Farm cover for farmers, by farmers
The Dickson family look after more than 300 acres of land in West Tyrone, so they understand farming inside out. They manage a suckler beef enterprise, breed pedigree Texel sheep, and have a birth-to-bacon pig herd, so if they’re not in the office they’re hard at it on the farm! Farming’s in the blood. That’s why Dickson Group is 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
- Livestock: Coverage for livestock against diseases, accidents, and theft
- 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, diseases, 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 animal
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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): Covers damage to other vehicles and property
- Third-Party, Fire and Theft (TPFT): Includes TPO coverage plus protection against fire damage and theft
- Comprehensive: Covers damage to the insured vehicle as well as third-party liabilities.
- This insurance is essential for protecting the farm’s machinery and vehicles
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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
Strabane Mills have been using Dickson Group for many years. They have always been very competitive with their policies; but they are also friendly and a pleasure to do business with. It’s a comfort to know that your Insurance Broker really does have your best interests in mind.
Tim TraillStrabane Mills
The transport industry is highly competitive and the insurance needs of my company are complex. We have trucks right across Europe and having a company that is more of a partner than supplier is key.
W DonnellDonnell and Ellis Transport
FAQs
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Household insurance, also known as home insurance, is a type of insurance policy that provides financial protection against damage or loss to your home and its contents. It typically covers risks such as fire, theft, vandalism, and certain natural disasters
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Household insurance, also known as home insurance, is a type of insurance policy that provides financial protection against damage or loss to your home and its contents. It typically covers risks such as fire, theft, vandalism, and certain natural disasters
-
Household insurance, also known as home insurance, is a type of insurance policy that provides financial protection against damage or loss to your home and its contents. It typically covers risks such as fire, theft, vandalism, and certain natural disasters
-
Household insurance, also known as home insurance, is a type of insurance policy that provides financial protection against damage or loss to your home and its contents. It typically covers risks such as fire, theft, vandalism, and certain natural disasters