Package structure · ancillary activities · bases of value
Agricultural insurance through Avéro Achmea
A farm is not a single risk but a series of them. The question with a package is not whether every section is on it, but whether there is a gap between those sections.
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Deze pagina in het Nederlands: Agrarische verzekeringen via Avéro Achmea.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass arranges cover from Avéro Achmea's agricultural range. We are not tied to this insurer: we compare several insurers objectively, and which name ends up on the policy follows from how your business is set up. Avéro Achmea often comes into the picture for businesses where buildings, crops, livestock, machinery and liability have to be built up as a coherent whole, because a single start date and a single claims contact simplify administration. An overview of the sector can be found at arable and livestock farming.
The benefit of a package lies in the connection, not in the discount. If a cubicle house burns down, the buildings section pays for rebuilding, but the livestock, the harvest in store and the contents sit in other sections with their own sums insured. The months in which you cannot produce fall under agricultural business interruption insurance. Crops under glass have a section of their own again, see greenhouse crops.
What a package not is at least as important. Animal and plant diseases and the measures the government imposes because of them, such as culling, a movement ban or a growing ban, are not an insured event on a damage policy. Contamination of soil, air or water belongs on environmental damage insurance. And self-propelled machinery falls outside the package sections because it is subject to the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four points that lead to disputes on an agricultural package more often than the premium does.
Ancillary activities are not included automatically
A small campsite, a farm shop, a care branch, childcare, letting a shed or supplying electricity from your own installation changes the risk profile materially. Article 7:928 of the Dutch Civil Code requires you to declare those activities at the outset. If you do not, Article 7:930 of the Dutch Civil Code governs what the insurer still has to pay when you claim. Report a new branch when you start it, not at the next renewal.
Culling and movement bans are not policy concepts
With avian influenza, foot-and-mouth disease or brown rot, compensation runs through the government and the Animal Health Fund, not through your insurer. The downtime that follows is also excluded as standard on business interruption cover. Only an express clause for animal disease or government intervention provides for it. Ask about that explicitly, because the assumption that it is included is persistent.
The machine determines which policy responds
A tractor or telehandler that goes onto the road belongs on a tractor or plant and machinery policy. If you use that machine to work on someone else's land or building, damage to that very object runs into the care, custody and control exclusion of the liability section. An internal breakdown of the machine itself is again a machinery breakdown insurance. Three policies, three moments.
Each part has its own basis of value
Buildings usually go on rebuild value with indexation, machinery on replacement or market value, and crops on production costs that rise through the season. Anyone who uses the same figure everywhere is underinsured on one part and paying too much on another. Article 7:960 of the Dutch Civil Code limits the payment: the loss must not leave you better off.
What does your premium depend on?
- Sector: arable, dairy, intensive livestock or glasshouse horticulture
- Area of buildings and glasshouses: including construction type and roof covering
- Livestock numbers and type of housing: number of animals and the layout of the building
- Value of the machinery fleet: decisive for the machinery section
- Fire prevention: electrical inspection, lightning protection, separation of storage
- Secondary activities: the public on the yard changes the liability risk
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A fire in the cubicle house in which the roof collapses | Yes | Yes |
| Corrugated sheets blown off the open barn in a storm | Yes | Yes |
| A lightning strike burning out the climate computer in the shed | Provided that | Yes |
| An internal breakdown of the milking robot with no identifiable event | No | Provided that |
| Hail damage to the crop standing in the field | No | No |
| Cracks in the silage clamp from years of wear | No | No |
Every section in the package has its own sum insured; one loss often affects more than one at a time.
Frequently asked questions
This is what people ask us most.
What happens if I fail to report a new branch of the business?
When you claim, the insurer assesses what it would have done had it known. If a higher rate would have applied, payment is made proportionately. If it is a risk the insurer would not have accepted, the payment can lapse altogether. That follows from Article 7:930 of the Dutch Civil Code. Reporting in advance costs an amendment to the policy schedule; reporting afterwards costs you the claim.
Is a shutdown caused by animal disease insured?
Not as standard. Business interruption cover works from material damage to your own business, such as fire or storm. A cull or a movement ban is not material damage but a government measure, and therefore falls outside the ordinary wording. Some insurers offer a separate clause with its own conditions and its own indemnity period. You have to ask for it actively.
Why is my tractor not on the agricultural package?
Because motor vehicles are subject to their own statutory insurance requirement under Article 2 WAM. Mobile machinery therefore gets its own policy, with a choice between liability only or own-damage cover as well. We make sure the description of use on that policy matches the described activities on your business insurance, so that work at third parties' premises does not fall between two stools.
How do I keep the buildings section up to date?
By working from rebuild value and having it established periodically, preferably with a valuation the insurer accepts. If you add a shed, install solar panels or change the use of a barn, report it. An index clause follows building costs, but does not correct for extensions you have carried out yourself.
Read more
Within Opstalverzekering gebouwenverzekering
- Opstalverzekering gebouwenverzekeringthe main page
- Klaverblad zakelijk agrarische verzekeringen
- Avero achmea zakelijk opstalverzekering veehouderij en teelt in gebouwenverzekering
- Avero achmea zakelijk teelt buitenverzekering
- Avero achmea zakelijk kasverzekering
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- Avero achmea zakelijk bedrijfsgebouwverzekering