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.