Rural Protect Elements

We developed Rural Protect Elements in response to broker feedback, to help them cater for smaller rural businesses and smallholders who do not necessarily require the length and breadth of cover available through Rural Protect. The premium structure of Rural Protect Elements also reflects its simplification, offering a high level of support to smaller businesses, without them paying for cover they neither want nor need.

Underwritten by AXA Insurance plc, Rural Protect Elements helps smaller rural businesses and smallholders face challenges from regulatory bodies, administrative and legal issues, whether they are a limited company, partnership or sole trader.

What does Rural Protect Elements cover?

Protection for the rural sector requires an in-depth knowledge of the challenges and risks farming businesses face. Since Rural Protect’s development, and subsequent take up by rural businesses, we have recognised a need to provide smaller businesses with an accessible equivalent.

Rural Protect Elements provides cover for all forms of negligent acts or omissions by any member of the organisation, be they a director, employee or volunteer. Just a single event can have a catastrophic impact on a small business; Rural Protect Elements delivers assistance in the day-to-day running of businesses to help prevent issues whilst providing cover should they arise. Rural Protect Elements offers support in defending or taking legal action against a third party and will protect policyholders from the costs of all UK regulator investigations and prosecution.

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Rural Protect Elements at a glance

Rural Protect Elements is a tailored product designed to meet the needs of smaller rural businesses. Trade acceptability follows Rural Protect, some key differences between the two are:

Feature Rural Protect Rural Protect Elements
Turnover Up to £25,000,000 pa Up to £50,000 pa
Indemnity Limit From £100,000 to £5,000,000 £75,000
Pursuit Indemnity Limit (aggregate limit) £100,000 £50,000
Fraud Covers £10,000 £5,000
Debt Recovery · The minimum amount in dispute exceeds £5,000

· Costs incurred in any debt recovery claim up to £10,000 shall not exceed 50% of the total amount of the claim.


rradarrecover applies

One complimentary submission of an active debt:

·   24/7 access to rradarrecover

·   Calculation of late payment charges and interest

·   Option to send late payment, pre-action and draft court proceedings solicitor’s letters to debtor

For any debt recovery beyond the one complimentary active debt recovery submission, there is the option to purchase a pay as you go / monthly subscription to rradarrecover.

 Fees for Intervention


Health & Safety Executive, Pension, Civil and Environmental Health & Safety Executive FFI only

Why Rural Protect Elements?

More than 20 years in the making

Rural Protect and more latterly Rural Protect Elements draw upon 20 years experience of the issues facing the rural community. In that time, HB Underwriting’s knowledge of this important sector has grown extensively. Such level of experience and knowledge means that we can write policies the rural sector needs and wants. For example, a client’s policy contains no prospect of success clause on defence cases.

Policies also feature an exclusive enhancement in the form of Pursuit Cover.

Our service is shaped by feedback from clients and brokers alike, and policies underwritten by us go through a constant state of improvement based on this feedback.

In-depth legal assistance

rradar is a specialist litigation and commercial law firm that uses legal expertise and digital tools to educate, manage and advise on ways farmers can reduce their legal risks.

With so many regulations in the rural sector, farming businesses must work diligently to ensure responsibilities and standards are met.

Other schemes simply don’t offer this free legal support.

Advice and guidance

As part of the service, clients also have direct access to rradarstation providing expert legal advisors over the phone and by email, Monday to Friday, 8am – 6pm.

Also included is the online service, offering all kinds of advice and guidance on running a rural business.
Businesses operating in the rural sector are unlike any other. The requirements to adhere and the hurdles to jump over are often unique and standard business advice is probably irrelevant to your clients.

rradarstation acts as a one-stop shop for clients who require guidance on compliance in key areas, including employment, human resources, health and safety, tax and corporate governance. Clients can create a personal dashboard with access to an extensive library of downloadable content, templates and more.

rradargrace is an artificial intelligence legal assistant app, available online or as a mobile app straight to the client’s smart device. Delivering business guidance, providing tools and templates on demand from rradarstation.