Specialist Insurance for the Rural Business Community

Rural Protect is a management liability product, designed to offer financial protection to partners, directors or officers of a company against claims made against them.  The legal costs of defending allegations of wrongful acts brought against individuals or the business can be crippling, and adequate protection is increasingly becoming a common feature of any rural insurance cover.

Why do you need Rural Protect?

In today’s world, with every decision potentially opening you up to expensive claims and legal costs, you need cover that protects your business and your personal assets.  Tighter regulations and an increasingly litigious society mean businesses and their directors and owners are facing an ever-growing rate of claims.  with associate legal costs, even winning a legal case can be an expensive process.

What makes Rural Protect different?
This bespoke policy provides cover for individuals and the company itself should they face an allegation of a wrongful act in connection with their work.  You will have access to law firm rradar, who can provide free legal advice at any time and will handle your claim should the worst occur.  Both criminal and civil legal actions are covered.

Key benefits of Rural Protect
Rural Protect is exclusively available to a broad range of rural clients, from working farms and tree surgeons to estates and equine businesses.  The main benefits include:

• Cost of dealing with investigations and prosecutions from all UK regulators
• Limits chosen apply to each and every claim
• Covers Fee for Intervention (FFI) charged by HSE
• All professional fees incurred to defend an allegation eg barristers, accountants, expert witnesses
• Pursuit Cover – allows you take action against a third party
• CAP Appeals Cover
• Agricultural Tenancy Dispute Cover – not dependent on going to arbitration
• Option to add cover for Employment Disputes including any award you are ordered to pay
• £100,000 Employee Dishonesty Cover
• £25,000 Pollution Clean-up Costs
• £100,000 Contract Dispute Cover
• Tax cover including criminal investigations
• PR Crisis Costs
• £100,000 Third Party Electronic Funds Transfer

To find out more about liability insurance for farmers or for a free quotation, contact the dedicated Rural Protect insurance team at H&H Insurance Brokers on 01228 406290 or email us with your query