Facts and Questions
Who is this policy for?
Our policy is designed specifically to cater for smallholdings, small working farms or hobby farms under 50 acres, also giving the option to include insurance for your homes. For any let properties and commercial diversifications that fall outside of the eligibility criteria, please contact GMM Insurance on 01626 332 433 and we can provide you with an alternative quote.
What makes this policy different?
There are no set levels of cover as with some other online insurers, each quote will be completely tailored to provide you with your exact needs and most relevant cover. It also covers your home, business and livestock under one policy providing you with ease.
What if I fall outside the criteria?
The policy is designed to meet the majority of smallholding risks, however if you fall outside of our policy limitations we can provide you with an alternative quote by calling GMM Insurance on 01626 332 433.
Do you provide cover for Livestock?
Yes, up to a sum insured of £20,000 depending on the level of cover selected (with a single animal limit of £5,000, and £1,000 in respect of working dogs)
What are the territorial limits?
The associated smallholding must be situated within Great Britain, Northern Ireland, Isle of Man or the Channel Islands.
Do I need Employers' Liability?
Employers' liability insurance is a legal requirement for any company with employees.
Nearly all companies that employ other people are obliged by law to have employers liability insurance. This protects their employees against the hardship caused by any injury or disease that they suffer resulting from their employment. The Employers Liability (Compulsory Insurance) Act 1969 demands that an employer has insurance cover against any such claims. This helps your employees but also protects your business from the expenses related to serious accidents or illnesses.
If you want to know more about Employer's Liability and the exemptions read the HSE guide to the Employers’ Liability (Compulsory Insurance) Act 1969 below: