Managing Risks with the Right Insurance Protection

Farming is the backbone of our communities, but it's also a profession with inherent risks.  According to the Health and Safety Executive (HSE), agriculture sadly remains one of the most hazardous industries.

So what are the main risks, and how can Farm & General help you?

Key Farming Activities in April

This time of year brings increased activity, from fertiliser spreading to potato planting and drilling for oil seed rape - each with its own set of potential hazards: 

• Fertiliser Spreading: Exposure to harmful chemicals can cause respiratory issues and skin irritation. To mitigate risk, wear gloves, masks and protective clothing.
• Potato Planting: Heavy machinery increases the risk of crush injuries, falls and entanglements. Regular equipment maintenance and operator training are essential!
• Drilling for Oil Seed Rape: Prolonged machinery use can lead to fatigue-related mistakes, increasing the likelihood of accidents. Ensuring regular rest breaks and proper supervision helps keep workers safe.

By identifying these risks early, you can take preventative measures to reduce injuries and maintain productivity.

Identifying and Managing Risks on Your Farm

Managing risks effectively is key to preventing accidents and ensuring business continuity. A well-maintained risk register allows farms to identify potential hazards, outline safety measures and ensure that workers are properly trained. Regular safety inspections of machinery and equipment can prevent costly breakdowns and accidents.

But how do you create a good risk register? Start by listing all the activities on your farm, then identify the potential hazards associated with each one. For instance, when managing livestock, consider the risks associated with handling large animals, the potential for falls, or the use of specific equipment. Document these hazards.

Once identified, the next step is to outline specific control measures. For example, chemical handling could involve mandatory use of PPE, secure storage and clear labelling. For machinery, it might include pre-use checks, regular maintenance schedules and documented operator training. Ensuring that all farm workers have proper safety training and access to emergency plans and protective equipment significantly reduces the likelihood of workplace injuries.

At Farm & General Insurance, we work closely with agricultural businesses to provide insurance policies tailored to their specific needs. From liability coverage to property protection, we offer solutions that help you remain financially secure in the face of unexpected events.

The Human Factor

Farms often rely on a small team of key individuals such as the farm owner, contractors, machine operators and livestock handlers. But what happens if one of them falls ill or is injured?  Without a plan in place, this can lead to operational disruptions, financial losses, and added stress on remaining workers. For example, if the farm’s only experienced tractor driver is suddenly unable to work, planting could be severely delayed, affecting yields and income.

To prevent these risks, consider implementing the following:

• Business continuity planning: Preparing a plan for worker absences can minimise disruptions.
• Cross-training employees: Ensuring multiple workers can handle essential tasks provides a backup.
• Emergency backup plans: Arranging temporary support if a key farm worker is unavailable through local agricultural networks, can bridge the gap during unexpected absences.

Now is the time to consider investing in income protection and key person insurance to provide financial security for farms facing unexpected worker absences.

Health Insurance and Support for Farmers

Farming is a physically demanding profession and injuries or illnesses can have long-term consequences. Many farm workers are self-employed, meaning they do not have access to traditional employer-provided health benefits. Without proper health insurance, a medical emergency could result in significant financial hardship.

Farm & General Insurance is part of the Adler Fairways group, which can provide a range of health and income protection plans. Private health insurance ensures that individuals have access to fast and reliable medical care when they need it most. Income protection policies provide financial support in case of illness or injury, allowing workers to focus on recovery, without the added stress of lost earnings.

In addition to personal health coverage, farm businesses can also benefit from policies that cover workplace injuries, farm liability claims and legal expenses. Ensuring that workers have the right support system in place not only protects individuals but also contributes to a more stable and productive work environment.

Ensuring a Safer Future

Workplace safety is an ongoing commitment that requires proactive planning and the right protections. Farms should regularly review risk registers and safety protocols to ensure they remain up to date. Encouraging a culture of safety, where farm workers feel comfortable reporting hazards and following best practices, helps create a safer working environment for everyone.

Having comprehensive insurance coverage is therefore essential for long-term security. Whether it’s business liability, income protection, or health insurance, Farm & General Insurance can provide tailored solutions to meet the unique needs of agricultural businesses.

Now is the time to take a proactive approach to safety. Securing the right insurance for your farm ensures business can continue to operate, providing peace of mind that you are protected against whatever challenges may come your way.