Why is it important to extend your farm policy to include Agri Contracting? This is because Agri Contracting is farming work, which some farmers do for other farmers. Examples of this work may include harvesting, mowing, bailing, ploughing, slurry spreading and hedge cutting. It can also include site clearance, internal road construction within a farm, land drainage and agricultural land drainage works.
For example, say you are spreading slurry on a farmer’s land. The pipe bursts and all of the slurry escapes from the tank. This large quantity of slurry will contaminate the land and could easily contaminate a nearby body of water. Your extended farm policy will cover your liability in respect of this this under the pollution and contamination extension. A standard public liability policy will not have this extension, extending the pollution or contamination into water, or land or the atmosphere.
Farms are covered for public and products liability with a limit of indemnity of €2.6 million as well as employer’s liability with a limit of indemnity of €13 million. The public liability limit can easily be extended to €6.5 million which is the requirement of many Agricultural Contractors.
An Employee includes anybody hired or borrowed by you, anybody you have for work experience, and any volunteers as well as people who are permanently on your payroll.
When extending your policy to included Agri-contracting we will need to know your expected annual turnover as well as the wages you expect to pay to those employed specifically for agri contracting.