Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Considerations

  • Insurance for city farms from public liability, employers liability to business interruption, buildings and contents
  • We will discuss your on site and off site activities and the range of animals you keep
  • We will discuss your health and safety, safeguarding and risk management considerations

City Farm Insurance

City farms often find it hard to source good insurance cover because the choice of insurers willing to work with organisations handling animals is restricted.

At Ladbrook not only do we work with specialty insurers who embrace such risks, we can also talk to you about the unique aspects of your own insurance and offer you advice on the appropriate cover.

Whatever your city farm activities, whether you have a mobile unit, specialty animals or run events and parties, we will discuss your insurance requirements and shop around to get your city farm the right deal.

Marie-Small.jpg

Marie Hallowes

Operations Director

Charities that work with animals face their own unique risks, we work with a small panel of specialist insurers that can provide with farm insurance policies.

Marie Hallowes, Operations Director

Customer Reviews

Doodleaid would like to thank Ladbrook for their service, professionalism, speed of service and friendliness.  All staff were very helpful and we would have no hesitation in recommending Ladbrook.

Bev, Doodleaid

Very many thanks for getting the paperwork back to us today.

Sylvia also asked that I send the thanks and appreciation of everyone connected with Mental Health Aberdeen, for the skillful negotiations you have demonstrated – as evidenced by the affordability of our new policy. We shall certainly be recommending your brokerage, but especially the efficiency and friendliness of your team, to other charitable organisations in our area.

I hope you have a great weekend and once again, thank you all so very much.

Bea, Mental Health Aberdeen

We have just finalised our 7th annual insurance renewal through Ladbrook Insurance and are very happy with the service received. The Account Handlers have always striven to offer competitive quotes and answered any queries or given further explanations by email or phone as appropriate and we have found this personal touch not only professional but also very reassuring

Sam, BATIAS

City Farm Insurance – Public and Employer Liability

There are a number of considerations for City Farms when considering their risk management.  We explore a number of them here and these are issues that we discuss when reviewing the public liability insurance needs for City Farms.

Animals can be unpredictable and when humans are in close proximity, there is always a risk that an animal might kick, bite, charge or cause injury directly to a member of the public.  Such eventualities should be covered by the public liability insurance section of your city farm insurance policy.   Your responsibility is to provide a safe environment and it would need to be demonstrated that a claim was the result of a failure in your duty of care.

From an insurance perspective, it is important that the insurer understands the nature of your activities.  For example, some insurers that we work with are happy when our clients work with most animals but some have specific exclusions.  Horses and donkeys are a particular concern as their powerful kicks could cause significant harm.

In addition to injury, a key consideration is illness.  While most farms open to the public take great care to provide sanitary facilities and provide visitors with sensible procedures and facilities as well as essential animal health monitoring, the risk of the public becoming ill and making an allegation against the farm does exist.

Of course, staff and volunteers may also claim against the charity and as a result, employer liability is an important element of cover.

At Ladbrook, we concentrate on the city farm insurance issues and most of our clients have separate arrangements to cover the vet fees for any animals.