Farm Insurance

Public liability insurance covers your legal responsibility to the public should something go wrong. Our standard limit of cover is €6.5m. We’ll cover all amounts you’re legally responsible to pay, and will also pay legal expenses we agree to in writing.

Cover for Environmental Liability up to €2.6m, to protect against costs associated with gradual environmental damage and pollution, including own land and third party clean-up costs.

This cover is available for both family and non-family workers. Plus, we’ll provide cover for your voluntary helpers at a reduced rate, without any stipulation around having paid staff.

Farmhouse and contents cover to protect your home and your business. This cover includes many features such as business contents protection, fire brigade charges cover, and accidental damage cover.

We offer third party, fire and theft, and comprehensive cover for farm vehicles. Trailer cover is also available.

From €315. Third party cover premium based on farmers over 30 years old with a full licence and who have been claims free for the last three years. Jeep must be 10 years or older and used for farming, social, domestic and pleasure purposes only.

We provide extensive cover for your outbuildings and contents, including storm cover as standard. Subject to terms and conditions.

There’s no need to break down your contents between hay and straw, agricultural produce, and implements and utensils. Simply provide us with a single figure to cover your outbuildings content.

Legal expenses cover provides legal costs of up to €150,000 per claim, and up to €1,500,000 for any one period of insurance. It covers issues such as property disputes, alleged wrongful dismissal of employees or contract disagreements.

We’ll protect your animals in case of fire, lightning, explosion, storm, electrocution, collapse of slats, and livestock on foot.

With Smart Farm Choices, you’ll get all the livestock cover of Smart Farm Easy, plus protection of livestock in transit.

Included in your cover at no extra cost when outbuildings are insured.

We’ll cover you for farm tools you own if your insured farm property is broken into. This is available as an add-on.

Cover all your specialist equipment, including bulk milk tank, A.I. flasks, cameras, tack, trailers, calving cameras, and more.

Protection for your sheep flock against fatal injury or necessary slaughter arising from dog attack or dog worrying.

This cover protects against loss of livestock, stolen and unrecovered, due to theft.

Cover for death or infertility is available as part of the farm policy.

Available as standard, we’ll cover you for the loss of your Basic Payment Scheme due to accidental damage of items covered under farm outbuildings or their contents.

This covers loss or deterioration of milk contained in the tank, including loss due to failure of any thermostatic controlling device, the public supply of electricity, or damage to the bulk milk tank where such failure is not the result of a deliberate act. It also covers loss of your own milk if it’s rejected by the Co-Op because of accidental contamination by antibiotic residue and failure of the Co-op to collect.

This policy covers loss of or damage to growing crops caused by fire, lightning, explosion, impact and aircraft.

This will protect you for storm and re-instatement cover, and fire cover.