Professional insurance for farmers
As a farmer you use expensive farm equipment, you have to deal with inclement weather, natural disasters, and you own buildings that can suffer property damage. So you have to face many risks for which it is necessary to take out insurance.
As always, taking out professional liability insurance is essential, but for your activity in particular, it is important to optimize your insurance as best as possible according to the risks specific to the farming profession. We then speak of agricultural insurance, or agricultural multi-risk. Finally, as a farmer, it is essential that you think about your health by subscribing to an agricultural mutual
Climate change, ecological disasters, parasitic attacks… the risks weighing on agricultural production are numerous. In response, a multitude of insurance solutions are offered to operators. But, it is important to distinguish 2 components when we talk about agricultural insurance. The first part concerns the coverage of damage linked to production and factors of production: loss of income, agricultural machinery, the fulguration of animals ... The second part concerns the social cover of the farmer, as a self-employed worker. Below are the main insurance solutions available to the farmer.
The insurance solutions offered
Risk management in an agricultural operation, whether it is field crops or livestock, must be considered with great care, in case of difficulty in carrying out an assessment, do not hesitate to bring in an insurance company. or a specialized broker to carry out a risk audit.
Insurance solutions related to production and factors of production include:
Buildings and their contents. In this case, professional agricultural multi-risk insurance can cover damage to property resulting from fire, bad weather, broken glass or theft (for the equipment therein);
Cattle and crops. The mortality of livestock (diseases, for example), is taken into account, as well as crop losses linked to hail, a storm, a flood or even drought. For this type of solution, the level of protection is determined by the dominant activity of the farm;
Agricultural equipment and vehicles. The type of subscription depends on the use of equipment and vehicles, their age and their value. In general, it is recommended to take out a full warranty formula, when the equipment or vehicles are new;
Damage caused to third parties. Here, we are talking about civil motor insurance, compulsory even for self-propelled agricultural machinery. Likewise, the farmer can take out a "head of family civil liability" cover.
Life and health insurance solutions for the operator and his family
Protection of the family and the operator:
The Accident Insurance for Farmers (A.A.E.X.A). It is compulsory for the farm manager, members of his family and all those who participate in production activities;
Additional guarantees. These are guarantees giving more extensive protection to the farmer, through provident insurance. The situations affected by these guarantees are: sick leave, death, and disability.
How do agricultural insurance solutions work?
The operation of agricultural insurance varies, depending on its nature. We can distinguish the following cases:
Payment of pensions or indemnities. These can be daily, as in the case of additional guarantees. Pensions may be paid in the event of disability resulting from activity or a life-threatening accident;
Pension and death benefit. Certain solutions (in particular additional guarantees) allow the payment of a pension to the spouse or a death benefit (spouse and / or heirs);
Health care costs, in the event of occupational disease (or private life) or work accident (or private life), for A.A.E.X.A. These costs also include maternity and disability resulting from the exercise of an agricultural profession;
Disability pension, for A.A.E.X.A insurance (partial or total incapacity for agricultural trades).
What are the essential guarantees for the agricultural sector?
The essential insurance for the farmer is linked to illness and accident cover (for himself and for his family), his property (equipment, livestock, etc.) and his civil liability. The A.M.E.X.A (Assurance Maladie des Exploitants Agricoles) and the A.A.E.X.A are, in particular, compulsory insurance for the farmer and his family. Property damage coverage is also essential for the farmer. These are, for example, guarantees covered
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