Family members working in the business · machinery · seasonal workers
Personal accident insurance for agricultural businesses through Avéro Achmea
On a farm there are people at work who do not appear on the payroll: family members, seasonal workers and contractors. Whether they fall under the policy is set out in the description of the circle of insured persons.
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Deze pagina in het Nederlands: Ongevallenverzekering voor het agrarisch bedrijf 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.
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- 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
We act as an independent intermediary and approach several companies. Avéro Achmea often comes into the picture with agricultural businesses because the personal accident cover there runs within a wider package. An overview of that package can be found under the agricultural insurance from Avéro Achmea. The choice follows from the cover needed and the conditions.
The risk picture on a farm differs from that in an office. The accidents that happen here involve the power take-off and rotating machinery, a fall from a loft or out of a silo, being crushed by livestock and tractors overturning in the yard. For injury an animal causes to a third party there is also the strict liability in Article 6:179 of the Dutch Civil Code: as keeper you are liable without fault having to be shown. That belongs on the public and employers' liability insurance, not on the personal accident policy.
The heart of the application is the circle of insured persons. A partner who works in the business, a son who helps out at weekends or a parent who goes on living on the farm are usually not on the payroll and therefore fall outside the standard description. The same applies to seasonal workers at harvest time and to a contractor brought in. For hired-in workers your duty of care under Article 7:658(4) of the Dutch Civil Code does continue. Have it expressly recorded who is insured and keep that list up to date.
This page deals with one situation. The full overview is on Compare family personal accident insurance.
What to look out for
Four subjects that can lead to a refusal on an agricultural business.
Name family members working in the business separately
A policy that speaks of 'employees on the payroll' does not cover the working partner and the children who help out. It is precisely that group which is on the farm most often and for the longest. Have them included by name or as a described category, including the hours during which the cover applies. With twenty-four-hour cover the question of working time no longer arises, which on a family business can be a reason to choose it.
Tractors on the public road
An agricultural vehicle that goes on the road is a motor vehicle with an insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM). That third-party liability cover deals with other people's losses, but not with injury to your own driver. For staff who take part in traffic for work, separate traffic cover is needed. The distinction is set out under WEGAS and WEGAM. For the vehicle itself, see the agricultural tractor insurance.
Zoonoses and crop protection are not accidents
An infection arising after exposure to animals, or complaints after years of working with crop protection products, lack the sudden effect from outside that the concept of an accident requires. Those are occupational diseases and they fall outside the policy. Acute poisoning or a wound infection following a covered accident can be included, but only where the conditions name it as an extension in so many words.
Peak staffing and adjustment of premium
The premium hangs on the number of insured persons declared or on the wage bill. If you work at harvest with several times your permanent staff, declare it rather than relying on an adjustment afterwards. People who did not fall within the circle declared at the time of the accident are not insured, even if you pay the premium later.
What does your premium depend on?
- Number of insured persons and roles: permanent staff, family member or seasonal worker
- Sector: livestock, arable, glasshouse horticulture or contracting
- Sums insured: per section and per person
- Period of cover: twenty-four hours or only during work
- Machinery and work at height: determine the risk class
- Family members covered as well: declared separately alongside the staff
Insurers weigh these details differently. That is where your saving is.
When the personal accident cover pays out
| Situation | Basic | Extended |
|---|---|---|
| An employee falls from the hayloft and is left with permanent back injury | Yes | Yes |
| That same employee falls off the roof of his own shed at home on a Saturday off | No | Yes |
| An employee is knocked off his bicycle on the way from home to the farm | Provided that | Yes |
| Dental and physiotherapy costs after being kicked by a cow in the milking pit | No | Provided that |
| A student on placement traps his hand while cleaning the feed mixing plant | Provided that | Yes |
| An employee is off for months with burnout after a busy harvest season | No | No |
A personal accident policy pays a fixed amount on death or permanent disability and pays treatment costs only where a separate section provides for it.
Frequently asked questions
This is what people ask us most.
Is my partner who works in the business insured?
Only if she or he is expressly included in the circle of insured persons. A description based on staff on the payroll excludes family members working in the business, even where they work on the farm every day. Have this named on the application and check it at every change in how the business is run, for example when a child joins after finishing a course.
Does injury caused by a cow or horse come under this?
Injury to an insured person caused by an animal is an accident and falls under the cover, provided that person is within the circle. If a third party is injured, for example a visitor or a vet, it is a matter of your liability as keeper of the animal under Article 6:179 of the Dutch Civil Code. That is a matter for the public and employers' liability insurance (AVB).
What if a contractor brought in is injured in my yard?
That person does not fall under your personal accident policy unless hired-in staff are included. Your duty of care does run: Article 7:658(4) of the Dutch Civil Code extends to people who carry out work for you outside an employment contract. Such a claim lands on the employers' liability section of your liability insurance, and not on this policy.
Is an accident with the tractor on the public road covered?
For the insured persons, yes, if the policy covers twenty-four hours or if it happens during working time. The damage you cause to others runs through the vehicle's WAM cover. Injury to the driver himself does not fall under that; traffic cover for employers or passenger cover is needed for it.
Read more
Within Gezinsongevallenverzekering
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