Plans Tailored For Your Farm

Since the farming environment includes so many potential hazards, farm insurance can be complicated. However, getting your insurance policy right will mean that you are protected from financial and legal liability for any problems that arise when you are carrying out your business with excellent and safe standards of care.

Whether you are running a small farm or you are a large agricultural contractor, it is vital to ensure that your insurance cover is adequate. Here at PJ Fitzgerald, we can help you to find the right policy for you and your business, and we can advise you on a wide variety of cover options from many different providers since we are an independent Insurance Broker.

farm insurance

Our Farm Insurance can cover:

  • Property protection, including farm buildings and contents
  • Livestock protection
  • Stock cover
  • Machinery and farm vehicles
  • Agricultural produce
  • Personal accident and injury
  • Business interruption
  • Public liability cover
  • Employers liability cover

You should consider the insurance requirements of your enterprise, making sure that you do not under insure your business and leave yourself at risk. We have been providing the best insurance policies to our customers since 1969, and we’re confident that our friendly team can find a policy that meets the needs of your farm today.

To help speed up the process of obtaining your farm and home Insurance quote, send a copy of your current farm insurance renewal document by email to info@pjfitzgerald.ie. We will accept mobile phone photos of your current farm and home Insurance renewal, but these must be sent by email to info@pjfitzgerald.ie or post a copy of last years farm insurance renewal papers to:

PJ Fitzgerald Insurances
27 Pearse Street,
Kinsale,
Co. Cork.

Farm Insurance Enquiry

Your Personal Details

What is your Date of Birth?

Your Address

What is your Postal Address?
What is the Eircode?

Does the Address of Property to be insured match the Postal address?
YesNo
Address of Property to be insured (if different to Postal address)


What is the Eircode of Property to be insured?

Your Insurance details

What % of income is related to agricultural contracting?
Is there a written safety statement, in accordance with the Safety, Health and Welfare at Work Act, 2005?
YesNo
Any claims in the last 5 years?
YesNo

Convictions of any nature at any point in time (other than spent convictions)?
YesNo

Section 1 – Farmhouse & Contents

Full Cover
YesNo
Accidental Damage
YesNo
Economic Alternative (restricted cover)
YesNo

Occupancy (owner occupied)?
YesNo
Please advise who the occupants are and their relationship to the insured?
Contents Option (30% / 40% / 50% of Building Sum Insured)
Burglar Alarm?
YesNo
2 x Smoke Detectors?
YesNo

All Risks Cover?
YesNo
If Yes: (a) 5% of Building Sum Insured - Single Article Limit €1,300
YesNo
or (b) 10% of Building Sum Insured - Single Article Limit €2,000
YesNo
or (c) Specific Items (up to a max of 4) Description of item and Value

Secondary Private Dwelling House

If not on the farmland and/or if not of standard construction(s).
Contents option (30% / 40% / 50% of Building Sum Insured)
Burglar Alarm?
YesNo
2 x Smoke Detectors?
YesNo

Section 2 – General Farm Property

Roots and potatoes not stored in buildings
Silage in the open
Agricultural Produce & Farming stock (including Hay & Straw)
Growing crops
Farm Implements & machinery
Bulk Milk Tanks (Fire)
Tool(s) Theft (max 5,000)
Diesel Theft (max €700)
Other - please specify
Outbuildings (excluding slatted units)
Slatted units
Outbuildings & Slatted Units Construction: Brick, stone, concrete, slates, tiles,
metals or incombustible slabs

Storm Cover: if this cover is required please provide a detailed breakdown of outbuildings.
YesNo

Please email photographs to info@pjfitzgerald.ie, where the outbuildings are not:

  • 4-sided structures, valued less than e130,000, erected in the last 5 years, built of modern materials and of standard
    construction or
  • 3-sided and 4-sided slatted units of modern construction, grant aided and built within the last 25 years.

Section 3 – Livestock

Cover Options
Basic cover:
(A) Loss of or injury to livestock as a result of Fire, Lightning, Explosion, Aircraft and Earthquake (Cover A mandatory for other Livestock Cover options)
YesNo

Additional Cover Options – Fatal injury to Livestock:
(B) Electrocution
(C) (i) Accidental death on premises - (€1500 excess) (ii) Straying, (iii) Accidental Poisoning, (iv) Collapse of slatted units
(D) In Transit
(E) Sheep Worrying (Dog attack on sheep) - only available where all Livestock Covers A B C and D are also requested
AnimalsNumber of
Animals
Animal Value (max 1
animal limit €6,500 )
Total Sum InsuredCovers Required
(select B,C,D,E as above)
Cattle
Sheep
Pigs
Horses

Please refer to Aviva for other cover combinations, for example mortality cover for bulls may be available on request.

Section 4 - Liability

(A) Employers Liability

RemunerationNumber
Part-time
Number
Full-Time
Annual Wages
(exc. Agricultural
Contractors)
Board, Lodgings &
other allowance
Total
Family
Non Family
Total Annual

(B) Public Liability
Is cover required?
YesNo

Section 5 – Agricultural & Forestry Vehicles

Assuming use for Agricultural and/or Forestry purposes in ROI (Excluding hire and reward). Otherwise refer to Trader Vehicle Description(s)

Make/ModelReg. No./Serial NumberYearCover RequiredSums InsuredWindscreen Cover

Trailer(s)/ Implements

Make/ModelReg. No./Serial NumberCover RequiredSums Insured

Assuming drivers are free of accidents, claims, convictions (other than spent convictions), disqualifications and penalty points. If not, refer to Aviva Trader.

Section 6 – Bulk Milk Storage Installations

  1. Accidental Damage to storage installation
  2. Deterioration of milk contained in above installations
If Installation is over 10 years or more than 2,500 gallons, please refer to Aviva. Assuming equipment is in good repair along with bi-annual maintenance contract.

Section 7 – Business Interruption

Loss of Annual Gross Income (Dairy Farming)
Additional Expenses (Arable/Stock Farming)
Indemnity Period No. Of Months?

Section 8 – Tax Legal Protection

Accountants Fees and Expenses, Legal Costs and Expenses on Revenue Commissioners investigation:

Section 9 – Personal Accident

NameAgeDutiesNo. of Units(a) Any physical or other defect or weakness of any kind or
(b) Any injuries, diseases or illness?