Covering the Croft and Common

Insurance for Crofters and Common Grazings. Welcome back to Crofting Matters! In this episode, Siobhan is joined by Jonathan Hogg, a rural insurance expert from NFU Mutual’s Dingwall branch. Johnny has an agricultural background, works in a crofting area and understands the issues that crofters and grazing committees face with access, theft and weather-related incidents. We remove the ambiguity surrounding the need for Public and Employer’s liability cover, and what to do if the bull can outrun humans.

We discuss:

• Whether a small crofting business needs insurance, and what kind?
• The need for Public Liability insurance.
• Livestock – minimising the risk.
• Wording on signs.
• When to cover machinery and livestock for theft and loss.
• Employer’s liability when you may not think of yourself as an employer!
• Common Grazings and Sheep Stock clubs – cover required.

FAS Resources

https://www.fas.scot/news/common-grazings-and-sheep-stock-clubs-liability/