Ayr County Show 2015 - montage

Ayr County Show 2015

Ayr County Show 2015 - montage

The warmth and sunshine caught everyone off guard in Ayr on May 9th, though what a pleasure it was.

The 2015 Ayr show was a roaring success; the crowds rolled in at 9am and were there to stay for the day. Thank you to all of our clients that visited our stand, we always appreciate catching up on your news, and for those of us that work in the office putting a face to a name means a lot!

We hope to see you all next year.

The Team from Ayr

Matt, Helen, Will, Dianne, Christine, Karen and Heather.

Farmers Bloodhounds Landscape

Farmers Bloodhounds Race Day

Farmers Bloodhounds LogoA day out at the Farmers Bloodhounds Race Day.

It is at this time of year that a familiar scene can be found throughout the Country as Point to Point horseracing under national Hunt rules is well under way and a feature of the local sporting calendar.

A social as well as a sporting occasion allows both horse and amateur rider to compete in thrilling and challenging racing, that is so much a part of the rural scene.

Last Saturday I spent an enjoyable afternoon at the farmers Bloodhounds race Day held at the Whitfield course near Brackley, Northants. A newish course on well drained undulating ground presents a thrilling spectacle and good vantage points to enjoy the racing close to the action. The usual culinary delights were to in the picnics to be seen in profusion emanating from the backs of many a vehicle; so much a part of such days. Meeting old friends, catching up with the gossip – is the stuff of rural life.

Farmers Bloodhounds Landscape

The seven race card was preceded by some fiercely competitive pony racing; their young riders putting much grit and determination to an appreciative crowd.

The parade of black/ tan bloodhounds presented a fine sight as they made their way past the main stand, giving voice in their deep baying style; a treat to hear.

The going looked good and I suspect much watering was necessary due to a dry April. All then was set for competitive racing over the 3 mile course, 2 ½ circuits with 19 fences to jump. Even so there were some thrilling close finishes in a couple of races.

Once a Gentleman Novice Rider one or two moons ago I bow to the skills and quality of both horse and rider today.

All in all there is no better way to enjoy ‘the sport of kings’ right on your doorstep, up close and personal.

I thank the organisers at Farmers Bloodhounds for an excellent days racing and look forward to next year!

Written By: Henry Worthy

Tudor 3 - Bull in closeup

Bull insurance

Tudor 3 - Bull in closeupWith the value of bulls ranging from £3,000 to £25,000 you need to bear in mind where you have them insured. If you are relying on your livestock section giving you the standard perils be aware that all livestock sections will have a single animal limit, (usually £5000 or £10,000) and you will only be insured for a limited level of cover. If your prize bull is valued over this you will need to notify your insurers in order to ensure that you have adequate cover.

You can also take out an All Risks Mortality Policy which will also cover Infertility should you wish, if you feel that this is something you should have then contact your insurance adviser to obtain a quotation for you.

Written by: Georgie Spencer

Ayr County Show

Ayr County Show

Ayr County Show9th May 2015 sees the Ayr County Show come to town!

Held at the Ayr Racecourse the show showcases agriculturally dedicated associations, businesses and community minded locals.

Farmers & Mercantile are looking forward to the opportunity the show provides to meet with clients new and old.

If you are attending drop by the F&M stand (Avenue F Stand F108) and see the team from the Ayr Office.



Spring Lambs

Lamb production forecast to rise

Spring LambsLamb production is forecast to rise by 4% in 2015, have you increased your flock size in the last 12 months?  You may need to look at your sums insured both for breeding stock and lamb sales.

With lambing well underway we see fields full of lambs out enjoying the sunshine which is such a lovely sight.

Photo: Taken by Georgie Spencer in Buckinghamshire (02/04/2015)


Contract Farming Insurance advice in Farmers Weekliy

Distinction between contract farming and contracting

Insurers must understand the distinction between contract farming and contracting

Contract Farming Insurance advice in Farmers WeekliyQI have just taken on 300 acres of contract farming for a neighbour. This is my first contract farming agreement, is there anything I need to do from an insurance perspective?

Written by: Nigel Wellings, founding director, Farmers & Mercantile. First published in Farmers Weekly 27th March 2015

AThe scenario of taking on contract farming or share farming is something we have all become very familiar with over the last 20 years or more. Unfortunately, insurers do not fully understand how this works and whether the level of risk compared to farming your own land or farming land for others differs.

Your broker should be explaining to insurers that the risk on the contract farmed area is no different to the risk on your own land. As soon as insurers hear the term “agricultural contractor” they assume an increase in risk, assuming that an agricultural contractor is carrying out individual operations, i.e. mowing, silaging, baling, combining, etc. on lots of different farms for many different people. This type of traditional agricultural contract does tend to lead to more risk as the operators are often on land unknown to them with huge time pressures to get the job done which can result in more claims.

When it is explained to insurers that contract and/or share farmers are operating on the same land year on year, and often have an interest in the crops being grown in terms of a profit share, then insurers should be willing to rate the premium for the additional land on the same basis as your existing land. The address of the new farm will need to be noted on the insurance schedule and the additional area of land added to your public liability cover. Your business interruption cover will also need extending to take account of the turnover generated from contract farming.

Insurance of the crops being grown will need to be looked at carefully if you are providing drying and storage for them. Depending on the type of contract farming agreement this can be arranged on your own policy or on the policy of the crop owner.

The most important point is that insurers are classing you as a contract farmer and not an agricultural contractor. One further point to be aware of is that if you become involved in advising on usage of chemicals and fertiliser, and/or completing the Basic Payment Scheme application on behalf of the landowner, public liability cover for your farming business will not cover you for the liability for giving advice. To cover against negligent advice you will need a separate professional indemnity insurance policy.