This case study illustrates how an insured business sought compensation after its sheep were killed by a third party dog and how Rural Protect assisted in tracing the responsible dog’s owner and recovered the costs for the sheep farmer. This demonstrates the role that Rural Protect plays in extracting compensation when a third party is liable and how it helps cover costs to support the policyholder.
Business type: Sheep Farmers
Section of cover Company Legal Liability
Applicable cover: Pursuit
Circumstance: The insured business wished to recover costs for the loss of their sheep against a third-party dog owner.
Legal fees value: £4,767
The scenario:
A third party’s dog was not on a lead and consequently mixed with the farmer’s sheep. The insured business suffered significant losses after their livestock were worried and injured by the dog, resulting in the death of some of flock valued at £4,000. The business required assistance to help track down the evasive culprit, the dog owner in this case, to pursue compensation for the death of their major business assets.
What happened:
Rural Protect covered the fees for the tracing agency and assisted the police in identifying the dog owner.
The outcome:
Once the dog owners were found, Rural Protect agreed a settlement out of court covering the value of the sheep and other sundry costs incurred by the policyholder.
Things to consider:
Tracking down the accused and seeking compensation legally can be an expensive and time-consuming process. Rural Protect provides Company Legal Liability which includes a legal pursuit extension, the insured farmer, in this case, did not have to pay the tracing company’s fees as that is covered as part of the insurance provided for trespass/nuisance.
If you would like to know more about Rural Protect, call us on 01653 609090 or email enquiries@hbunderwriting.co.uk.
