Computer Systems
Loss, damage or breakdown of computers and some related equipment,including wiring. Extensions include reinstatement of data, consulting engineers fees, increased cost of working, replacement of software and increased rental charges.

Crops
Insurance against loss e.g. by hail, of growing crops.

Employers' Liability
This is a statutory requirement and includes a wide selection of direct and indirect employees, whether paid or not. Providing an indemnity for legal liability in respect of bodily injury, death, disease, or illness sustained by your employees and arising out of their normal course of employment.

Engineering Inspection
Amongst the many items of legislation about the work place are the "Provision and Use of Work Equipment Regulations 1998" and "The Lifting Operations and Lifting Equipment Regulations 1998" The considerable numbers of items encompassed by these regulations require inspection/examination by a "competent person" every 6 or 12 months, depending on the item. But legislative requirements are not exclusive to these two recent examples and specialist Insurance Companies are able to provide inspection and examination services.

Farmers' Combined
All embracing policy to include Farmhouse/Contents, Farm Buildings, Holiday Cottages, B&B, Caravans Site, DeadStock, Livestock, Machinery, Vehicles, Crops, Liabilities, Loss of Revenue, Milk in Tanks, Transit, Personal Accident etc.

Farm Machinery
Breakdown cover for tractors, harvesters, etc following expiry of Manufacturers warranties.

Farm Motor
Multi-vehicle policy to cover cars, tractors, combines, horseboxes, trailers etc.

Goods in Transit
A variety of policies to cover your goods whilst being carried by contractors or in your own vehicles. Includes loading and unloading and should include cover for removal of debris following a claim. Should also include tools whilst being carried on the vehicle, but may need a separate extension and will carry restrictions in cover relating to theft. If you are using Hauliers, check their contract conditions especially the maximum value of goods in their possession.

Livestock
Loss of animals as a result of specified diseases or whilst in transit. Fertility guarantee and frozen semen, temporary cover for bulls on hire.

Legal Expenses
A VITAL part of any insurance portfolio in the current climate of red tape and litigation. Usually providing an indemnity of £50,000 for legal and other expenses incurred as a result of employment disputes, VAT disputes, Inland Revenue investigations, contract disputes, debt recovery, property protection and tenancy disputes. Also included is FREE 24 hour legal help line.

Product Liability
Providing an indemnity for legal liability arising from products sold or supplied or services given or work undertaken in the course of your business. Frequently automatically included on small package policies for retailers, hoteliers, small builders and the like.

Public Liability
Providing an indemnity in respect of the legal liability arising in connection with your business to pay damages as a result of death or bodily injury or loss or damage to property of members of the public (excluding employees).