Farm & Agricultural Insurance
Farms face risks that go far beyond standard property damage. From sheds and machinery to livestock and produce, agricultural claims require specialist knowledge and accurate valuations.
At AIA, we understand the unique challenges of farming claims and provide expert support in both insurance representation and property surveying.
Farm policies more often than not come with a number of policy exclusions should a loss occur. These exclusions are written into the small print of policies. It’s a good idea to know what exclusions you’re policy is subject to.
Why Agricultural Insurance Needs a Different Approach
Unlike standard home or business policies, farm insurance must account for:
- Livestock loss or theft
- Machinery, plant, and equipment
- Sheds, tunnels, and outbuildings
- Crops, hay, straw, and bulk storage
- Fire, flood, and storm damage
- Business interruption and produce loss
Many policies contain exclusions or limits that can catch farmers off guard. We help you understand what’s covered and what’s not, before and after a claim.
AIA Loss Assessors can help Farm Owners with the following claims:
Underinsurance: A Costly Mistake
If your declared values are too low, insurers may apply the Average Clause, reducing your payout. This applies to:
- Rebuild costs for sheds and outbuildings
- Machinery and equipment values
- Livestock and produce declarations
We provide accurate reinstatement valuations to protect you from penalties and ensure full entitlement.
Common Agricultural Claims We Handle
- Storm damage to outbuildings, mushroom tunnels, and wind turbines
- Fires in haybarns and sheds
- Flooding of outbuildings and bulk storage
- Loss of hay, straw, or agricultural produce
- Theft or damage to livestock
- Machinery breakdown or loss
- Business interruption due to insured events
Ready to Review Your Farm Cover?
Whether you’re making a claim or just want to ensure your policy is fit for purpose, we’re here to help.
Call us today
Email info@aia.ie
Request a Farm Survey or Claim Revie
AIA Loss Assessors Limited is regulated by the Central Bank of Ireland.
OUR KNOWLEDGE IS YOUR GAIN