Rural Protect

The rural community faces constant challenges from regulatory investigations, internal disputes, and administrative issues.

Rural Protect seeks to help farmers and business owners in the rural sector by way of specialist liability insurance.

Underwritten by AXA Insurance plc, Rural Protect covers a wide range of businesses, whether they be limited companies, partnerships or sole traders.

What does Rural Protect cover?

Protection for the rural sector requires genuine care and attention. The vast array of risks posed to farmers and rural businesses can signal dramatic financial losses and may breed a loss of profits, redundancy and even closure.

The reality is that a single event can jeopardise a farmer’s business and livelihood.

HB Underwriting’s Rural Protect seeks to cover all forms of negligent acts or omissions. This doesn’t just cover directors and officers, but every member of the organisation.

Designed for sole traders, partnerships and limited businesses, this bespoke policy is designed to assist in the day-to-day running of rural businesses. It is there to support you should you need to defend or take legal action and will protect you from the costs of all UK regulator investigation and prosecution.

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Rural Protect at a glance

  • Rural Protect is available to a wide range of agricultural business including but not limited to; Farmers, Agricultural Contractors, Gamekeepers
  • No prospect of success clause on defence claims
  • Covers Fee for Intervention (FFI) charged by HSE & EA
  • Option to add cover for Employment Disputes
  • Employee Dishonesty Cover

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  • Covers all professional fees incurred to defend an allegation
  • Limits chosen apply to each and every defence claim
  • Pursuit cover – allows you to take action against a third party
  • Cost of dealing with investigations and prosecutions from all UK regulators
  • Pollution Clean-up Costs
  • Tax Cover
  • Fraud Cover
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Why Rural Protect?

More than 20 years in the making

Rural Protect draws 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 to 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.