Rural Insurance

Farm and Estate Owner Employer's Liability Insurance

With our employer’s liability insurance policies, Lycetts helps farm and estate employers to put the right cover arrangements in place and reduce exposure to risk.

Any farming business or estate employing a person or persons is legally obliged to take out at least £5m of employer’s liability insurance, which provides cover for claims made by employees for illness or injury incurred at work (although most policies provide £10m of cover).

 

Lycetts cover includes claim costs and damages awarded for bodily injuries incurred in the UK and overseas, manslaughter costs, additional business activities and court attendance compensation. At your request, we can add cover for personal and principal liabilities as an extension to your employer’s liability.

 

With government fines of up to £2,500 per day for employers without policies, it is well worth arranging the right level of cover early to avoid penalties.

Get in touch

We’ve offices located all across the United Kingdom

And we’re always available for you by telephone or email whenever and wherever you need us.

Contact our expert directly or alternatively complete your details below to contact the team.

John Murphy

Newcastle

Contact John Contact The Team
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How to claim employers liability insurance.

In the event of a claim, please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident. Some policies have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.

 

If the claim is to be for theft or malicious damage, please remember to report the incident to the police and obtain a crime reference number. On larger claims (in excess of £2,000), insurers may wish to appoint a loss adjuster, in which case your Lycetts team will provide advice on procedure. Regarding liability claims, it is essential that any potential claims are notified to Lycetts immediately and all correspondence is promptly forwarded to your Lycetts contact.

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