Gamekeepers and deer stalkers need specialist countryside insurance.
We understand that gamekeeping and deer stalking can be a rewarding business and personal passion. But it can also come with risks. That’s why you need a broker that understands the niche requirements of rural pursuits.
GET A QUOTE & BUYWhether you are an employed or self-employed gamekeeper or provide deer stalking services as an instructor or contract, we can arrange your public liability cover.
From vermin control and environmental work to fencing and beating or loading on shoots, we’ll provide the cover you need for activities, so you’re never left exposed.
So, while you’re focused on making sure your business runs smoothly, collecting road injured animals or providing training to others, rest assured you and your business will have the right rural protection.
This policy is suitable for people and businesses involved in gamekeeping, deer stalking, vermin or pest control activities and are looking to cover public liability. This is not suitable for those working as an agent.
There are two main types of insurance you need if you offer gamekeeping or deer stalking services. Both are included in this insurance policy.
Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a member of the public was injured by a stray bullet.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Please check your council or Forestry Commission contract as they may require a specific level of public liability.
Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should suffer an injury while at work. The amount of cover provided is £10 million. It is important that you inform us should you have anybody who assists you on a voluntary basis.
Personal accident – provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Professional indemnity – protects your business should you offer professional advice for a fee. For example, advising on how to control the population of a species, and it results in either a physical or financial loss. The resultant claims can be covered up to a standard of £500,000, however we are now able to offer lower levels of cover (£100,000 and £250,000) at reduced premiums.
Fee paying guests – if you are taking a fee-paying guest with you for the day or as an instructor then this will provide the public liability for the guest.
Equipment and property – we can cover your business’s property and equipment, from small items (such as handheld equipment) to large (such as ride-on lawn mowers). We are also able to arrange cover for your tools and guns, as well as cover for commercial premises, business interruption, theft of money and your home.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Notice to policy holders - September 2024
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976
I work in the small animal’s team, dealing with a number of different animal-related businesses every day. Having grown up with a dog, and now being fortunate enough to look after a wide range of animals such as donkeys and sheep, I understand the risks that come with working with animals and why it is so important to make sure we have adequate cover.
EMAIL LLOYDOR CALL 01328 857921