Professional indemnity cover simplified for farmers association operators

Professional indemnity broker Trafalgar Risk Management (TRM) has announced the extension of its comprehensive PI insurance protection, to cover farmers association operators and agricultural advisory services against claims of negligence or breach of duty made by a client.

Farmers association operators and agricultural advisory services have often lacked the time to take out adequate professional indemnity cover, owing to the lengthy and detailed application process. However, insurance broker Trafalgar Risk Management (TRM) says now the only information required to provide a quote is the applicant’s turnover, number of staff and occupation.

TRM managing director and former underwriter Kelvin Wheat explains that once the initial information has been provided: “We ask just six underwriting questions, and if the answers meet with insurers’ satisfaction, you are covered. Payment can be made by credit card, BACS or via premium funding, spreading the premium over a 10-month period. By working solely online, our administrative costs are thereby reduced, bringing down the cost of the insurance itself.”

Farming association operators face many forms of agricultural risks for which they are responsible, and against which PI insurance will cover them. For instance, if a contractor employed by your farm to sow a grain crop makes an error in setting the seed depth, resulting in a substantially reduced crop yield, the corresponding claim – which may run into hundreds of thousands of pounds – would be covered under a PI policy.

Mr Wheat adds: “With my underwriting background, I know what is and what is not necessary to underwrite a PI policy. And I know that requiring clients to complete an eight-page form is well over the top when it comes to gathering all the information necessary to underwrite comprehensive professional indemnity cover.”

Launched in 1995 by Mr Wheat, TRM says it was soon recognised as a pioneer in the PI market, notably in the simplification of both cost and administration of this type of insurance.

The cover is available with premium funding from

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