Specialist management liability insurance for rural businesses
Specialist management liability insurance for farmers and rural businesses
Rural Protect is a specialist management liability insurance product for farmers and rural business owners, helping them with instances of legal, regulatory or internal challenges. Underwritten by AXA Insurance UK plc and ARC Legal Assistance, this policy can cover sole traders, partnerships and limited companies.
The rural sector faces unique challenges that can lead to serious financial and operational consequences – from investigations and prosecutions to disputes that threaten livelihoods; Rural Protect provides cover for negligent acts or omissions by any employee and is built to support the daily running and challenges those rural businesses face.
No Prospect of Success Clause
Typical legal expenses policies have a Prospect of Success clause; this means the policyholder must have a 51% chance of winning a legal dispute for the policy to react in a defence case. This is not the case with Rural Protect, giving business owners peace of mind that they are supported should they need to defend themselves. Where the policyholder wishes to pursue a third party, a prospect of success clause does apply.
Insurance Built for the Policyholder
Unlike other Management Liability policies, Rural Protect was designed for farming and rural businesses specifically; this means, it covers risks that relate to the activities, challenges and regulatory bodies of the rural sector so you and your customers know they are getting cover suited to their needs.
Legal Assistance
Policyholders have access to rradar, a specialist litigation and commercial law firm; they use their legal expertise and digital tools to support, educate and advise Rural Protect policyholders on how to reduce their legal risks. With so many regulations to keep up with in the rural sector, this support assists rural businesses in ensuring their responsibilities are met.
24/7 Legal Crisis Line
Rural Protect policyholders gain access to rradar’s Crisis Line so should an incident occur that requires immediate legal support, they have a legal team on hand. Rural Protect policyholders also benefit from legal privilege which means that communication between the policyholder and rradar remains confidential; they can receive honest support without fear of communication being released, including in court.
Already a Rural Protect Broker?
As an existing Rural Protect broker, you’re already providing vital management liability protection to rural businesses. We appreciate your partnership in delivering a comprehensive insurance solution that offers invaluable cover backed by our rural expertise and legal support from rradar.
Ready to manage your clients’ needs? Our easy-to-use online system is designed for efficiency, allowing you to generate new quotes and retrieve or update existing ones with ease.
Want access to Rural Protect for your customers?
Rural Protect & Rural Protect Elements cover at a glance
Discover some of the core benefits and differences between Rural Protect & Rural Protect Elements.
Rural Protect Covers:
- Limit of Indemnity from £250,000 to £5,000,000
- Employment Practices Liability (optional): Unlimited number of employees Excess £10,000 (£1,500 where our advice followed – Nil where we successfully defend)
- Pursuit Cover: £100,000
- Fraud Cover: £10,000 with option to increase
- Agricultural Tenancy Disputes: £20,000 with option to increase
- Data Protection Breach Cover: £100,000
- Contractual Liability Cover: £100,000
- Family Legal Expenses Cover: £100,000
- Public Rights of Way Cover: £20,000
- Crisis Public Relations Cover: £100,000
- Shotgun and Firearm Licence Protection Cover: £100,000
- HMRC Tax Investigations Cover: Up to the limit of indemnity
- Excess: £2,500
Rural Protect Elements Covers:
- Limit of Indemnity: £75,000
- Employment Practices Liability (optional): Up to 2 employees Excess Nil (£1,500 where our advice is not followed)
- Pursuit Cover: £50,000
- Fraud Cover: £5,000 with option to increase
- Agricultural Tenancy Disputes Cover: £10,000
- Data Protection Breach Cover: £10,000
- Contractual Liability Cover: £75,000
- Family Legal Expenses: Not Covered
- Crisis Public Relations: Not Covered
- Public Rights of Way: Not Covered
- Shotgun and Firearm Licence Protection: Not Covered
- HMRC Tax Investigations Cover: Up to the limit of indemnity
- Excess: £750 Pursuit Only
RABI & RSABI
Rural Protect is committed to signposting the invaluable services of RABI and RSABI, strengthening our support for individuals and families across the UK’s agricultural communities.
By building these connections, Rural Protect is helping farmers, crofters, and their families access vital resources that protect both their well-being and their livelihoods. Our aim is to ensure farming people are aware of the help available to them – tailored to their personal needs, and especially valuable when facing the challenges of a legal issue, which is where we can help.
Become a Rural Protect Broker with HB Underwriting
Complete the form below, and let’s have a chat about becoming a Rural Protect broker.