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.

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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

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

When we asked Ladbrook for a quote we had been looking for insurance cover for a month already with no luck.  As soon as we got in touch with Shelley and Tim we knew that they understood our sector better than anyone else. We felt that Ladbrook was genuinely interested to understand our work and to make sure that we had the right level of cover.  They also offered to review other insurance covers we had.  They worked on a very tight deadline and just before Christmas to secure cover for Micro Rainbow International.  It is the first time that we feel that our insurers actually care about protecting MRI’s important work for the community.  I am confident that this is the beginning of a long partnership.

Sebastian Rocco, Micro Rainbow International

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.