The result of the test case was announced on 15th September and we will know by the 2nd October if any of the Insurers will be making an appeal. If you think that you may have a claim under the Business Interruption section of your policy for losses incurred due to the Covid-19 pandemic you…
The clarity we have all been waiting for has, to some extent, been provided by the recent High Court decision but, as anticipated, it’s a mixed range of outcomes. The insurers we work with are all individually considering their positions and their response to the ruling including a possible appeal and the effect the ruling…
In 2011 Farmers & Mercantile became part of the Lycetts Group and since then we have worked increasingly closely with our parent company. During this time much has changed, both in agriculture and the insurance world. After careful consideration we have decided to fully merge Farmers & Mercantile with the Lycetts brand allowing us to…
As many businesses now begin to return to some form of operation one of the many issues that has arisen relates to reporting requirements for the Health and Safety Executive (HSE). Dangerous occurrences The HSE states a dangerous occurrence happens when an unintended incident at work has led to someone’s possible or actual exposure to…
As the Pedigree Bull sales are not able to happen we expect to see a higher number of Bulls than normal sold privately. Insurers are adapting to accommodate the restrictions and they can accept insurance for bulls valued up to £10,000 with a declaration of health signed by the insured. For bulls valued over £10,000…
COVID-19 turned the whole world upside down in a matter of days, affecting every sector in every corner of the UK. As we continue to readjust to the new normal, the farming community has risen to the challenge of feeding the nation with courage and tenacity and we salute all those keeping going under increasingly…
The Association of British Insurers Motor and Home insurers have announced five key pledges in light of the national response to Covid-19. 5 Key Pledges Support those who need to make a claim. Insurers have implemented business continuity plans and work closely with service providers to do everything possible in these challenging circumstances to continue…
Guidance for managing temporarily closed or unoccupied properties during the COVID-19 pandemic. With the advent of the COVID-19 pandemic in the UK many organisations are implementing contingency plans such as home-working, skeleton staffing, social distancing and cleansing regimes to maintain operations.However, for some organisations this is not possible, and following the latest government advice some…
Farmers and Mercantile Insurance Brokers (FMIB) is warning against farmers ‘cutting corners’ and taking dangerous and potentially fatal risks in the scramble to catch up on the delayed slurry season. Matt McWhirter, of FMIB, is urging farmers not to overlook the necessary precautions needed in managing slurry on farms. “The start of this year saw…
We fully appreciate that your first priority will be dealing with how Covid-19 may impact upon you, your family, your people and your business. In these uncertain times we will continue to look after our clients to the very best of our ability dealing with the inevitable disruption as smoothly as possible. We have a…