Crop handling
• Check crops are insured when off farm
• Consider business interruption
• Factor in storage conditions
S
afe and effective grain and crop storage is a crucial area of farm management – and farmers are advised to seek insur- ance for in-store crops ahead of the busy harvest period “Fire is the word that terrifies all farmers,” says Richard Beech- ener, broker at agricultural insur- ance company Farmers & Mer- cantile. “It may be the crop store with or without crops stored in- side. It may have been caused by over-heating, arson, electrical fault or an accidental spark.” In reality, most modern main- stream arable farming policies will already cover for such inci- dents, and the crop will be insured whether in field or in store. But to- day the implications of business interruption must also be consid- ered.
Interruption “Take account of the value of the stock, but couple this with the in- demnity period,” says Mr Beech- ener. “In other words, how long the
“
Calculating cover sensibly can help to ease the burden
Insurance firms should be told whether crops are stored on the home farm or elsewhere
Check insurance cover for stored crops ahead of harvest
business interruption is in place, and typically this will be a mini- mum of two years before opera- tions return to normal.” If a store burns down, for ex-
ample, a farmer will either need to hire other facilities or face a sig- nificant loss of income. Sensibly calculated business interruption cover can ease the burden. An increasingly common, and added complication, is the use of a third-party farm for storage. In the instance that one farmer will make use of storage facilities on a neighbouring farm, it is essen-
tial to have a robust warehouse- man’s contract in place, with the insurance of the quality of prod- uct clearly established. It is, of course, essential that the insurer is aware whether crops are stored at the home farm or a third-party farm. It also needs to be established whether the tem- porary custodian of the grain or other crop takes over the insur- ance during this period. “It might be that one neighbour has a drying facility, and another makes use of this for a temporary period,” says Mr Beechener.
New JCB Loadall makes UK debut
The new JCB Loadall 536-60 Agri Pro telescopic handler made its UK debut at last month’s Grass- land & Muck event at Stoneleigh, Warwickshire. Featuring the all-new JCB Du-
alTech VT transmission with hy- drostatic and powershift drives, the 536-60 AGRI Pro weighs about a tonne less than the
equivalent 7m Loadall introduce last year but still has a lift ca- pacity of 3,600kg to a full height of 6.2m.
It will typically be used by larger dairy and other livestock farms, where the low-speed con- trol and fast cycle times provided by the DualTech VT transmission are ideal for the daily feeding rou-
tine and other year-round tasks. It also features JCB’s ad- vanced Smart Technology hy- draulics with automated buck- et rattle and fast but controlled boom operation for rapid fuel-sav- ing loading cycles, JCB LiveLink telematics to provide security functions, service monitoring and early warning of potential faults.
JUNE 2017 • ANGLIA FARMER 41
“In such circumstances, arrange- ments should be made with the insurance broker to ensure inter- nal factors such as storage man- agement competence are covered, and a comprehensive set of stor- age notes are included. “Of course, in the case of per-
ishable goods such as top and soft- fruits there is potential that more could go wrong, and temperature controlled environments and cold- stores would need to be factored into any arrangement. It is im- portant to be very clear what is in place,” he adds.
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