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Tractor Insurance and Farm Insurance
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Farm Tractor Insurance
Anyone who owns or rents a farm or a branch of any size or description, and effectively runs it as a commercial business, needs to have specific areas of insurance directly tailored to their needs.
A farm is essentially a mix of a home and a business, both in terms of buildings, plant and machinery, agricultural vehicles and in terms of workforce.
Specific risk assessments ideally need to be done on all areas of the business, in order to establish levels of risk and which ones are and are not covered by an insurance policy.
This is a general guide to some of the principles that may be helpful when assessing the need for farm insurance.
Farm Insurance – Buildings
As a farm or a ranch is both a home and a business, all buildings and all land including all outbuildings, whether used or not, and any area of land connected with the property at all needs to be included.
Farm Insurance – Crops
Some type of crop insurance may be essential. Check if there are any government schemes available first, and that check what type of risks your policy will cover you against, i.e. hail damage. This is one example
In a lot of insurance policies will offer some type of cover for damage of crops prior to harvesting, which effectively cause severe business interruption. Many policies will exclude cover once crops have been harvested and for various other reasons.
Farm Insurance – Engineering Insurance
Insurance against damage to plant and machinery is essential. Levels of cover differ.
There are normally limitations are stored is determined as plant. A pressure plant is normally defined as a plant that contains a boiler plant, a plant subjects to steam pressure and a plant used to contain fluids under pressure.
Make sure that storage tanks are also included. Also crucial to make sure that clearing up and spillage costs are included, as well as that of debris removal.
Farm Insurance – Deterioration of stock
This area of agents is designed to cover the value of stock that is damaged by risks such as a breakdown in a refrigeration unit or a temporary loss of access to public utilities such as water/electricity or gas resulting in damage to stock.
Makes sure the sums insured for the saleable value of the stock, otherwise under insurance will apply.
Farm insurance – livestock insurance
This type of insurance cover is normally restricted to two main areas, that of death or slaughter on humane grounds, when caused by an insured peril or theft.
The insurance company will normally insist on a strict ‘poultry warranty’ in the policy which stipulates checks on conditions in which poultry are kept, such as electricity supply, extraction systems, temperature variation and mains alarm systems and standby or backup generators.
Farm Insurance – Livestock in Transit
This is designed to cover the cost of livestock fatally injured in any motor accident.
There are likely to be local/national rules concerning the transportation of livestock, and you must make sure these are adhered to. Also make sure that insurance policy covers subcontractors, veterinarians fees and debris removal.
Farm Insurance – Livestock Herd Diseases
This is normally designed to cover you if livestock to be humanely destroyed as the direct result of a specific disease.
The diseases will normally listed or spelt out in the policy, and often include Tuberculosis, Brucellosis and Foot and Mouth.
Farm Insurance – Business Interruption
Any of the losses covered under a farm insurance policy can have a serious knock-on effect in terms of not simply making a business unprofitable, but of interrupting or stopping the business functioning at all for periods of time.
The insurance should provide some cover for this, but will be very specific in terms of what it deems business terminology
Farm insurance – Contractors All Risk Insurance
This area of the insurance policy is designed to give you maximum cover where you are effectively operating as a contractorEither on your own property, or on soils as property or anywhere within the specified geographical limits of the policy.
Farm Insurance – Goods in Transit
This is separate to livestock in transit, and is designed to provide cover for any goods that you may need to move around the locality or nationally, by the doing it yourself or with a subcontractor or haulier.
This area of insurance can be extremely expensive, simply because it is notoriously high risk. The insurance policy is likely to specify exactly what it considers to be high-risk items, and impose strict limits on the value and number of such items can be carried.
There are also likely to be stringent comments regarding security and anti theft measures regarding the goods.
Farm Insurance – Liability Insurance
The type and levels of liability joint required will vary significantly depending upon the nature of the farm and its business. There are a few general areas should be considered.
Farm Insurance –Employer liability.
It is important that as an employer you are fully aware yourself of any local national legal requirements concerning health and safety conditions at work, and make sure that these are fully implemented.
There are quite often specific conditions relating to a farm, as opposed to an industrial complex, and it is crucial is understood. On top of this, as an employer you will need to have specific employers liability insurance.
Make sure all employees including family are included and covered, as well as any subcontractors you might use.
Farm Insurance – Public and Products Liability
Public and product liability insurance often goes together.
The important thing to realise with product liability pretty is that you need to have it in relation to any goods that you have any connection with irrespective of whether you actually produce them are not.
This means that you need products liability insurance in relation to any goods that you store, repair, label test or process or you transport.
Kubota Insurance is needed to protect tractors, atv’s and other pieces of equipment from a number of risks. These mainly include liability claims in the event of damage to property or bodily injury, collisions with other vehicles or objects and replacement cost for a vehicle
Kubota Insurance can be best arranged with Kubota itself, through KTAC Insurance.
Arranging insurance for a Kubota tractor can sometimes be done to an individual’s home owners insurance policy, depending upon the size of the tractor and whether it is being used for domestic or business purposes.
Insurance companies vary quite widely as to whether they will provide cover or not. Those that do provide cover all willing to extend a policy normally provide fairly restrictive coverage.
Normally a much better alternative is Kubota’s own dedicated website KTAC , known as KTAC Insurance, which provides a much better and more inclusive range of insurance products, and will normally be a requirement of any credit arrangement made, either with Kubota Credit Corporation or any other credit agency.
Kubota Insurance, KTAC Insurance – Cover
The Kubota insurance website gives a brief indication of the type of perils it will insure against :
This is a fairly generalised list, but should give an indication of the type of cover that is available.
Kubota Insurance – Risk assessment
Anyone owning a Kubota tractor would do well to do a risk assessment of their home and environment, whether as a formal or an informal process, before deciding on any KTAC Insurance .
Anyone who uses a Kubota tractor simply as a domestic vehicle will have different risks and therefore different insurance requirements to someone who uses a Kubota Tractor in any type of commercial setting.
Any risk assessment of a Kubota tractor for KTAC Insurance purposes would do well to focus on certain areas of operation, mainly the cost of replacement cost of the tractor itself and public and employee liability, and make sure these risks are covered under the insurance policy itself.
Kubota Insurance, KTAC Insurance, – Specific policy areas :
Damage to or theft of the tractor and where it is located
Liability to the public
Liability to any employees if a commercial operation
Who is authorised to use the tractor
Where the tractor is authorised to be used, i.e. on privately owned land, on public roads and /or on neighbouring or adjacent farms
Trailers – what is specified as a trailer, i.e. an articulated trailer unit, what is not specified, and for usage and on what types of terrain the trailer is covered.
Whether the tractor is covered or not when it is in possession of a third party for purposes of servicing and repair, including transit thereof to any third party dealership or similar.
Goods in transit insurance – really important to know what is and is not covered on a domestic/commercial basis, this can affect general wear and tear of products, business interruption and certain aspects of any liability insurance policy.
Whether or not any legal protection costs are included in the policy
Whether or not tree filling or tree haulage is covered if appropriate
All accessories or attachments that are likely to be used on any Kubota tractor for any purpose or insured at all times.
Kubota Insurance, KTAC Insurance – Tractor Safety
Kubota Tractor safety is a huge issue both in terms of any individual’s actual safety and in terms of risk assessment and subsequent insurance costs.
There are three main areas of safety that are key to KTAC Insurance .
To make sure that any operative of the Kubota tractor has fully studied and understood the instruction manual that comes with the tractor, especially how to stop it in an emergency, and all the emergency procedures recommended by the manufacturer.
That any operative of the Kubota tractor is fully qualified and capable of driving an understanding of mechanics of the tractor, especially when effecting KTAC Insurance.
This is especially important where a Kubota tractor is used either in a domestic setting or on a family farm, where there may be a temptation to let someone who is a younger member of the family use the vehicle.
Capability of driving any type of Kubota tractor should be carefully assessed and if in doubt as to what age is appropriate check with the manufacturer or local law enforcement.
The Kubota tractor itself should always be fitted with a Roll Over Protective System (ROPS) and a seat belt which should be worn at all times.
On all modern Kubota tractor a ROPS will come as standard, but may not be fitted to some older models or Kubota tractors that were bought on the grey market.
Kubota Insurance, KTAC Insurance – Accident Prevention
The main causes of accidents when using a Kubota tractor tend to be threefold, which is why KTAC Insurance is needed.
The most common type of accident tends to happen when a Kubota tractor is being used too close to a verge or is being used at such an angle that the tractor becomes unstable and tips over.
A Kubota tractor should only ever be used on land that is relatively flat, and on land presents no possibility of the machine tipping over onto its side. A Kubota tractor should also never be driven backwards for the same reasons.
Another major cause of accidents is when the Kubota tractor hits an individual or object because the environment in which the tractor is being used has not been secured properly.
It is essential when using any type of tractor to make sure there are no individuals or noticeable objects that could come into contact with the tractor and cause damage or fatality to the individual or the tractor itself.
The other type of accident tends to happen when the operative of the tractor leaves the vehicle and either hasn’t turned it off properly or put it in its designated parking mode, resulting in some type of runaway tractor that can obviously cause immense damage.
Kubota Insurance and Farm Insurance
If a Kubota tractor is being used on a farm or ranch, or in any type of agricultural or commercial setting then it is possible that it will need to be included as part of an overall farm insurance policy.
When this is the case it is advisable to specify the tractor or tractors so they are listed individually, along with any attachments or implements associated with such tractors. It is also a good idea to list any manufacturers details as well.