Chisler2 wrote: » What kind(s) and level of insurance are appropriate for smallholdings? Mine is due for renewal shortly and outbuildings and sheds are only insurable "if in good condition and well-maintained on inspection". An Atlantic storm took down half of my very old barn early in 2019 but it was already in poor condition as the place had been unoccupied without maintenance since the 1970's when I purchased. I have around 3 hectares of native woodland planted recently. The forester's position was that it would only be necessary on mature woodland (this is new) and only to cover fire-risk. As the 11 acre holding is edges with streams it is unlikely I would need to claim for a conflagration in the next 20 years (if ever, given the high rainfall levels in the West of Ireland !!) Is Third Party Public Liability Insurance advisable on smallholdings, for example to cover situations of employing man with digger for a day and suchlike?
Chisler2 wrote: » Thank you that's helpful on difference between someone coming to do paid work and a 'visitor'.
_Brian wrote: » Actually “work” doesn’t have to be paid to need employees liability. Often if farms say we would be working helping out on nearby farms but not for money. Public liability doesn’t cover that sort of thing. I know of one case where a lad was helping his neighbor working on a shed when he had a fall. The insurance company refused to pay out under the public liability cover and there was no other cover. They said that employers liability would have been needed in that instance.
arctictree wrote: » In all fairness, if a neighbour rang me to help pull a calf or something, last thing I would be thinking about is insurance. Most of the country is probably the same.
