Insurance for the Businessman - Livestock

Livestock: A livestock insurance policy covers horses and cattle against death by accident or disease. Foot-and-mouth disease is usually excluded, unless specific)ally arranged, and slaughter must not be undertaken without the insurer's consent. Extensions are available for castration and foaling risks. There are special policies for hunters, polo ponies, private riding horses and bloodstock.

Farmers: Some insurers issue farmers' policies' to cover accidents caused by defective buildings and footpaths, straying animals or falling trees. Check that risks from crop spraying are included in the insurance. You can usually extend a policy to cover milk contamination; damages claimed from selling infected meat, dairy produce, and vegetables; death of animals; and fire losses.

Licences: These are necessary for all premises selling wine, beer and spirits; for theatres, music-halls, cinemas, etc. Although they are usually renewable each year, sometimes a theatre, restaurant or pub may be refused a licence for a particular reason. In this case, the value of the premises is reduced consider ably until a licence can be renewed. A licence insurance is designed to compensate the owners for these losses and the legal costs involved in appealing against any refusal to grant a licence. Where this depends on the safety of premises, your insurers may advise you on how to improve your premises to fulfil the necessary requirements.

Credit insurance: Available from a few insurers to cover bouncing cheques and other losses where no payment is ever made by customers for goods sold on credit.

Hotel Proprietors insurance: This is a package policy, similar to the general policy available for the businessman, with extra insurance to cover liability for clients and their luggage.

Garage owners: Insurance is required for damage to stored or displayed cars and claims resulting from negligence over repairs. A garage owner's policy also provides cover for damage to petrol pumps and liability for accidents to the public caused by pumps, and for fire and theft. Your insurer may inspect your premises to advise you on how to minimize the risk of fire and theft.


Livestock

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Insurance Glossary A-H

Livestock: A livestock insurance policy covers horses and cattle against death by accident or disease. Foot-and-mouth disease is usually excluded, unless specific)ally arranged, and slaughter must not be undertaken without the insurer's consent. Extensions are available for castration and foaling risks. There are special policies for hunters, polo ponies, private riding horses and bloodstock.

Farmers: Some insurers issue farmers' policies' to cover accidents caused by defective buildings and footpaths, straying animals or falling trees. Check that risks from crop spraying are included in the... see: Insurance Glossary A-H