Princess Pooper
Member
- Location
- East Mids
Vehicle insurance can be specifically extended to cover any driver, or named drivers, or age restricted drivers, but he should still have his own insurance as a self employed worker - not for the vehicle. If self employed can be added to the farm policy for other things fine, but how often is this checked by those involved?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!
Shearers - yes! Cut the knackers off a prize winning pedigree tup ??
Anyone running their own business should have public liability insurance and / or professional indemnity insurance depending on the nature of their business. It's not a legal requirement, but it means they are covered rather than being personally liable if someone claims against them for a loss caused by their negligence. I still do some self employed farm consultancy work, revenue about £4k. The insurance costs me £360. If I cock up a BPS claim or give bad advice that leads to a financial loss, my clients are covered by that insurance. There is also an element of some other cover in that - eg personal accident/illness if something serious happened and my ability to work was affected (which is worth a lot).
Lambing/calving students are different, they are deemed employees (as is unpaid family labour) so covered by the farm insurance.
My Mum's gardener has insurance and I wouldn't employ one that didn't. If they knock the glass out on the greenhouse or use roundup instead of lawn feed, they are covered.
It's not just antibiotics in a milking scenario - although for some milk buyers the fall out from that can be fairly horrendous. Seen the discussion about putting the wrong chemical in the teat dip and what that can do to cows?
Obviously many errors are caused not by the relief milker - the failure to tape an AB cow as you have stated, one example, but as red tapes can fall off they should have more than one system in place, even if just a list of current 'not in tank' cows. I wouldn't relief milk somewhere where they only rely on tail tapes, it's too risky.
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