Relief milking insurance

[Cowmadyorkie]

Best place to get relief milking insurance?

 

[kfpben]

I don’t have any. Should I?
I’ve milked on heaps of farms locally over the years and never been asked to have insurance.

 

[had e nuff]

I've not got any either. What would it normally cover you for. Antibiotic failure would be the obvious one I suppose.

 

[Cowman31]

Yes, you need to have public liability insurance in case of antibiotic failure, breakages etc

 

[Cowmadyorkie]

W

Yes, you need to have public liability insurance in case of antibiotic failure, breakages etc

 

[Cowmadyorkie]

W

Where best pace to get it?

 

[Cowman31]

Just go on line on any comparison site and search for business insurance

 

[Cowmadyorkie]

Just go on line on any comparison site and search for business insurance

Public liability?

 

[Cowman31]

Yup

 

[In the pit]

Mines be with the nfu for 30 years now
I have public liability along with antibiotic failure
Public liability is easy to get ,ab failure might not be so easy
Nfu best bet

 

[Cowman31]

Antibiotic failure just comes under the public liability insurance it’s not a specific policy. I would go through a broker as the NFU are way to over priced. Relied Milker we have pays £200 a year for a policy that covers him up to 1million...no brainier

 

[Spudley]

I think Old Oak do antibiotic failure insurance.

 

[Sid]

@Kate_PaceWard
@Nigel Wellings

Some idea of prices?

 

[Highland Mule]

Public liability?

I'd have though professional indemnity would be more like it.

 

[Jason PaceWard]

There are a few aspects to this type of cover.

If you are paying someone to do the work this person normally has their own insurance in place.
Or you could add the cover for the person doing the milking ie Employers Liability.
If you as the relief milker require the cover, you can get stand alone PL cover for this, but we would require your Turnover to give you an idea on price.

 

[Nigel Wellings]

Premiums start from £350 plus 12% tax in Broker market. This gives a £5 million indemnity limit for Public Liability based on a turnover of up to £65 000 per annum. This is for general farmwork including milking. It will therefore adequately cover antibiotic failure claims against self employed herds-persons.
I have seen NFU charge between £200-£900. Broker market moved to £350 minimum premium over 12 months ago. I would never recommend a public liability indemnity limit below £5 million. We use £10 million - £20 million as standard on farms.
Watch out for contract milking companies saying all their staff have cover against antibiotic failures. When it comes to making a claim they often don't have such cover!

 

[Princess Pooper]

Am I the only one who's been slightly shocked to see several relief milkers comment on here they are not insured?

 

[kfpben]

Am I the only one who's been slightly shocked to see several relief milkers comment on here they are not insured?

I have a guy drive my tractor sometimes, self employed but he’s on my farm insurance policy. I don’t expect him to have his own. Surely it’s no different with a herd of cows?
Do shearers need insurance? Lambing/calving students?
The farm I milk on currently said that there they have their own insurance, but I would have to pay the £200 excess if there ever was an AB failure. Fair enough- as long as it’s my fault of course! If the herdsman has forgotten to put red tape on a cow that’s a different matter!

 

[had e nuff]

Am I the only one who's been slightly shocked to see several relief milkers comment on here they are not insured?

4 of us relief milk where I'm at. None of us insured. Asked owner tonight and he's happy the way things are.
I've only had 2 mistakes in 34 + years of milking.

 

[Sid]

I have a guy drive my tractor sometimes, self employed but he’s on my farm insurance policy. I don’t expect him to have his own. Surely it’s no different with a herd of cows?
Do shearers need insurance? Lambing/calving students?
The farm I milk on currently said that there they have their own insurance, but I would have to pay the £200 excess if there ever was an AB failure. Fair enough- as long as it’s my fault of course! If the herdsman has forgotten to put red tape on a cow that’s a different matter!

Know someone who had their whole last pay cheque held back due to "damage" caused by them at work. It was part of their contract and impossible to prove they didn't cause the damage.

What would have happened if their pay didn't cover it?