When it comes to ensuring your farm machinery is safe, size doesn’t matter.
Many farmers might assume having engineering insurance means they are covered in the event of an accident — but just having this cover does not absolve them of all health and safety obligations.
The belief that compliance with the rules only applies to large commercial producers and not to smaller farms is a myth.
Typically, engineering insurance will cover sudden and unforeseen damage to plant and machinery on a farm — this could be a breakdown of a machine or the explosion of a boiler.
Cover can insure vital equipment is repaired or replaced.
However, the cover will not involve a regular inspection of your plant or machinery, and on its own, is not enough to meet some of the industry regulations that exist in the UK. Additional protection for your farm and its contents is required.
Accidents are rare but they could mean:
Farmers and rural businesses should also be aware that tougher sentencing guidelines for health and safety offences came into force on February 1, 2016.
This directs courts to consider culpability, the seriousness of harm risked and the likelihood of harm, as well as the size of business based on its turnover.
An inspection of machinery and vehicles will help to identify whether it can be used safely and can help to detect any deterioration which can be remedied before it becomes a health and safety risk.
Where can I find out more?
With so many regulations to contend with, it can be confusing.
NFU Mutual has partnered with Vulcan Inspection Services, a leader in this field with over 150 years of expertise.