Page 147 - Policy Wording - Hollard Business Binder (2020-08-26)

1.1 This is accommodation business.
1.2 Available to bona fide farmers only.
1.3 Underlying section(s) required and include one or more of the following:
1.3.1 Domestic Buildings;
1.3.2 Householders;
1.3.3 Fire;
1.3.4 Public Liability.
1.4 Perils are limited to fire and lightning only.
1.5 Death as a result of food poisoning is included as an optional cover.
2. UNDERSTAND THE RISK
2.1 Topography is important.
2.2 Will animals be kept near dams, rivers and the like?
2.3 What species are you dealing with?
2.4 Basic cover:
2.4.1 2.4.2 2.4.3 2.4.4
2.5 Optional
fire and lightning;
fire-extinguishing charges;
debris removal (transit only);
lambs or calves, older than 24 hours and younger than 3 months.
cover:
2.5.1 transit;
2.5.2 attack by dogs and wild animals;
2.5.3 frostbite and freezing;
2.5.4 hijacking (transit only);
2.5.5 riot and strike.
3. UNDERWRITE THE RISK
3.1 3.2 3.3 3.4 3.5
All animals of a species unless the specific animal can be identified.
Determining value is an issue, so depend on latest auction prices or going rate from a dealer in animals. This section is subject to average.
Birth is taken care of in terms of the wording; any additional animals will be covered for a short period only. Species that can be covered without referral to Hollard:
3.5.1 3.5.2 3.5.3 3.5.4 3.5.5
all livestock including large stock, cattle, horses, donkeys and similar types; smaller types stock, sheep, goats, pigs;
poultry, chickens, geese, turkeys, ducks;
game, ostriches;
pedigreed animals but preferably under the section Pedigreed Animals.
Livestock
1. GENERAL
LIVESTOCK
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Commercial Underwriting Mandates and Guidelines – Binder – Version 2 2020