When you start up in business you will need insurance cover. Contact an insurer and explain to him or her exactly how your business will operate - they will then recommend what cover you should have. This might include:
- premises, stocks of seed, agro-chemicals and so on
- goods in transit (for example turf deliveries)
- business interruption
- employer's liability
- public liability
- product liability
- environmental liability
- motor insurance (for delivery and agricultural vehicles)
- agricultural vehicle/machinery insurance
Premiums may be paid in a lump or they may be paid in instalments. Your insurer will be able to advise you of the amounts due - enter them in the months when you will pay them.
Specialists in this sector, such as NFU Mutual, can tailor policies to suit the requirements of individual growers.