Digging Risks in Farming

From planting crops to installing irrigation systems and building structures, digging forms an essential part of farming activity. However, more and more farmers are performing checks for underground cables and pipes before any digging begins to ensure the proposed work is safe. Farm and General discuss the potential risks associated with digging whilst farming and how best to mitigate them.

What Are the Risks?

Digging whilst farming can come with significant risks, which can result in costly damages if underground utilities, equipment, and structures are impaired in the digging process. We advise you to have appropriate farm insurance in place to protect yourself in such scenarios.

Digging away from a property and falling outside of the boundaries of your farm, particularly with contracting, forms one of the biggest risks. There are of course health and safety procedures that should be in place to help mitigate any risks, but without proof of due diligence, you may be unable to claim on your insurance policy.

One of the most significant risks is damage to underground utilities such as water pipes, gas lines and electric cables. Not only can damage to a utility line cause disruption to your farming operations but it can also result in expensive repairs and pose a danger to your workers.

The disruption of any archaeological artefacts or structures is another risk that, while less obvious, is nevertheless important. Unearthing archaeological areas can lead to legal issues and additional expenses that can be avoided with the correct agricultural insurance.

Furthermore, digging can cause soil erosion, resulting in longer-term damage to land and a further impact on crop yields and soil quality. 

What Can You Do to Reduce Risks?

There are many services to guide farmers in terms of where utility assets are located, free maps and advice, however, having suitable insurance in place is imperative to protect against the financial impact of unexpected digging-related incidents. Start the process today with an online farm insurance quote.


Taking the time to review your insurance policy is essential to ensure you have adequate protection against the risks of digging and potential hazards. With the right coverage in place, you can focus on the business of farming. Get in touch with our friendly and knowledgeable team at Farm and General today to discuss your requirements.