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Why Expert Cover Matters More Than Ever

Insurance for Rural Businesses

Rural businesses today face a growing number of risks - many of which are more complex, more costly, and more difficult to insure than ever before.

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Rising Rural Crime

Across the UK, rural crime remains on the rise. From vehicle thefts, GPS thefts and fuel syphoning to large-scale machinery and equipment theft, farms and forestry businesses are increasingly being targeted. Criminals are often organised and opportunistic, exploiting isolated locations and long response times.

Figures provided by organisations like the NFU and CLA suggest that in 2023 total cost of rural crime reached around £52.8 million with thefts of GPS, Quads/ATV’s and Livestock all significantly increasing. 

However, the cost of these crimes goes way beyond the value of stolen items themselves – it affects productivity, morale, insurance premiums, and the day-to-day running of your business.

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Rural crime cost UK £52.8 million in 2023.

Source: NFU & CLA

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Increasing Fire Risks

Modern machinery may be more efficient, but it’s also more vulnerable. With the increasing use of complex electronics in tractors, combines, loaders, and processors, there has been a noticeable rise in machinery fires. These aren’t limited to vehicles either – static plant, workshops, and biomass boilers have also seen a sharp increase in fire-related incidents.

From dust build-up in heating systems to faulty wiring and automated control failures, many of these fires occur with little warning and escalate quickly – often with devastating consequences, and often beyond basic building cover.

Don’t Rely on Quick Quotes or Generic Cover

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Expert Advice. Essential Cover.

Many rural business owners turn to price comparison websites or instant policy tools for convenience – but these rarely factor in the complex, specialist nature of land-based operations. Inadequate cover can leave you badly exposed when things go wrong.

Why Expert Advice is Essential

Identify gaps in your current cover

Understand specific risks based on your sector and location

Ensure new technology or equipment is fully accounted for

Get the right protection for outbuildings, biomass systems, firewood storage, and more

Avoid being underinsured - or unknowingly breaching policy terms, all of which could leave you with gaps when you need protection the most

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Take the time now – not after an incident.

Know What You’re Covered For

Insurance should provide peace of mind – not a false sense of security. Whether you’re running a smallholding, managing woodland, or operating high-value machinery, it’s essential to get the right advice from professionals who understand rural risks.

At Farm and Forest, we’ll guide you through:

• Key types of insurance cover worth considering

• Questions to ask your broker or provider

• Resources and expert links to help you make informed choices

Protect your business, your assets, and your livelihood with proper, tailored insurance cover.

To assist with all your rural business insurance requirements, it pays to speak with people that really understand rural businesses inside and out, and for this reason Farm and Forest have chosen to work with Konsileo a UK wide based Commercial Insurance Broker.

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Speak with a rural-specialist insurance broker to

  • Pinpoint vulnerabilities in your mix of operations
     

  • Ensure biomass boilers, firewood stores, and electronics are included
     

  • Avoid hidden exclusions (e.g. unattended machinery, high-voltage equipment)

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Don't delay - review now, not after an accident.

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Get Peace of mind with a policy that's tested, tailored, and trusted.

Farm & Forest is an Introducer Appointed Representative of Konsileo (Trading) Limited (10100499), an independent insurance broker authorised and regulated by the Financial Conduct Authority (FCA).

 

You can check these details on the Financial Services Register by visiting the FCA’s website (www.fca.org.uk) or by contacting the FCA on 0800 111 6768.

Any insurance quotes are provided by the suppliers mentioned above and not by the Farm and Forest itself. Farm and Forest merely acts as an introducer.

Farm and Forest has exercised reasonable care in selecting the suppliers, taking account of a range of matters, which might include product range, pricing and/or service levels, depending on the service in question. However, Farm and Forest cannot and does not give any guarantee or accept any responsibility to customers as to the value for money or suitability of any particular product. It is the customers decision whether to select the product, after having taken professional advice if necessary. Customers should note that the Farm and Forest may receive commission or other payments from some suppliers in respect of their status as “preferred or partner suppliers” and/or in respect of products sold to Farm and Forest customers. 

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