Specialty Insurance Built for Independent Crop Consultants

Liability Protection for Independent Crop Consultants

What are the Key Features of this Insurance Program?

This specialist insurance cover is written on a claims-made basis, which means it covers claims first reported during the policy period, provided they do not arise from circumstances already known before your coverage was incepted, or mistakes made before the Retroactive Date. Underwriters define Crop Consultants as professionals who provide advice and services to third parties for a fee. This comprehensive protection includes recommendations on the use of fertilizers, pest control, seed selection, integrated crop management, precision farming and regulatory compliance. It also secures operational liabilities arising from advice or reports regarding crop inspection, field scouting, irrigation scheduling, contract research, whole farm planning, equipment management and crop marketing advice.

To protect your balance sheet, your policy limits and deductible include defence costs and legal expenses. Underwriters set your deductible based on your organisation’s turnover and claims history to create the most effective risk transfer solution. Our experienced brokers work closely with you and Lloyd’s of London Underwriters, taking a flexible approach when tailoring your policy. Together we assess your operations individually to provide a tailored policy that support your independent consulting activities.

This program is specifically designed for United States based Independent Crop Consultants; Underwriters can extend the scope of your cover for organizations that conduct Soil and Seed Sampling or perform dedicated Laboratory Testing.

Coverage includes the recommendation to apply agricultural chemicals or fertilizers but excludes sales activities, acting as a sales representative/salesman or the application of chemicals or fertilizers.

In the event of a claim the Lloyd’s process is designed to work for individuals, and businesses of all sizes. Which means, whomever you are, and whatever the nature of your claim, you can be confident we shall deal with it in the most suitable way. When you secure your policy with Lloyd’s of London, you can be certain you are in safe hands. Lloyd’s has built its global reputation by upholding its promise to pay all valid claims for more than three centuries. This is what sets Lloyd’s apart, and it is done by providing unparalleled security, global strength, exceptional service and world-class expertise for customers globally.