There are various additional covers that can be added on to a standard policy. For example, livestock disease cover; fatal injury to livestock; hail damage cover; engineering cover for renewable energy plant such as biomass boilers, wind turbines and solar panels; special events insurance if your land is used as a corporate, wedding or festival venue; and key man insurance, which protects a farm business against financial loss resulting from the sickness, injury or death of an individual who is key to its success. Additionally risk management services should also be considered.
It’s important to discuss your circumstances with an independent insurance adviser to find out whether or not you would benefit from any add-ons. They can prove hugely valuable if relevant to your business, but there’s no point in paying for cover that you’ll never use.