Insurance for Crofters and Common Grazings. Welcome back to Crofting Matters! In this episode, Siobhan is joined by Jonathan Hogg, a rural insurance expert from NFU Mutual’s Dingwall branch.  Johnny has an agricultural background, works in a crofting area and understands the issues that crofters and grazing committees face with access, theft and weather-related incidents. We remove the ambiguity surrounding the need for Public and Employer’s liability cover, and what to do if the bull can outrun humans. 

We discuss: 

• Whether a small crofting business needs insurance, and what kind? 
• The need for Public Liability insurance. 
• Livestock – minimising the risk. 
• Wording on signs. 
• When to cover machinery and livestock for theft and loss. 
• Employer’s liability when you may not think of yourself as an employer! 
• Common Grazings and Sheep Stock clubs – cover required. 

FAS Resources 

https://www.fas.scot/news/common-grazings-and-sheep-stock-clubs-liability/