Man on tablet in field

Don’t Fall Prey to the Pitfalls of Property Insurance

Posted on: 30th October 2020

Chris Clement, Commercial Director for H&H Insurance Brokers, sets out key guidelines to ensure your farm buildings are safe and suitably insured this autumn. 

With the insurance of farm machinery and farm vehicles often at the forefront of everyone’s minds throughout the summer and harvest months, considering how the buildings on your farm are covered can sometimes take a back seat. However, as Chris Clement, Commercial Director for H&H Insurance Brokers, wants to highlight, ensuring your farm and rural buildings are adequately insured is critically important. Should the worst happen, with a few key considerations you can safeguard your farm from serious consequences.

On emphasising the importance of Buildings Insurance, Chris said: “Falling short on suitable insurance can have serious implications across your farming enterprise, and Buildings Insurance is not a place to be cutting corners on the cost of premiums. Considering the full costs of site clearance, fees, planning and labour can often be overlooked, I would strongly recommend seeking specialist advice to prevent serious repercussions down the line.  

Electricity is one area which can pose a real threat to the safety of a farm building, and in the past we have seen devastating fires as a result of faults in the electric installation. Our advisors always suggest electrics are checked with an up to date Electrical Installation Condition Report (EICR) every five years as a minimum, to protect the farm buildings from potential electrical risks. Insurance companies will often provide preferential rates where these checks have been done and certified.

With regards to Fire Safety, a number of key factors require consideration. If the building is insulated, which is often the case in Poultry and Pig producing units, the type of material used for insulation used could represent a huge fire risk. It is therefore key to consider the materials used in composite panels. For fire risks, the proximity of buildings, such as whether they are adjoining or 10 metres apart, is also important to take into account, and any new buildings would be advisable where possible to be a minimum of 10m apart.

Beyond this, it is essential to consider the type of farm buildings being insured when discussing the policy. If your farm has traditional buildings, i.e. stone buildings and slate roofs, these must be insured for their full rebuild costs. If there is asbestos, this must be noted, with asbestos plans produced for buildings which contain them.  Listed buildings are more expensive to insure because of both their historical and architectural significance, and in the event of damage Listed Buildings also have to be replaced as they were. Buildings of completely wooden structures can often prove more costly to insure.

Another implication to consider is any alterations or changes of use that have been made to any buildings. For example, if your barn has been turned into an ice cream parlour, a farm shop or a wedding venue, you must disclose this immediately to your Broker to ensure you have the correct cover. 

Lastly, the contents of any farm building is of course also extremely important. Everything should be ideally insured on a new for old basis, and it is important that an individual’s Building Insurance dovetails with the Buildings Contents Insurance. 

Chris concludes on an uplifting note: “At H&H Insurance Brokers, we appreciate that taking the time to consider if each of your farm buildings is fully insured can seem like a daunting prospect. As a company, we have many years’ experience in providing support and advice to farms and rural businesses, and we always work closely with out colleagues at H&H Land & Estates to ensure our advice on Property Insurance and rebuilding costs are as current and comprehensive as it can be.” 

H&H Insurance Brokers is an independent insurance broker, and in addition to providing competitive and bespoke farm insurance, also advise on farm health and safety through its H&H Safety brand and also offer Asset Finance for Farm Machinery and Agricultural Building projects.

What our customers think

As the country is in a state at the moment I was impressed that H & H got in touch with the annual quote and the members of staff who help were very helpful.

Donna - 09 February 2021

very helpful service

03 February 2021

Very helpful
Very efficient company and staff were very helpful with any queries that I had . I will be using them again next year as I find the quote very competitive.

David - 02 February 2021

outstanding service
Very efficient speedy knowledgable and professional

Murray - 02 February 2021

First Class
First class service both from Edith down to Caroline. No question arrangement is a problem.

Sirs - 02 February 2021

Always very helpful
They are always helpful and good at answering any queries effectively.

02 February 2021

Good friendly service. Can't be beat on price .no problems putting a claim in.

Stpehen - 02 February 2021

Exceptionally friendly service & great quote
I phoned twice to get a quote for house insurance & spoke to Cameron & Lee. Both were exceptionally friendly & gave a great service.

David - 02 February 2021

Excellent customer service
Excellent, straight forward service.

Natalie - 02 February 2021

Very good
Haf who did the paperwork was very good, she was efficient without being pushy. Anything I wanted to know she found out and let me know immediately. She is very pleasant to deal with

Gwyneth - 02 February 2021

Fantastic service
Easy to communicate with

02 February 2021

Professional
Both personal and professional with detailed information and efficient communication

Douglas - 02 February 2021

Would recommend

10 January 2021

Excellent
Excellent service fast and hassle free kept up to date

Christopher - 08 January 2021

H&H Insurance.
they found me a good insurance at the right price .

Eric - 07 January 2021

They were supportive, persistent, patient and affable - and we concuded the business successfully. I would recommend them to anyone.

Richard - 07 January 2021

Excellent and speedy service
Anyone we spoke to was well informed and very helpful

07 January 2021

The whole experience easy from start to finish. Everything was explained to me before making my decision. Very helpful staff. Definitely recommend to others!

07 January 2021

Easy to deal with and efficient
Yes definitely

07 January 2021

Good prompt reply
Good prompt responses to questions and enquiries and they try hard not to be beaten on price.

07 January 2021

INDEPENDENT REVIEWS FROM FEEFO