Compare NFU Public Liability Insurance

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NFU Public Liability Policy, 2018

Public liability insurance is basically an insurance policy which is crucial for businesses for their protection against injuries or damages caused to the public or their property.

The NFU Public Liability Policy 2018 is an insurance policy specifically designed for members of the National Farmers' Union (NFU).
It provides coverage for public liability risks that farmers and agricultural businesses may face.
The policy covers claims made by the public for injury or property damage that occurs on the insured's premises or during their business activities.

NFU Public Liability Insurance Coverage

Provides coverage against claims made by the public for injury, property damage, or financial losses.
Public liability insurance covers claims arising from accidents or incidents that occur on business premises or during business activities.
NFU provides a coverage limit of £2.5 million for public liability insurance. However, coverage limits can be increased to meet business needs.
Coverage may be availed despite legal liability pertaining to accidental damage or injury to the public or their property

Coverage for business operations related to digging, mining, drilling, and excavation come with predefined obligations. Those seeking coverage with such operations must ensure that they have taken all necessary steps to identify any underground pipes, cables, or other services that may be damaged as a result of their operations.

In addition, businesses are also required to take necessary precautions if equipment that involves the application of heat is utilised.

Benefits of NFU Public Liability Insurance

NFU Mutual provides access to legal advice and support, according to the choice of the client, ensuring that you are well-equipped to handle any claims
Receiving coverage and consultation from an organisation with over 100 years of insurance expertise.
NFU Mutual public liability insurance provides coverage to vehicles that may be legitimately parked at the insured’s premises.
It also provides coverage for damages to premises that are either hired or rented by your business.
Loyalty to the coverage provider is rewarded in the form of mutual bonuses that may be availed upon renewal of general insurance policies.

The extent of public liability insurance coverage varies based on individuals' business needs and requirements. NFU Mutual thoroughly analyses coverage requirements and provides details pertaining to any coverage limitations or exclusions your business may be subject to.

Limitations of NFU Public Liability Insurance

Liabilities resulting from environmental factors like pollution may not be covered.
Businesses in need of professional advice and services may be charged an additional fee.
Occupational activities involving or resulting in exposure to absolutes may not be covered. However, coverage for such exposure may be possible if occurred unintentionally or by accident.
Coverage damage or injuries that arise from the use of vehicles that require compulsory motor coverage may not be provided.
Injuries to any employees covered under that Employee Liability Insurance may not be provided. Employee Liability Insurance is a mandatory legal requirement for businesses with employees.

Popular NFU Insurance Products

One of the most in demand products is NFU home insurance, the provider offers home insurance as a standalone product, or you can include contents insurance to form a combined home and contents policy. Some of the highlights include no monthly fees and a mutual bonus on renewing your house policy
For pet lovers, the NFU pet insurance product comes with many benefits, including cover for loss of your dog. This is popular with farming dogs, as you can also agree on a purchase price to replace the working dog or pedigree.
NFU have recently teamed up with AIG to offer life insurance products that will take away some of the financial strain should you die or be diagnosed with a terminal illness. The products will let you choose from a limp sum payment or regular monthly payments
The NFU landlord insurance policy is aimed at protecting the buildings that you own and also proving you with liability protection against claims

NFU Mutual Public Liability Insurance

NFU Mutual provides a comprehensive range of coverage options that businesses seeking public liability protection can consider as a solution to their business insurance requirements. Public liability insurance is not a legal requirement, but provides the required protection against claims of injury or damage to property and should be considered as an integral part of cover for any business, profession or trade. Example, insurance for public liability insurance for courier workers is always in high demand..

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