Why Do Contractors Need Public Liability Insurance?
Agricultural Contractor Business insurance is vital for any company or individual/sole trader who operates an Agricultural Contractor business, providing protection against claims made by members of the public.
The business itself could involve a number of different roles, from crop spraying to harvesting, form maintaining machinery to working with livestock.
There are, of course, many specialisms within the Agricultural Contractor business and specific roles may also require specific Agricultural Contractor Business Insurance.
We work with a wide range of businesses in the UK to source the right type and level of business insurance for their commercial interests.
This includes agricultural business and, thanks to our extensive network of underwriters, we can often source insurance policies for our clients at rates that our competitors simply cannot match.
As an award-winning chartered insurance broker, we always have the interests of our clients at heart, we get to know each and every business we provide insurance for.
This allows us to better understand your business and your specific insurance requirements. For such a varied occupation as an agricultural contractor, this is vital in ensuring that you have the right amount of cover, whether you operate as a sole trader or have a larger firm or team of contractors at your disposal.
You can go online and obtain a free and no obligation quote or you can call and speak to one of our dedicated insurance specialists who will be happy to answer any questions you have about your Agricultural Contractor Business Insurance.
Our insurance experts will help you find the best quote for your commercial insurance and give you the peace of mind that you have all the cover you need.
Protecting your business with the right level of insurance
An Agricultural Contractor Business requires more than just agricultural knowledge to be successful. You will often be working with a wide range of different individuals, in a number of different working and weather conditions.
You will also often be required to take on a number of different tasks on the same day! Due to the variety of tasks that are likely to be performed on a daily basis you will need a quality Agricultural Contractor Business Insurance policy to ensure that you are covered against any eventuality.
Your work may put you directly in a public facing role as an agricultural contractor. For instance, if you are working on an open farm you may be required to drive commercial vehicles from one area to the next. You may also be required to deal directly with the public if goods are sold directly via a farm shop for instance.
In these cases, specific Public Liability Insurance policies will likely be required to protect you against any lawsuit that may be brought against you by a member of the public – even if you rarely work in a public facing role.
The potential hazards within the Agricultural Contractor Business are many and there are instances which may be out of your control. For instance, if you are in charge of livestock and are driving/herding livestock from one place to another and they wander onto a public road injuring a member of the public you may be held liable.
If you have been put in charge of a mechanical machine or vehicle on a working farm and it malfunctions, for example, during a school trip you may be held liable.
If you are working in crop field spraying and the wind conditions change causing some of the pesticides to spay outside of the field and into the public domain and a member of the public sues you may be held liable.
The possibilities for litigation being made against you are numerous so it is always best to protect both yourself and your business against any eventuality.
As an agricultural contractor you will also likely be in charge of, or own, heavy commercial equipment or vehicles. It is vital that you have the right type and level of commercial insurance in place in case of any theft or damages to your equipment or vehicle to safeguard the future of your business.
If you own a larger Agricultural Contractor Business and have a number of employees working for you, some form of employer’s liability insurance will be needed.
Even if you take on seasonal or temporary workers it is best to ensure you are covered against any litigation that may be brought against a member of your team or even to protect your business if a member of your team were to sue following an accident.
While many circumstances involving litigation may seem unlikely, such as being sued by a family member in a family business, it is always better to play safe and protect your business interests and your livelihood by being properly insured.
Commercial Insurance from Performance Direct
At Performance Direct, we approach each client and every business on their individual merit and do not believe in ‘one policy fits all’. We believe that by learning about you and your business we can source a better insurance policy to suit your commercial insurance needs.
So, whether your work in the Agricultural Contractor Business in general or are specialised in it, whether you work for yourself or own a larger business, we can source exactly the right insurance for your requirements.
Our dedicated team of insurance specialists are on hand to discuss you and your business. Because we are a specialist insurance broker we have amassed a large network of insurers across the UK that we utilise to provide clients with great quotes on their specific commercial insurance needs.
So, for your Agricultural Contractor Business Insurance simply get in touch and talk to a member of our team and they will do their best to help you source the right insurance policy for your requirements.
You can also go online to obtain a quick quote via our bespoke quote engine. However you choose to get in touch you can be sure your Agricultural Contractor Business Insurance cover is in the right hands with Performance Direct.
