Rural Insurance. One of the UK s leading specialists in rural and agricultural insurance. Product portfolio and ways to trade

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1 Rural Isurace Oe of the UK s leadig specialists i rural ad agricultural isurace Product portfolio ad ways to trade Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

2 2 Welcome to Rural Isurace As a uderwritig compay dedicated to workig exclusively with brokers, we combie a wealth of experiece with uderwritig excellece to provide isurace solutios to meet a broad rage of rural busiess ad farmig requiremets. Cotets p3 Tradig optios p4-5 Farm Combied p6 Farm Motor p7 Rural Busiess Motor p8 Equie p9 Reewable Eergy Our history Rural Isurace was formed i 1995 by a team of isurace professioals passioate about offerig farmig ad agricultural busiess isurace to the rural commuity. The compay experieced steady growth i the late 1990 s ad soo became a well-kow provider of specialist agricultural ad rural isurace i the UK. I 2009 Rural Isurace became part of the UK Geeral Isurace Group, the UK's largest specialist MGA ad member of the Maagig Geeral Agets Associatio (MGAA). The UK Geeral Isurace Group writes i excess of 350m millio GWP, tradig with over 2,500 brokers i the UK. p9 p10 p11 p12 Livestock Agricultural Pollutio Liability Service stadards & our claims promise Become a Rural Broker & Delegated Authority Rural Isurace cotiues to grow ad is ow oe of the UK s leadig agricultural isurace providers with ambitious plas for further growth. Our products Our products are desiged to protect the assets ad isure the liabilities of agricultural ad rural based busiesses, while also reducig their exposure to risk through providig effective risk maagemet assistace ad advice. Direct to Delegated Schemes Uderwriter Authority Farm Combied Farm Motor Rural Busiess Motor Equie Reewable Eergy Livestock Agricultural Pollutio Liability Smallholders Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE

3 3 Tradig optios We offer our broker parters a rage of flexible ad iovative ways to trade our specialist agricultural ad rural isurace products. Our iovative tradig solutios iclude Direct to Uderwriter, Delegated Authority ad Schemes. Direct to Uderwriter At Rural Isurace we believe i buildig edurig parterships. That is why we provide direct access to our team of expert professioal uderwriters ad strive to provide a exceptioal service at all times. You ca discuss your cliet s requiremets with experieced members of staff, empowered to make decisios, for quick quotatios ad policy iceptio. Our uderwriters have may years experiece ad kowledge of the rural ad agricultural isurace market. We pride ourselves o the expertise we offer brokers, assistig i deliverig specialist isurace solutios. Opeig times: Our uderwritig cetre is ope Moday to Friday 9am to 5pm Delegated Authority By providig Delegated Authority (DA) we eable brokers to cotrol service delivery from ed-toed. We provide our stadard products o a et rated basis, so our broker parters ca build i the margi they require i order to provide the service their cliets demad, ad to maitai the competitive edge i order to develop their busiess. Ulike most Delegated Authority arragemets that require large miimum Gross Writte Premium (GWP) levels ad substatial ivestmet, we oly require a miimum commitmet of 100k GWP to implemet oe of these facilities. With DA brokers ca: Cotrol sellig price with a et rated product Apply their ow bradig Take cotrol of service ad admi Our DA is available o: Farm Equie We work i collaboratio with our broker parters to esure that the delegated authority is appropriate to the eeds of their busiess ad the experiece of their staff. Schemes The ability for brokers to differetiate their products ad services from the competitio is vital i today s highly competitive marketplace. With a Rural Scheme brokers ca: Use their kowledge ad expertise to tailor a product to their requiremets Cotrol sellig price with a et rated product Apply their ow bradig Beefit from delegated authority Take cotrol of service ad admiistratio Ulike most scheme facilities that require high miimum GWP levels ad substatial ivestmet, Rural schemes facilities will be cosidered o books of busiess of 100k GWP or more. Rural Schemes are available o the followig products: Farm Equie Smallholders We are flexible about product desig ad ca adapt these to meet the eeds of brokers ad affiity groups. For brokers who are usure if a scheme opportuity exists, Rural Isurace ca assist i idetifyig scheme opportuities that will lead to improved icome ad busiess growth. Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

4 4 Farm Combied Our Farm Combied isurace is a multi-sectio policy that ecompasses all aspects of farmig busiess ad ca accommodate risks from the hobby farmer to large workig farms ad estates. Beefits Farm Property Protectio Damage to farm property cotets by perils selected Buildigs cover o moder materials plus ability to iclude reistatemet of traditioal materials (cotets ca iclude reistatemet basis of settlemet) Buildigs ad cotets automatically icludes clea up of ow lad followig oil cotamiatio ad clea up of illegally dumped waste (fly-tippig) Additioally we ca offer cover for: Liability Protectio for busiess legal liability Livestock - fatal ijury o, ad away from, the premises, i trasit ad livestock worryig Busiess moey cover Goods i trasit Reveue protectio by coverig loss of reveue ad icreased costs of workig Employers liability ca be exteded to iclude liability to pay wages uder the Agricultural Wages Act Public ad products liability 1millio limit of idemity for statutory clea up costs followig sudde, uiteded, idetifiable ad uexpected pollutio Ow premises cotamiatio clea up costs up to 25,000 Ow premises illegal waste removal costs up to 10,000 Additioally we ca offer cover for: Third party fiacial loss, where there is o physical loss or damage Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE

5 (cot.) Beefits (cot.) 5 Persoal Accidet & Sickess Cover for policyholders, workers ad family followig accidetal ijury, sickess or disease Lump sum paymets for death, total disablemet, partial disablemet ad weekly paymets for temporary total disablemet Tradig optios Busiess All Risks Provides "all risks" cover for a variety of items Ucollected milk idemity (ca be exteded to iclude atibiotic cotamiatio of your milk) Loss of froze bovie seme i straws or itroge flasks Loss of oil ad fertiliser from taks Office cotets Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. Delegated Authority Take o cotrol of service delivery, premium ad profit with a delegated uderwritig authority arragemet. Private House Buildigs Private House Buildigs ca iclude log term let property, holiday lets ad mobile homes Loss or damage to your house ad associated outbuildigs We automatically iclude liability at law cover Subsidece cover is provided as stadard, with Accidetal Damage available as a optioal extesio Schemes Tailor a product to meet idividual cover requiremets. Available for books of busiess of 100K GWP or more. Private House Cotets New for Old basis of cover Private House Cotets cover provides cover for your persoal belogigs ad ca iclude Accidetal Damage Legal Expeses ad Persoal Legal Protectio Legal Protectio for the followig circumstaces Icrease to Cotets Sum Isured by 10% i December or 30 days prior to your weddig Alterative Accommodatio costs up to 15% of the Cotets Sum Isured Replacemet locks up to 300 Cotets i the ope up to 300 Persoal All Risks cover available as a extesio Temporary removal of cotets from the home Liability at law Bodily ijury Legal defece Cotract disputes Property protectio Debt recovery Tax protectio Reewable Eergy Our ew rage of reewable eergy products eables our policyholders to exted cover to protect their valuable ivestmet i wid turbies, solar paels, hydroelectric plats or biomass/aaerobic digestio plats. For further details see page 9. Helplie Services Employmet disputes & compesatio awards Jury service & court attedace (Persoal Oly) Idetity theft (Persoal Oly) Commercial & residetial emergecy assistace Ay of our Farm Combied policyholders ca call our Helplie services which will assist with the followig: Olie Services Ay of our Farm Combied policyholders ca access our Olie resource which ca provide assistace with the followig: Busiess assistace Eurolaw legal advice Cousellig Tax advice Health & medical iformatio Veteriary help Idetity theft Employmet Health & safety Property Family matters Agricultural Pollutio Liability I the evet of pollutio, this policy provides protectio agaist the clea-up costs. I additio experts will be o had to deal with the emergecy, clea up damage ad mitigate ay further loss. For further details see page 10. Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

6 6 Farm Motor Our Farm Motor isurace is desiged to keep people movig i the right directio coverig everythig from private cars ad commercial goods vehicles through to agricultural vehicles of all shapes ad sizes... all uder oe policy. Beefits Tradig optios Private cars, agricultural ad commercial vehicles Comprehesive, Third Party Fire & Theft or Third Party cover New for Old replacemet o private cars ad light commercial vehicles followig a total loss accidet, fire or theft if uder 12 moths old ad owed from ew. Trailers ad Implemets, attached or detached ad out of use, are automatically covered up to 30,000 per item if we isure your agricultural vehicles. Replacemet glass cover with automated billig Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. ELECTRONIC COVER NOTES FACILITY Rural s e-commerce portal allows our brokers to process motor isurace amedmets istatly ad dowload cover otes for your cliets. Replacemet locks followig attempted theft Drivig abroad cover for private cars for up to 3 moths per aum i EU coutries Legal liability for death, ijury ad damage Persoal ijury ad medical expeses Persoal effects cover Temporary replacemet vehicle Security ad immobiliser discouts Geerous o claims discout with the opportuity to "protect" the discout Third party liability ad legal costs icurred Medical expeses for the isured ad spouse/domestic parter for death or loss of limbs/sight Cover for belogigs i your vehicle Eterprise ret-a-car will provide a replacemet vehicle whilst yours is beig repaired, for a period of up to 21 days Immobiliser discouts for Agricultural Vehicles Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE

7 7 Rural Busiess Motor Our Rural Busiess Motor isurace is a market leadig product available for a wide rage of trades ad occupatios, with the ability to combie cars, vas ad motorised horseboxes together o oe policy. This product will appeal to rurally based busiesses operatig up to 8 vehicles withi their ow locality. Private cars, commercial vehicles ad motorised horseboxes up to 7.5 toes Beefits Comprehesive, Third Party Fire & Theft or Third Party oly cover New for Old replacemet o private cars ad light commercial vehicles followig a total loss accidet, fire or theft if uder 12 moths old ad owed from ew. Certai types of trailers automatically covered up to 3,500 i value each Replacemet glass cover with automated billig Replacemet locks followig attempted theft Drivig abroad cover for private cars for up to 3 moths per aum i EU coutries Tradig optios Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. ELECTRONIC COVER NOTES FACILITY Rural s e-commerce portal allows our brokers to process motor isurace amedmets istatly ad dowload cover otes for your cliets. Temporary replacemet vehicle Geerous o claims discout ad garagig discout Eterprise ret-a-car will provide a alterative private car type vehicle whilst yours is beig repaired, for a period of up to 21 days i ay oe period of isurace Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

8 8 Equie Our flexible Equie product offers the ability to create bespoke cover across three classes of use. This icludes poit to poit, advaced evetig, show jumpig, hackig ad poy club. Beefits Tradig optios Loss of Aimal (up to 100,000 Sum Isured) Veteriary Fees Loss of Use Cover for death by accidet, illess or disease Cover for the value of the horse followig theft or mysterious disappearace Up to 10,000 per icidet (Less excess / Co isurace clause) 15,000 i total per horse per policy period 75% of the Sum Isured or Market Value (whichever the lower) Delegated Authority Take o cotrol of service delivery, premium ad profit with a delegated uderwritig authority arragemet. Schemes Tailor a product to meet idividual cover requiremets. Available for books of busiess of 350k GWP or more. Persoal Liability 2millio per horse Saddlery ad Tack Loss, theft or damage to saddlery ad tack Horse Trailer ad Horse Draw Vehicles Loss, theft or accidetal damage up to 20,000 per item Persoal Accidet Up to 20,000 i beefits Equie Legal Expeses Coverig legal expeses ad oppoet costs arisig from a icidet ivolvig the isured horse Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE

9 9 Reewable Eergy Icreasigly, farmers ad ladowers are diversifyig ito the productio of electricity to geerate their ow eergy source ad to create a ew icome stream from the paymet of govermet icetives. Beefits Tradig optios Wid turbies, solar paels, biomass ad aaerobic istallatio plats, hydroelectric plats Material damage to the isured property ad ay resultat busiess iterruptio Mechaical ad electrical breakdow Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. Costs icurred to remove debris or to make ecessary repairs Professioal fees icurred to ivestigate claims Cover available as soo as isurable iterest commeces Livestock If you isure your farm with us, our Livestock policy provides all risks cover for specified aimals ad whole herds as a result of loss, destructio, damage, death, ijury, illess ad disease. All risks mortality for specified aimals icludig workig dogs Fertility guaratee Loss of use - ifertility Disease (herds ad flocks) Beefits Death of the specified aimal from accidet, ijury, illess or disease cotracted Loss arisig out of the Guaratee of Fertility give by you to the purchaser The specified aimal becomes permaetly ifertile, impotet or icapable of service Athrax Foot & mouth Aujeszky s disease Maedi Visi Brucellosis Swie vesicular disease Europea swie fever Tuberculosis reactor Tradig optios Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

10 10 Agricultural Pollutio Liability Rural s Agricultural Pollutio Liability provides protectio should your cliet have to pay clea-up costs which may be uexpected ad sigificat. The policy will also provide peace of mid that if a pollutio icidet is idetified, experts will be o had to deal with the emergecy ad will clea up damage ad mitigate ay further loss. Beefits Tradig optios Imposed Remediatio costs Up to 2,000,000 costs icurred resultig from regulatory requiremet to clea up damage caused by pollutio Direct to Uderwriter Cotact our expert uderwritig team direct for a quotatio. Eviromet impairmet Ow site clea-up costs Cover for both sudde ad accidetal ad gradual pollutio Legal costs ad expeses Legal Liability Trasportatio Up to 2,000,000 damages the isured is legally liable to pay due to accidetal bodily ijury; property damage; trespass, uisace or obstructio arisig out of pollutio Icludes dimiishmet i value Legal costs ad expeses Up to 2,000,000 damages the isured is legally liable to pay due to damage caused by trasportatio of products or waste Farm Combied Agricultural Pollutio Liability cover ca be take out idividually or added to our farm combied policy. For further details see page 4. Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE

11 11 Service stadards Our goal is to provide the highest quality of service to all our brokers. We have several ew iitiatives i place to esure you feel cofidet i our quality of service each ad every time you cotact us. Ope for busiess Ehaced service Workig i partership We coduct ourselves with a ca do attitude ad ethusiasm for busiess. We provide direct access to decisio makers who uderstad both the agricultural ad rural idustry ad the isurace covers available. We esure prompt admiistratio, cotrol ad maagemet of equiries from start to fiish. We have implemeted a busiess improvemet programme uderpied by moder techology. We regularly review our iteral processes to improve our ew busiess ad reewal teams. All documetatio is issued electroically as secure PDF files (icludig motor ad employers liability certificates). We always strive to esure: We are committed to buildig log-stadig, trusted relatioships. Access to the services of oe of our Regioal Sales Maagers. Key accouts will be assiged a specialist ad dedicated idividual at our head office i Harrogate. Regular cotact from our dedicated team. 24 hour turaroud for straight forward ew busiess equiries. Expert solutios tailored to idividual eeds. 72 hours for more complex cases. Reewals ivitatios 30 days i advace. Our claims promise At Rural Isurace we uderstad that claims is oe of the most importat services we provide to our broker parters. Dedicated claims hadler: a iovative claims maagemet approach with parter, the UK s leadig specialist agricultural loss adjuster. Claim otificatio: oe poit of cotact to esure less hassle for both brokers ad policyholders. The claimat otifies the claim directly to Agrical without the eed for the itervetio of a First otificatio of loss team. Delegated Authority: Agrical have delegated authority to deal with claims o our behalf, elimiatig the eed for referral. Multi-policy claims co-ordiatio: if a cliet has both Farm ad Farm Motor policies with Rural, the Agrical will coordiate the claims o both policies. Claims reserves: Agrical hold our fuds i order to eable swift paymets, essetial to the smooth ruig of a claim. Out of hours: claims hadlers are cotactable 24 hours a day, 7 days a week. Policy access: Agrical has direct access to our computer systems to validate cover ad dowload policy schedules. Our approach is simple, we believe i providig our broker parters ad their customers with a resposive ad accessible claims service. Rural Isurace agricultural ad rural isurace specialists Tel: Fax: ruralisurace.co.uk

12 12 Become a Rural Broker At Rural Isurace we uderstad that the farmig ad agricultural commuity require specialist isurace, ad a professioal, kowledgeable broker is ivaluable. We work closely with brokers to offer the products your cliets require ad aim to provide the most extesive rage of cover available i the marketplace. If you are iterested i tradig ay of our products ad becomig a Rural Isurace broker, please cotact oe of our Telephoe Accout Maagers o or complete our equiry form at: ruralisurace.co.uk/forms/become-a-rural-broker Grow your busiess with Delegated Authority Cotrol service delivery from ed to ed with Delegated Authority (DA) from Rural. We oly require a miimum commitmet of 100k GWP to implemet a facility, allowig you to take cotrol of service ad admi as well as applyig your ow bradig. Our DA is available o: Farm Equie Smallholders Talk to us today about the beefits of havig your ow facility. Take advatage of our Marketig Support To assist our brokers i developig ad growig their busiesses, Rural offers tradig parters access to a rage of marketig templates that ca be persoalised ad dual braded. Aother way i which we help to drive busiess for our tradig parters is through our 'fid a broker' fuctio o the Rural website. This allows prospective policyholders to quickly ad easily fid their local Rural broker. For further iformatio, ad a copy of our sales ad marketig support pack, cotact us o the details below. Tel: Fax: Rural Isurace agricultural ad rural isurace specialists The Lez Horbeam Park Harrogate HG2 8RE Rural Isurace Group Limited is authorised ad regulated by the Fiacial Coduct Authority. Registered address: Cast House, Old Mill Busiess Park, Gibraltar Islad Road, Leeds LS10 1RJ Registered i Eglad ad Wales. Registered o

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