Farm cover for farmers, by farmers
The Dickson family look after more than 300 acres of land in West Tyrone, so we understand farming inside out. We manage a suckler beef enterprise, breed pedigree Texel sheep, and have a birth-to-bacon pig herd, so if we’re not in the office we’re hard at it on the farm! Farming’s in the blood. That’s why we’re passionate about offering great insurance cover at sensible prices for the farming community, whether they’re estate, dairy, beef, sheep, poultry, cereal farmer, and everything in between.
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Types of insurance cover
For farmers, having the right insurance coverage is essential to protect your livelihood against a variety of risks. There are several types of cover available to farmers in Northern Ireland. Speak to Dickson’s about your requirements. Whether your diversifying, a part-time farmer, or a beef or arable farmer, we’ll recommend the best tailored policy for your needs.
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Farm Combined Insurance is a comprehensive policy that covers multiple aspects of a farm’s operations under one umbrella. This type of insurance typically includes:
- Buildings and Contents: Protection for farm buildings, machinery, and equipment against risks like fire, theft, and accidental damage
- Public and Employers’ Liability: Protection against claims from third parties or employees for injuries or damages
- Business Interruption: Compensation for lost income due to an insured event disrupting farm operations
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Livestock Insurance is crucial for farms that rely heavily on animals. This insurance covers:
- Mortality: Compensation for the death of livestock due to accidents, or natural disasters
- Theft and Straying: Coverage for animals that are stolen or stray away from the farm
- Transit: Protection for livestock while being transported
This type of insurance helps mitigate the financial impact of losing valuable animals
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Crop Insurance protects farmers against the loss of crops due to unforeseen events such as:
- Weather Events: Coverage for damage caused by hail, frost, drought, and floods.
- Pests and Diseases: Protection against crop loss due to infestations and plant diseases.
- Market Fluctuations: Some policies may also cover losses due to significant drops in market prices
This insurance ensures that farmers can recover financially from poor harvests
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Farm Vehicle Insurance covers all types of vehicles used on the farm, including tractors, harvesters, and ATVs. There are three main levels of coverage:
- Third-Party Only (TPO) insurance is the most basic level of Insurance Coverage. It covers:
- Injury to others
- Damage to Third Party Property
- Third Party Death
- Third-Party, Fire and Theft (TPFT) is a level of vehicle Insurance that provides more coverage than Third Party Only Cover but less than Comprehensive Cover. It covers:
- Third Party Liability
- Fire Damage
- Theft
- Comprehensive: insurance is the highest level of vehicle insurance coverage, offering protection for both your own vehicle and third parties:
- Third Party Liability
- Fire Damage
- Theft
- Accidental Damage to your vehicle
- Vandalism & malicious Damage
- Weather related damage
This insurance is essential for protecting the farm’s machinery and vehicles
- Third-Party Only (TPO) insurance is the most basic level of Insurance Coverage. It covers:
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Legal Expenses Insurance covers the costs associated with legal disputes, including:
- Employment Disputes: Legal fees for defending against claims from employees.
- Contract Disputes: Costs related to disputes with suppliers or customers.
- Property Issues: Legal expenses for disputes over land or property boundaries.
This insurance helps farmers manage the financial burden of legal challenge
Speak to Dickson’s about the right cover for your and your farm. The Dickson family are farmers ourselves, so we know what we’re talking about!
What we cover
Here’s a breakdown of what our policies offer.
| Available? | |
|---|---|
| Buildings and Contents | |
| Contents, including sporting equipment, guns, and saddlery | |
| Farm Vehicle - Comprehensive | |
| Farm Vehicle - Third Party Fire & Theft | |
| Farm Vehicle - Third Party Only | |
| Livestock death, disease and accident | |
| Livestock theft and straying | |
| Livestock in Transit | |
| Worrying | |
| Legal Expenses - Employment Disputes | |
| Legal Expenses - Property Issues | |
| Public and Employers' Liability | |
| Loss of Revenue | |
| Milk in Tanks | |
| Personal Accident & Sickness | |
| Farm All Risks |
The here and now protected. The here and next secured.
Dickson Group can offer Farm Combined insurance for farms of all sizes, which can include Public & Employers liability insurance, protection for your buildings, machinery and livestock, personal accident insurance, business interruption insurance and house and contents insurance.
We know that when you work in agriculture, your vehicles are critical to the operation of your business. In modern farming, vehicles of all sizes are an essential necessity and a large investment. We also appreciate the importance of your Livestock and we can provide all risks cover for specified animals and whole herds, protecting against loss, destruction, damage, death, injury, illness and disease.
Don’t just take our word for it
I have dealt with the staff in your Newry office for a long time and the service I receive from them is second to none.
GP, Newry
Keep up the good work.
JO’S, Fintona
Totally satisfied with everything.
KL, Cookstown
I am very satisfied with your service – I have used this brokerage for nearly 25 years and recommended you to family and friends
MC, Limavady
Great customer service.
TM, Dungannon
Service provided is excellent.
TT, Carrickmore
The service is excellent, very prompt and efficient to deal with.
VMcC, Newcastle
FAQs
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Farm insurance is a specialised type of insurance designed to cover the unique risks associated with running a farm. It typically includes coverage for farm property, equipment, livestock, and liability. Farmers need this insurance to protect their livelihood from unexpected events such as natural disasters, accidents, and theft.
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A comprehensive farm insurance policy usually includes:
- Property Coverage: Protects farm buildings, equipment, and personal property.
- Liability Coverage: Covers legal liability for injuries or damages caused to others on your farm.
- Livestock Coverage: Provides protection for your animals against risks like disease, theft, and accidents.
- Crop Insurance: Covers losses due to natural disasters, pests, and other perils.
- Business Interruption: Compensates for lost income if your farming operations are disrupted by a covered event.
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Farm insurance premiums are calculated based on several factors, including:
- Size and Type of Farm: Larger farms or those with higher-risk operations will have a bearing on insurance costs
- Location: Farms in areas close to the coast or that sit in flood plains may pay more for their cover
- Value of Insured Property: The total value of buildings, equipment, and livestock being insured
- Claims History: How many cliams have occurred in the last few years, what was the cause, and how much was paid by t he previous or current insurer
- Coverage Limits and Deductibles: Higher coverage limits and lower deductibles typically result in higher premiums
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Yes, we have access to several insurers who have customisable farm insurance policies. We can help you tailor your coverage to fit the specific needs of your farm and any other business interests you have. We’re farmers ourselves, so we know what we’re talking about!