The Rural Protect Scheme

Our rural clients can be reassured that their Management Liability is adequately covered, with a brand new insurance product designed specifically with them in mind.

Rural Protect has been developed by the rural insurance specialists at HB Underwriting in partnership with AXA – it is a specialist insurance policy that is available as an additional product that covers risks not generally covered in many farm and agricultural combined policies.

Unlike most Management Liability policies, Rural Protect offers tailor-made protection to your business itself, including if you’re a partnership or sole trader, and any personal liability you have as a manager, director or owner.  

Both investigation and defence costs are covered to support you if you are faced with prosecutions and warnings from many of the UK’s regulators and enforcement agencies such as DEFRA and The Environment Agency. This is further enhanced by exclusive pursuit cover giving you the means to take action against those trespassing on your land.

Behind this financial support, as a Rural Protect policy holder you’ll also have the expert advice of leading law firm rradar at your disposal, with free unlimited legal advice, and access to PR expertise and other fallout costs in the event of an incident.

Through the additional level of protection of Rural Protect – a product designed exclusively for your sector, you can be sure that there are experts working in collaboration with a view to giving your business the very best protection.



Rural Protect is exclusively available to a broad range of rural clients, from working farms and tree surgeons, to estates and equine businesses including stables and riding schools. The main benefits include:

  • Farm partnerships and sole traders can buy the same level of protection as directors of limited companies – this includes Personal Liability, Company Liability plus an option to add Employment Practices Liability
  • Investigation AND defence costs are covered, plus awards
  • Exclusive product enhancement – Pursuit Cover
  • Supported by leading law firm, rradar, offering free unlimited legal advice protected by “legal privilege”
  • Any professional fees incurred in defending an allegation are covered eg forensic accountant, mechanics
  • Access to PR expertise and costs in the event of an incident
  • Any One Claim Limit of indemnity
  • Support with rent arbitration and Single Farm Payment appeals

To find out more, call 01524 848506 
or email

The Rural Protect Scheme