenue too.

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LIABILITY INSURANCE

We cover you for all the essential liabilities plus some very welcome extras to minimise the risk to you and your business.

Employers’ Liability

. £10,000,000 for any employee injury, disease, illness or death claims for which you are held responsible

. £500 daily compensation for Directors and Partners needing to attend court at the insurer’s request

. £250 daily compensation for employees needing to attend court at the insurer’s request . Cover for employees temporarily working overseas

Plus, you get our FARMSURE EXCLUSIVE: AGRICULTURAL WAGES COMPENSATION cover. This unique Farmsure cover enables you to recover wages that you have paid to a sick or injured employee during the time they are away from work.

Public & Produce Liability

. £5,000,000 or £10,000,000 for accidental injury to the public or their property . £5,000,000 or £10,000,000 for accidental injury or damage to property resulting from products

you supplied . £500 daily compensation for Directors and Partners needing to attend court at the insurer’s

request . £250 daily compensation for employees needing to attend court at the insurer’s request . £1,000,000 Clean-up costs from any Government agency arising from sudden pollution

The cover under Liability Insurance also includes £250,000 in legal defence costs from proceedings arising from breaches of the Health and Safety at Work Act, and the Consumer Protection Act.

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MONEY INSURANCE

With farm robberies a fact of rural life it makes sense to consider protecting yourself against crime. Our Money Insurance cover protects your business money, along with your clothing, personal effects and personal money should you be robbed.

We will also give you financial compensation should you or an employee suffer any harm or death due to a robbery.

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DETERIORATION OF STOCK

Should your refrigeration unit fail you could find yourself substantially out of pocket. Protect yourself against those losses with our Deterioration of Stock cover which reimburses you for any of the following items whilst within each of the specified units.

. Chilled produce . Frozen produce . Deadstock . Veterinary drugs

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COMMERCIAL LEGAL EXPENSES

Finding yourself needing to resort to the courts in your defence is stressful, time consuming and above all, costly. Our Commercial Legal Expenses cover protects against legal expenses in and out of court giving you complete peace of mind protection against a raft of legal disputes.

Up to £100,000 per event towards the cost of any of the following.

. Contract disputes . Criminal prosecution . Employment disputes . Tax protection . Property disputes . Data protection . Statutory licence . Personal injury

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PERSONAL ACCIDENT INSURANCE

We can cover anyone you name for accidents giving you a lump sum pay out or a weekly payment, ensuring you are protected for a wide variety of unexpected events. A maximum of 10 Units of cover can be taken per person. Each Unit includes the following.

. £5,000 for loss of a limb, eye or death . £5,000, for permeant total disablement . £50 per week for temporary total disablement . £20 per week for temporary partial disablement

In addition, irrespective of the number of Units selected, there is also £2,500 in medical expenses included.

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. Wrongful arrest . Jury service . Pension Trustee defence . Agricultural tenancy . Basic payment scheme . Public Rights of Way

MILK IN TANKS

HOME INSURANCE

Modern milking parlours are complex workspaces that require constant care and attention to keep their delicate produce in perfect condition. However, it’s good to know that should your systems fail we’ll cover you for any loss or damage in the milk tank up to £3,000 in any period of insurance for the following events.

. Faulty operation of any thermostatic or automatic controlling device . Escape of refrigeration fumes . Accidental failure of public electricity supply . Failure of milk collecting agent to collect . Rejection of milk by the collecting agent following any attempted theft or break-in at the premises

You can even take out our optional Accidental Milk Contamination cover for that extra security.

Your farm is more than your workplace, it’s your home. Our Home Insurance offers you and your family a comprehensive cover for every key area. Here are just a few of the highlights.

BUILDINGS . Buildings including garages, outbuildings, drives, walls and patios . Accidental breakage of glass . £5,000,000 property owner’s liability insurance . Accidental damage (optional)

CONTENTS . Contents (including high risk items such as jewellery and paintings) . £1,000 automatic increase in sums insured during December . Unlimited freezer contents . £500 for personal money and credit cards . £500 for each pedal cycle . £10,000,000 employers’ liability insurance relating to domestic employees . £5,000,000 personal liability insurance . Accidental damage (optional)

PERSONAL BELONGINGSWe’ll cover any of your personal possessions, up to your chosen limit, against accidental damage in or out of your home. Plus, our cover extends to include theft from unattended motor vehicles for up to £1,000.

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PERSONAL LEGAL EXPENSES

Protect you and your family with up to £50,000 of legal expenses relating to any of these common disputes;

. Criminal prosecution . Personal injury . Employment pursuit . Consumer dispute . Clinical negligence . Tax protection . Jury service . Firearm certificate

We are specialists exclusively in the agricultural insurance sector and here to give you help and support whenever you need it to ensure that the cover we provide meets your needs.

Should the unthinkable happen you need to know that your insurer is on your side and will deal with your claim quickly and fairly. We agree. Our key aim is to get things back to normal for you as fast as possible which is why our claims are handled by a team that is experienced and knowledgeable in agricultural claims.

SERVICE LEVELS YOU CAN MEASURE US BY

1. Our Farmsure Gateway online portal can issue new and renewed policies, so your broker can get your cover in place instantly.

2. Our response times for claims are the same day, or no later than the next working day.3. All new claims are registered with our specialist claims handlers on the day we receive the notification, or no later

than the next working day.

BACKED BY EXCEPTIONAL CUSTOMER SERVICE

SOME IMPORTANT INFORMATIONThis policy is designed to meet your needs if you wish to insure your farm, and it can also accommodate a range of diversification activities.

Cover is provided subject to various terms and conditions, which you can find in the policy wording and which you should read carefully.

Farmsure Underwriters Ltd does not provide any personal recommendation as to the suitability of this policy to your specific needs. You may receive such advice from your insurance broker, or you may need to make your own decision as to the suitability of this policy to your needs.

WHAT TO DO NEXTIf you’d like more details about our Farm Combined policy, then please see our separate Policy Summary document. Inside it you’ll find information about the main aspects of the cover, along with key exclusions, limits or restrictions, and other useful information. Please ask your broker for a copy and they’ll send one to you right away.

To get a quote, please contact your insurance broker.

5 Park Plaza, Knights Way, Battlefield, Shrewsbury SY1 3AF

Tel: 01743 460555e-mail: info@farmsure.co.ukWebsite: www.farmsure.co.uk