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Below are the benefits that come as standard for both our Smart Farm Easy and Smart Farm Choice cover options

Public Liability

• Protecting you if you or your employees are held responsible for accidental injury to clients, customers or the public. Standard cover of up to €6.5 million for public liability claims.

Environmental Liability

• Cover up to €2.6 million, to protect against costs associated with gradual environmental damage and pollution, including own land and third-party clean-up costs.

Legal Expenses

• cover provides legal costs of up to €150,000 per claim, and up to €1,500,000 for any one period of insurance. It covers issues such as property disputes, alleged wrongful dismissal of employees or contract disagreements.

Below are the optional extra benefits that you can choose to add to both our Smart Farm Easy and Smart Farm Choice cover options

Personal Accident

• Option to include cover for up to 24 months income if you are unable to work on your farm due to unforeseen circumstances. 

Injury to Worker

• Option to include cover for up to €13 million for employer liability claims. This cover is available for both family and non-family workers.

Farm Property

• Livestock – Option to include specific cover for the death or slaughter on humane grounds of your livestock. Protect your animals in case of flood, fire, lightning, explosion, storm, electrocution, collapse of slats, livestock on foot and livestock in transit.

• Farm outbuildings and contents – Option to include extensive cover for outbuildings and contents, including storm cover on outbuildings and milking equipment. There’s no need to break down your contents between hay and straw, agricultural produce, and implements and utensils. Simply provide us with a single figure to cover your outbuildings content. Subject to terms and conditions.

• Farm-dwelling house – Option to include farmhouse and contents cover to protect your home and your business – including business contents, fire brigade charges and accidental damage cover.

Tractors and Agricultural Vehicles

• Option to include third party, fire and theft, or comprehensive cover for farm vehicles. Trailer cover is also available.

Jeep Insurance

• Option to cover for farm jeeps used for farming, social, domestic and pleasure purposes only. Restricted to 2-seater commercial jeeps and commercial crew cab.

Below are the optional extra benefits that you can choose to add to our Smart Farm Choice cover options

Hospitalisation for Sickness Covers

• Option to include cover to provide you with an income due to hospitalisation as a result of unforeseen sickness. The benefit is payable from the fifth day in hospital up to a maximum of 12 weeks.

Theft

• Option to include protection against loss of livestock, stolen and unrecovered, due to theft, as well as the option to protect the farm tools you own against theft if your insured farm property is broken into. This is available as an add-on. Theft of diesel is included in your cover at no extra cost when outbuildings are insured.

Losses

• Milk – Option to include cover loss or deterioration of milk contained in the tank, including loss due to failure of any thermostatic controlling device, the public supply of electricity, or damage to the bulk milk tank where such failure is not the result of a deliberate act. It also covers loss of your own milk if it’s rejected by the Co-Op because of accidental contamination by antibiotic residue and failure of the Co-op to collect.
• Crops – Option to include cover for loss of or damage to growing crops caused by fire, lightning, explosion, impact and aircraft.
• Pedigree Livestock – Option to include cover for death or infertility as a result of any accident, illness or disease is available as part of the farm policy.
• Forestry – Option to include protection for storm for crops (aged less than 21 years) and fire cover.
• Sheep Flock – Option to include protection for your sheep flock against fatal injury or necessary slaughter arising from dog attack or dog/sheep worrying.

All-Risks Cover for Specialist Equipment

• Option to include cover all your specialist equipment, including bulk milk tank, A.I. flasks, cameras, tack, trailers, calving cameras, and more.

Public Liability protects you if your negligence (or your employees’ negligence) causes damage or injury to the public. Standard cover is up to €6.5 million for public liability claims. Public Liability Cover does not protect you against injury to an employee or voluntary helper on the farm. You will need Employers Liability Cover for this. 

This cover provides you with an income due to hospitalisation as a result of unforeseen sickness. The benefit is payable from the fifth day in hospital up to a maximum of 12 weeks. You can either opt for a weekly benefit of €350 or €700. (Only available on Smart Farm Choices Policies). 

Sheep Worrying* is an optional additional benefit. If selected, we will pay you for fatal injury or necessary slaughter, occurring within seven days to sheep, resulting solely and directly from any dog attack or worrying by dog(s). Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies).

* Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Personal Accident Cover* is an optional additional benefit you can choose which provides you with an income if you are unable to work on your farm due to an accident. The payment starts after one week and can be used to pay someone while you're unable to work.

Temporary Total Disablement is payable for a maximum of 104 weeks and a weekly payment limit of between €300 and €700 applies depending on the option you have selected.

Temporary Partial Disablement (which would be the most common claim) is payable for a maximum of 26 weeks and a weekly payment limit between €150 and €350 applies depending on the option you have selected. Our team are ready to discuss these options with you.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Livestock Theft* is an optional additional benefit. If selected it will cover loss (but not damage to, or injury) to livestock stolen and unrecovered as a result of theft. Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies).

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

With both Smart Farm Easy and Smart Farm Choices you can add farm outbuildings and contents cover to your policy. Storm cover is included for all outbuildings that are in a good state of repair with no visible roof sagging, holes or gaps and are constructed within the last 40 years and made of steel frame, concrete, block or stone and roofed with asbestos, galvanise, cladding or stone. Outbuildings older than 40 years can be included for storm once confirmation exists that they currently are insured for storm with their current insurer. This is subject to terms and conditions, so if you’re unsure our farm insurance agents will be happy to assist or refer to your policy documentation. 

Our Low Claims discount rewards customers that have been claims-free for the last three years. You can receive up to 30% off! Speak to our team now to find out more. 

Environmental Liability protects against costs associated with gradual environmental damage and pollution, including own land and third-party clean-up costs. Cover up to €2.6 million

Legal Expenses Cover will cover your legal costs of up to €150,000 per claim, and up to €1.5 million for any one period of insurance. It covers issues such as property disputes, alleged wrongful dismissal of employees or contract disagreements. 

Employer’s Liability Cover is designed to protect you against legal liability for any injury or disease caused to your employees and family members over 14 years old in the course of their farming duties. You have the option to add Employers Liability Cover* to your policy which provides cover for up to €13 million.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy. 

A range of farm vehicles can be covered:

Tractors and agricultural vehicles including diggers, loaders, and quads can be covered for third party, fire and theft, or comprehensive cover.  Specified trailer cover is also available. 

Jeep Insurance: Option to cover farm jeeps used for farming, social, domestic and pleasure purposes only. Restricted to 2-seater commercial jeeps or 5-seater crew cab pickup type vehicle. 

A policy excess is the part of a claim that is paid by the policyholder rather than the insurance company. For example, if there was a €200 excess and a claim for €5,000 of damage. The insurance company would contribute €4,800 towards the damage, i.e. €5,000 minus the €200 excess. 

Depending on the policy and additional options you choose, cover is available for the following:

• You
• Your home and is contents
• Your farm buildings and contents
• Your machinery
• Members of the public
• Your livestock
• Your tools & equipment
• Your income
• Your crops

Pedigree Livestock* is an optional additional benefit If selected, we will pay you for fatal injury or infertility to any animal specified in the schedule following an accident, illness or disease or its necessary slaughter (under certificate by a duly qualified veterinary surgeon) within 14 days of such accident – but only to the market value of the animal at the time of the accident. The amount payable won’t exceed the Sum Insured stated on the Schedule. Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies). 

* Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

You have the option to include cover all your specialist equipment, including bulk milk tank, A.I. flasks, cameras, tack, trailers, calving cameras, and more. Our Team can discuss these options with you.

Livestock Option to include specific cover for the death or necessary slaughter of your livestock. Protect your animals in case of fire, lightning, explosion, storm, electrocution, the collapse of slats, while in transit or while on foot away from your farm.

Farm Outbuildings & Contents Option to include extensive cover for outbuildings and contents, including storm cover. Outbuilding contents cover is also available.

Farm-dwelling House Option to include farmhouse and contents cover to protect your home and your business — including business contents, fire brigade charges and accidental damage cover.