Man on tablet in field

Preparing for the Year Ahead

Posted on: 7th April 2022

Our Account Executive, Natalie Carr, outlines the importance of ensuring that your farm has the right insurance cover in place for the year ahead

"When did you last check that your insurance policy is still fit for purpose? 

The arrival of Spring is one of the busiest times on farms, large or small, but it’s also an opportunity to take stock and prepare for the new season ahead and ensure that you are fully protected against any potential losses.  It is worth taking time to assess your business and your plans for the future. 

  • Are you planning to invest in new equipment or stock which could affect your cover?
  • Are you thinking about a diversification project, such as opening a campsite or selling produce at a farmers’ market?

If you’re planning on taking your business in a different direction then you need to consider the impact it could have on your insurance.   Businesses which are not fully covered face the prospect of being underinsured, if the worst were to happen. 

With the Covid-19 pandemic leading to more people taking staycations and exploring the countryside close to home, it’s essential that owners and occupiers of land had adequate public liability insurance.

If you have rights of way on your property, then it is your responsibility to ensure they are always accessible and that any gates and stiles are maintained. It’s a good idea to make sure any damage which may have occurred over the winter is repaired so footpaths and bridleways are in a good condition for the public to access.

It’s also worth reporting any issues with buildings on the property, such as any structural problems which may have emerged during the winter months.  Poorly maintained buildings could potentially be an issue if you need to make a claim, so it’s worth checking their condition. Buildings must be insured for their full value so getting a land agent or surveyor to check their value is advisable.

Carrying out an electrical check and obtaining an Electrical Installation Condition Report will also get you preferential rates with insurers. It’s worth doing this every five years."

If you would like some insurance advice, why not give us a call on 01228 406290 and we will advise you on the best cover for your business and ensure you have the necessary protections in place, giving you complete peace of mind.

What our customers think

Farm insurance renewal
Very helpful insurance review, not rushed and very thorough.

09 May 2022

They knew exactly what was required and were very efficient and helpful.

Pauline - 06 May 2022

Super fast quote, amazing service
Luke was an absolute star

Julia - 05 May 2022

Very helpful and fast service

Sirs - 05 May 2022

Great company to deal with
Excellent service from all the team! Great to have real people to work with, visit and chat about insurance cover. Superb, thanks

Rachael - 05 May 2022

The usual professional service.

Margaret - 05 May 2022

Great service (removed by Feefo) and great communication. I dealt with Chris, who is a very nice man. Thoroughly recommend them. **

07 April 2022

Put a lot of effort in to getting a good quote. Would recommend them to anyone.

Graham - 08 April 2022

See above
Ok. Would use again

Harley - 07 April 2022

Information requested received wIthin 30 minutes
Highly efficient and dealt with the matter immediately

07 April 2022

Helpful Service
Sue sent timely reminders and dealt with me professionally and effectively

Dawn - 07 April 2022

Great service excellent It was adam & Leanne hunter that put me in touch.
Thanks for insuring my for my contractor insurance when no one else seem to by able to help.

Adrian - 07 April 2022

Requested to pay renewals without any documentation being received. Still waiting on hard copies in spite of being told 1st envelope was posted last week and 2nd put in post on Mon. Expecting one to be in post today, Thursday.

Christine - 07 April 2022

Excellent as always.

Peter - 03 March 2022

Great effort
Luke worked hard to come up with a solution for us in difficult market conditions.

Malcolm - 03 March 2022

Friendly, personal touch
I would recommend H&H because of their friendly, efficient, cost effective, professional service.

Karen - 04 February 2022

If you are bored by insurance but smart enough to know it is needed !
I have less then straightforward needs when it comes to insurance cover and there’s no doubt that it doesn’t come cheap but……what price on feeling that you can go about your business and feel that you’ve got it covered. I have had to make a claim recently and it was resolved quickly and efficiently. Insurance sure is boring but necessary. I would recommend H and H wholeheartedly..

Amanda - 02 February 2022

Personal touch valued. Time to discuss details.
A personal visit from representative enabled us to discuss fully any points we were unsure about, thus enabling us to make a better informed decision about what to include and what to miss out.

Karen - 06 January 2022

Great service
Easy to deal with

05 January 2022

Recommend them again

Andy - 05 January 2022