Management liability insurance for smaller rural businesses
Streamlined management liability insurance for smaller rural businesses
Underwritten by AXA Insurance UK plc, Rural Protect Elements helps policyholders face challenges from regulatory bodies or suppliers and to deal with administrative and legal issues. Cover is available for limited companies, sole traders or partnerships.
A streamlined version of Rural Protect, Rural Protect Elements caters for smaller rural businesses and smallholders who do not require the breadth of cover Rural Protect provides. Rural Protect Elements provides a high level of support to smaller businesses, tailored to their needs.
Specialist Rural Expertise
Rural Protect was built by insurance specialists with over 30 years experience working in the rural sector; this means that you and your customers can rest assured that we have an in-depth understanding of the agricultural sector, how it operates and the risks and challenges it faces. We provide a pragmatic and informed approach to underwriting to effectively support you and your customers.
Legal Support from rradar
Access to free legal tools and templates from specialist litigation and law firm, rradar, to help policyholders manage and reduce their regulatory and legal risks. With so many regulations to keep up with in the rural sector, this support assists policyholders in meeting their responsibilities.
Streamlined Insurance
Rural Protect Elements offers smaller rural businesses protection that may not ordinarily be available to them, catering for sole traders and partnerships as well as limited companies. This product offers beneficial cover without policyholders having to pay for cover they may not need.
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 Elements, 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.
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 Elements for your customers?
Rural Protect Elements & Rural Protect cover at a glance
Discover some of the core benefits and differences between Rural Protect Elements & Rural Protect.
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: Up to the limit of indemnity
- Excess: £750 Pursuit Only
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 Cover: £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: Up to the limit of indemnity
- Excess: £2,500
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 Elements Broker
Complete the form below, and let’s have a chat about becoming a Rural Protect Elements Broker.