Farmer, which insurance to choose?

Farmer, which insurance to choose?

We'll explain everything you need to know about insurance if you are a farmer. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a farmer? What are the main risks in your business? When do you assume your responsibility as a farmer?

Summary

    Farmer, what are your compulsory insurance?
    What is the price of professional farmer's insurance?
    Professional farmer civil liability insurance
    What are the best farmer's insurance?

Farmer, what are your compulsory insurance?
Professional Liability
Status
Highly recommended
advice
To protect yourself in the event of misconduct or professional accidents (which may expose you to criminal charges)
Professional multi-risk
Status
Highly recommended
advice
Covers the farm, goods, and animals. Please note that the harvest is not systematically covered and may be the subject of a specific contract
Farmer Accident Insurance (AAEXA)
Status
Obligatory
advice
Guarantees the cost of care following a work accident, incapacity pension ...
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Auto / Tractor Insurance (any land motor vehicle)
Status
Obligatory
advice
There are many insurance contracts for tractor and self-propelled, covering liability and damage to the vehicle
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional farmer's insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Multi-risk agricultural insurance
Average annual price (€)
From 130 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our farmer insurance comparators
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COMPARE 34 TNS MUTUAL OFFERS
Professional farmer civil liability insurance

The farmer RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your place of work, of your own doing, of your employees, your property or your animals.

Professional Civil Liability is strongly recommended for all farmers, whether they are farm managers or farm workers.

Farmers can also take out other Civil Liabilities to further protect their business and professional assets, such as environmental damage liability, livestock trader liability, animal guarding liability, etc.
What are the guarantees of the RC Pro farmer insurance?
Public liability
Main risks
Accident caused by a herd, falling equipment, slipping, environmental damage
Probability
Important
Comments
As the potential risks are numerous, CPR seems essential to us. Check the amount of deductibles
Guarantee of recourse and criminal defense
Main risks
Procedure initiated by a customer, a supplier, etc.
Probability
Medium
Comments
Very useful if the event is excluded from the liability guarantee. Attention, exclusion of professional acts prohibited by law or not authorized for the insured
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