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/

Welcome back to Crofting Matters. On today’s episode, Siobhan is joined by Graham Fraser (SAC Lerwick) to discuss an often asked question – how to start up a croft, smallholding or farming business.

The Farm Advisory Service has an Advice Line – free to call or email for advice. Every year the team receives lots of questions about starting up a farming business. It can be tricky to get a croft, but tenancies and purchases do come up so if you are looking for an opportunity, then this will help you understand the process when it happens.

Graham and Siobhan talk about setting up an agricultural business with particular emphasis on crofting and chat through some of the questions they have received through the advice line.

Timestamps:

01.07 Starting up in crofting – things to consider

03.09 Owner occupier, tenancy and assignation explained

05.14 Land that goes with a croft

08.39 Common grazing shares

10.05 The 3 duties of a crofter

12.39 Common grazing responsibilities

13.45 Subsidies and grants that a new crofter could be eligible for

18.13 Preparing for Sustainable Farming (PSF)

19.33 Applying for BPS (Basic payment Scheme) & LFASS (Less Favoured Area Support Scheme)

20.31 Getting a BRN (Business Refence Number)

27.36 Numbers of livestock on a common grazing

29.23 Keeping livestock for the first time

30.56 Getting your own flock/herd number

33.01 Getting registered and set up – the order of events

FAS Resources

FAS - New Entrants -Getting Started

FAS Introduction to crofting - Gaelic

FAS -Introduction to crofting - English

Other Resources

Highlands and Islands Enterprise(business support)

Scottish Enterprise(business support)

CroftingRegister

Welcome| Crofting Commission

RuralPayments and Services

Animaland Plant Health Agency - GOV.UK

Preparingfor Sustainable Farming

For more information, visit www.FAS.scot

Facebook: @FASScot

National Advice Hub

Phone: 0300 323 0161

Email: advice@fas.scot

Please note: We recorded this episode while out at an event, therefore the audio quality varies throughout.

Interviewees:

Prof Sally Shorthall

Karis Beattie

Haley Shepherd

The Grass Ceiling is an EU-funded project that helps rural women become leaders in innovation—especially in farming and sustainable rural development. It runs from 2023 to 2025 and supports women across Europe through ‘Living Labs’ where they test ideas, get training, and connect with others.

The aim is to help women to drive real change in rural communities—whether it's through eco-tourism, smart farming, or green energy projects.

In short: it’s about lifting the “grass ceiling” so women in rural areas can grow, lead, and shape the future.

The Scotland Living Lab is based in the Highlands and Islands, working with eight rural women innovators connected to crofting communities. It’s a partnership led by NICRE (National Innovation Centre for Rural Enterprise) and the Centre for Rural Economy (Newcastle University), in collaboration with the Scottish Crofting Federation.

The Lab officially launched with a workshop in Ullapool in June 2023, bringing together women from across the Highlands & Islands. Women share practical rural innovations, such as livestock rearing, croft diversification, wildflower seed sales, water sports ventures, and creative uses for wool.

Related Resources

Women in Agriculture (FAS.scot)

https://www.fas.scot/rural-business/women-in-agriculture/

Glass Ceiling - The Living Lab

https://www.grassceiling.eu/living-labs/scotland/?utm_source=chatgpt.com

Diversification on a Shoestring

https://www.fas.scot/article/diversification-on-a-shoestring/

Croftworks podcast

Croftwork Podcasts - Scottish Crofting Federation

Business support from https://www.hie.co.uk/ and https://www.scottish-enterprise.com/