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01653 609090 enquires hbunderwriting co uk The Vines 29 Market Place Malton YO17 7LP www ruralprotect co uk Case Studies Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Contents Page Accident Investigation 3 Employment Grievance Allegations 4 Dealing with External Organisations 5 Claim Compliance 6 Conducting Rural Rent Negotiations 7 Livestock Transport Regulations 8 Disputed Invoices 9 Included under Rural Protect 10
Contents Page Accident Investigation 3 Employment Grievance Allegations 4 Dealing with External Organisations 5 Claim Compliance 6 Conducting Rural Rent Negotiations 7 Livestock Transport Regulations 8 Disputed Invoices 9 Included under Rural Protect 10
Accident Investigation Employment Grievance Allegations Counting the cost Avoiding expensive tribunals Limiting your exposure to heavy fees or a custodial sentence An agricultural company asked several of its farm workers to clear a blocked drain at ground level in one of the farm s cattle sheds Without instruction from or knowledge of the company the workers climbed up onto the roof of the shed to clean out a gutter One worker fell through a skylight suffering a serious back injury as a result The Health and Safety Executive HSE began a criminal investigation alleging that the client had failed to ensure the work at height undertaken was planned supervised and carried out in a safe manner The HSE invited the client to attend an interview under caution indicating that a criminal prosecution was contemplated Throughout the investigation rradar advised the company directors at meetings One of rradar s specialist and senior lawyers attended the caution interview to represent the company rradar also made representations on the company s behalf to the HSE The advice support and representation provided by rradar was crucial in enabling the client to mount a robust defence which resulted in the HSE deciding not to prosecute the company thereby avoiding paying fees for HSE intervention at 129 per hour very heavy fines or possible imprisonment Total cost for legal fees in the handling of this claim were just over 6 000 If any business is found to be in material breach of health and safety law they will have to pay for the time it takes the HSE to identify the breach and help put things right This includes investigating and taking enforcement action We cover these costs in the Rural Protect policy under the company liability section this is not usually something covered by standard D O or legal expenses insurance A serious accident for an employee can spell disaster both for them and their employer What can lessen the impact for all concerned and avoid a costly court appearance fines a prison term and potentially the end of the business Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 Seamless support and expert representation A rural veterinary practice saw an informal grievance by one of its employees move swiftly to multiple written allegations against colleagues and senior management and allegedly involved poor supervision lack of training and discrimination Through the rradarstation the clients educated themselves using advice with the online resources and took early appropriate and preventative action rradar also advised on all aspects of handling the informal and written grievances As the case progressed and the client needed representation already fully aware of the circumstances rradar were able to offer seamless support reacting and moving fast to protect their business rradar advised on the investigation process obtaining of statements and communication The grievance was not upheld and the employee appealed introducing new grounds rradar advised on the ACAS procedure and tribunal claim Due to robust defence of the client the claimant s solicitor withdrew and the claimant abandoned their claim with a letter of apology No fees were incurred in dealing with all grievance issues saving our client in the region of 3 000 to 6 000 The triggering of the Rural Protect policy and defence of the tribunal claim also saved them up to 15 000 in additional legal fees Claims against an insured person and employment practice claims cover are provided as standard under the personal liability section of Rural Protect and legal costs are covered As a director of any business it is important to respond to allegations by an employee and prepare your legal defence Separate optional employment practices liability is also available under Rural Protect providing cover against alleged unfair dismissal brought against a business by an employee Court attendance costs can also be covered up to 250 a day Employee grievances can escalate quickly and unexpectedly What happens when an employee issue spins out of control How can you handle the fallout avoiding costly tribunals and hefty settlement Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Accident Investigation Employment Grievance Allegations Counting the cost Avoiding expensive tribunals Limiting your exposure to heavy fees or a custodial sentence An agricultural company asked several of its farm workers to clear a blocked drain at ground level in one of the farm s cattle sheds Without instruction from or knowledge of the company the workers climbed up onto the roof of the shed to clean out a gutter One worker fell through a skylight suffering a serious back injury as a result The Health and Safety Executive HSE began a criminal investigation alleging that the client had failed to ensure the work at height undertaken was planned supervised and carried out in a safe manner The HSE invited the client to attend an interview under caution indicating that a criminal prosecution was contemplated Throughout the investigation rradar advised the company directors at meetings One of rradar s specialist and senior lawyers attended the caution interview to represent the company rradar also made representations on the company s behalf to the HSE The advice support and representation provided by rradar was crucial in enabling the client to mount a robust defence which resulted in the HSE deciding not to prosecute the company thereby avoiding paying fees for HSE intervention at 129 per hour very heavy fines or possible imprisonment Total cost for legal fees in the handling of this claim were just over 6 000 If any business is found to be in material breach of health and safety law they will have to pay for the time it takes the HSE to identify the breach and help put things right This includes investigating and taking enforcement action We cover these costs in the Rural Protect policy under the company liability section this is not usually something covered by standard D O or legal expenses insurance A serious accident for an employee can spell disaster both for them and their employer What can lessen the impact for all concerned and avoid a costly court appearance fines a prison term and potentially the end of the business Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 Seamless support and expert representation A rural veterinary practice saw an informal grievance by one of its employees move swiftly to multiple written allegations against colleagues and senior management and allegedly involved poor supervision lack of training and discrimination Through the rradarstation the clients educated themselves using advice with the online resources and took early appropriate and preventative action rradar also advised on all aspects of handling the informal and written grievances As the case progressed and the client needed representation already fully aware of the circumstances rradar were able to offer seamless support reacting and moving fast to protect their business rradar advised on the investigation process obtaining of statements and communication The grievance was not upheld and the employee appealed introducing new grounds rradar advised on the ACAS procedure and tribunal claim Due to robust defence of the client the claimant s solicitor withdrew and the claimant abandoned their claim with a letter of apology No fees were incurred in dealing with all grievance issues saving our client in the region of 3 000 to 6 000 The triggering of the Rural Protect policy and defence of the tribunal claim also saved them up to 15 000 in additional legal fees Claims against an insured person and employment practice claims cover are provided as standard under the personal liability section of Rural Protect and legal costs are covered As a director of any business it is important to respond to allegations by an employee and prepare your legal defence Separate optional employment practices liability is also available under Rural Protect providing cover against alleged unfair dismissal brought against a business by an employee Court attendance costs can also be covered up to 250 a day Employee grievances can escalate quickly and unexpectedly What happens when an employee issue spins out of control How can you handle the fallout avoiding costly tribunals and hefty settlement Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Dealing with External Organisations Ensuring Rural Subsidy Claim Compliance How to negotiate from a position of strength Experienced negotiation skills and expert legal knowledge give you the strength you need to protect your business The client was a freehold farm owner National Grid together with a well known phone company wanted to put an underground 1 5m deep telecom cable across the farm While the negotiations were ongoing regarding a compensation agreement the cable was laid on the surface Unfortunately due to disagreements about the level of compensation negotiations broke down and the cable remained on the surface for twelve months without the permission of the client The client regarded this as trespass and nuisance he had lost hedgerow stewardship because the cable stopped him from managing the hedges on his land The cable also prevented access to fields costing him money Thanks to rradar s intervention and expert negotiation a settlement of 14 000 was made in the client s favour He could then return to running his farm with no further inconvenience Total cost for legal fees in the handling of this claim were just over 9 500 including counsel Rural Protect includes a cover feature known as pursuit which sits under the Company Liability section Trespass nuisance person removal and property damage are all covered as standard as part of the insurance In addition to the primary defense function of the policy it also enables a business to pursue legal action in specific areas Rural businesses need to operate unencumbered by distractions and inconveniences When an external organisation causes such a problem it s important that the business owner has the ability to negotiate from a position of strength Under the terms of his policy the client contacted rradar who conducted negotiations with National Grid s lawyers for compensation and a confirmed date on which work could be carried out to bury the cable Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 Representation advice and friendly assistance can give your business the edge in the event of a dispute A farming business applied for common agricultural policy CAP single farm payment subsidy to Rural Payment Wales RPW RPW assessed that the client had made an inaccurate application in that they had overclaimed their entitlement by a number of hectares RPW imposed a penalty 5 000 and reduced the claim by a commensurate amount The client contacted rradar under the terms of their policy rradar assessed the case and acting on behalf of the client they appealed RPW s decision RPW agreed to reassess the client s claim and the penalty was significantly reduced There was still an element of overclaim but nowhere near as much as RPW had initially said CAP schemes appeals cover is included under the pursuit section of Rural Protect Many clients use their CAP payment to cover other overheads if this is reduced or removed it can cause significant impact to a business s expenses This is another unique cover feature of Rural Protect that we provide as standard in all our policies Total cost for legal fees in the handling of this claim were just under 4 000 Preparation and representation of the insured at an appeal for any payment reduction in the CAP payment schemes is insured for up to 10 000 of cover within any one period of insurance Rural subsidies can be complex matters for farming businesses and there are many factors that will affect an application If you make an honest mistake do you have the expertise to represent yourself and protect your business against the regulators In the case of payment subsidy claims repeat offences would have led to greater fines so it was important that the client got the claim right Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Dealing with External Organisations Ensuring Rural Subsidy Claim Compliance How to negotiate from a position of strength Experienced negotiation skills and expert legal knowledge give you the strength you need to protect your business The client was a freehold farm owner National Grid together with a well known phone company wanted to put an underground 1 5m deep telecom cable across the farm While the negotiations were ongoing regarding a compensation agreement the cable was laid on the surface Unfortunately due to disagreements about the level of compensation negotiations broke down and the cable remained on the surface for twelve months without the permission of the client The client regarded this as trespass and nuisance he had lost hedgerow stewardship because the cable stopped him from managing the hedges on his land The cable also prevented access to fields costing him money Thanks to rradar s intervention and expert negotiation a settlement of 14 000 was made in the client s favour He could then return to running his farm with no further inconvenience Total cost for legal fees in the handling of this claim were just over 9 500 including counsel Rural Protect includes a cover feature known as pursuit which sits under the Company Liability section Trespass nuisance person removal and property damage are all covered as standard as part of the insurance In addition to the primary defense function of the policy it also enables a business to pursue legal action in specific areas Rural businesses need to operate unencumbered by distractions and inconveniences When an external organisation causes such a problem it s important that the business owner has the ability to negotiate from a position of strength Under the terms of his policy the client contacted rradar who conducted negotiations with National Grid s lawyers for compensation and a confirmed date on which work could be carried out to bury the cable Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 Representation advice and friendly assistance can give your business the edge in the event of a dispute A farming business applied for common agricultural policy CAP single farm payment subsidy to Rural Payment Wales RPW RPW assessed that the client had made an inaccurate application in that they had overclaimed their entitlement by a number of hectares RPW imposed a penalty 5 000 and reduced the claim by a commensurate amount The client contacted rradar under the terms of their policy rradar assessed the case and acting on behalf of the client they appealed RPW s decision RPW agreed to reassess the client s claim and the penalty was significantly reduced There was still an element of overclaim but nowhere near as much as RPW had initially said CAP schemes appeals cover is included under the pursuit section of Rural Protect Many clients use their CAP payment to cover other overheads if this is reduced or removed it can cause significant impact to a business s expenses This is another unique cover feature of Rural Protect that we provide as standard in all our policies Total cost for legal fees in the handling of this claim were just under 4 000 Preparation and representation of the insured at an appeal for any payment reduction in the CAP payment schemes is insured for up to 10 000 of cover within any one period of insurance Rural subsidies can be complex matters for farming businesses and there are many factors that will affect an application If you make an honest mistake do you have the expertise to represent yourself and protect your business against the regulators In the case of payment subsidy claims repeat offences would have led to greater fines so it was important that the client got the claim right Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Conducting Rural Rent Negotiations Livestock Transport Regulations And how to comply with them What to know Advice negotiation professional assistance A survival kit for beleaguered businesses The client was a sitting tenant under a farm business tenancy Every four years the landlord was entitled to review the rent The tenant was given the chance to agree the increase or enter negotiations In this case the landlord wanted to increase the rent by a significant amount The tenant felt that the increase was disproportionate and could have led to the possible closure of his business Despite negotiations there was no resolution The client contacted rradar under their policy and rradar assisted the client in arbitration and negotiation of the rent increase rradar instructed a land agent to assist in this process The land agent s fees were met by the policy Agricultural tenancy dispute cover is included under the pursuit cover of the Company Liability section from Rural Protect Again this is another area of cover we provide as standard in all policies Some companies that insure rent arbitration only cover when a point of arbitration is reached Rural Protect provides cover from when a review of rent is required or requested by the land owner prior to a point of Arbitration Representation is provided at the review meetings stage up to 10 000 of legal costs in any one period of insurance Many rural businesses operate on a financial knife edge and any unexpected expense could cause real trouble If your financial circumstances change suddenly you ll need expert advice to ensure that your business is protected A rental increase that was acceptable to both parties was agreed and the client was able to carry on farming secure in the knowledge that the business was safe Total cost for legal fees in the handling of this claim were just over 2 500 Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 When facing serious allegations you need expert legal advice and representation The insured runs a pig farming business The company transported a quantity of pigs to a local abattoir using its own vehicle and driver When the vehicle arrived at the abattoir it was found that several pigs were already dead with further animals being in such a poor condition that they had to be shot immediately The County Council trading standards department started an investigation into the incident looking into whether the company had failed to meet its obligations under the Animal Transport Regulations and or Animal Welfare Regulations rradar worked with the client reassuring them concerning the legal process and examining the circumstances of the case in detail With the assistance of rradar s legal team the company provided a written response to questions setting out their systems and procedures and highlighting that the fault in this case was due to driver error he had fallen short of the standards that they expected and had acted contrary to the extensive training that he had received The council was satisfied that the company had no case to answer and no further action was taken The client was therefore able to avoid significant fines which could have seriously damaged their business Total cost for legal fees in the handling of this claim were just over 2 500 Under Rural Protect defence cases there is no prospect of success clause meaning that when quality cover is required the policy will react Many legal expenses policies not only contain an initial prospect of success clause of 51 or above but this is a further requirement throughout a claim in order for the policy to continue cover This is not the case with Rural Protect Investigation costs are covered as standard where other legal expenses policies in the market don t typically cover these costs either before they can reach their prospect of success ratio If you re transporting animals you need to be aware of the regulations to protect the welfare of livestock But what happens if you re investigated for breaches of those regulations Do you have the resources to defend yourself and protect your business Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Conducting Rural Rent Negotiations Livestock Transport Regulations And how to comply with them What to know Advice negotiation professional assistance A survival kit for beleaguered businesses The client was a sitting tenant under a farm business tenancy Every four years the landlord was entitled to review the rent The tenant was given the chance to agree the increase or enter negotiations In this case the landlord wanted to increase the rent by a significant amount The tenant felt that the increase was disproportionate and could have led to the possible closure of his business Despite negotiations there was no resolution The client contacted rradar under their policy and rradar assisted the client in arbitration and negotiation of the rent increase rradar instructed a land agent to assist in this process The land agent s fees were met by the policy Agricultural tenancy dispute cover is included under the pursuit cover of the Company Liability section from Rural Protect Again this is another area of cover we provide as standard in all policies Some companies that insure rent arbitration only cover when a point of arbitration is reached Rural Protect provides cover from when a review of rent is required or requested by the land owner prior to a point of Arbitration Representation is provided at the review meetings stage up to 10 000 of legal costs in any one period of insurance Many rural businesses operate on a financial knife edge and any unexpected expense could cause real trouble If your financial circumstances change suddenly you ll need expert advice to ensure that your business is protected A rental increase that was acceptable to both parties was agreed and the client was able to carry on farming secure in the knowledge that the business was safe Total cost for legal fees in the handling of this claim were just over 2 500 Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 When facing serious allegations you need expert legal advice and representation The insured runs a pig farming business The company transported a quantity of pigs to a local abattoir using its own vehicle and driver When the vehicle arrived at the abattoir it was found that several pigs were already dead with further animals being in such a poor condition that they had to be shot immediately The County Council trading standards department started an investigation into the incident looking into whether the company had failed to meet its obligations under the Animal Transport Regulations and or Animal Welfare Regulations rradar worked with the client reassuring them concerning the legal process and examining the circumstances of the case in detail With the assistance of rradar s legal team the company provided a written response to questions setting out their systems and procedures and highlighting that the fault in this case was due to driver error he had fallen short of the standards that they expected and had acted contrary to the extensive training that he had received The council was satisfied that the company had no case to answer and no further action was taken The client was therefore able to avoid significant fines which could have seriously damaged their business Total cost for legal fees in the handling of this claim were just over 2 500 Under Rural Protect defence cases there is no prospect of success clause meaning that when quality cover is required the policy will react Many legal expenses policies not only contain an initial prospect of success clause of 51 or above but this is a further requirement throughout a claim in order for the policy to continue cover This is not the case with Rural Protect Investigation costs are covered as standard where other legal expenses policies in the market don t typically cover these costs either before they can reach their prospect of success ratio If you re transporting animals you need to be aware of the regulations to protect the welfare of livestock But what happens if you re investigated for breaches of those regulations Do you have the resources to defend yourself and protect your business Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354
Disputed Invoices Included under Rural Protect How to handle demands you don t agree with Legal advice and representation giving you the power to fight your corner The client an agricultural business purchased a machine under a hire agreement at a total cost of about 30 000 The client was told it was cheaper to enter into a three year agreement which they could terminate at any stage They experienced numerous problems with the machine most of which they repaired themselves However two years into the hire period the machine was taken away by the hire company to repair and return Due to the problems experienced the client didn t want the machine back The client received a letter from the hire company s solicitor requesting payment of nearly 11 000 for the remaining period of contract within seven days or court proceedings would be started The client contacted rradar under their policy After a period of negotiations the case was settled before the final hearing for just 7 000 a significant saving for the client Contract disputes and debt recovery issues are covered as standard under pursuit cover of the company liability section within Rural Protect This is another area not usually found under typical D O or legal expenses cover and demonstrates how the Rural Protect cover has been tailored for the rural community rradar will negotiate for legal rights in a contractual dispute entered into by a client or on their behalf for the purchase hire sale or provision of goods services or the lease license or tenancy of land or buildings Running a farm is financially demanding so if you get an invoice out of the blue it can be a real problem particularly if you don t agree with the sum being charged If this happens to you have you got the know how and resources to argue your case possibly even in court rradar provided the client with advice and guidance on how to proceed and contacted the hire company on the client s behalf rradarstation rradarstation online gives policyholders access to hundreds of advice pages and free downloadable templates 24 7 whilst the rradarstation phone or email service gives policyholders a direct access to rradar s expert advisors Monday to Friday 8am to 6pm Both cover a huge range of legal business and operational sectors including but not limited to health and safety HR employment data agriculture retail transportation and more Policyholders can use or contact rradarstation with their operational questions and it will provide the answers proactive support education and documentation within the scope of the policy to defuse any potentially risky decisions and to safely guide an organisation s day to day operations rradarlegal rradar s business focussed legal teams expertly and sensitively handle any claims and legal matters which organisations may face under the coverage of the Rural Protect policy rradar always considers the operational needs of the business as a whole and there s even a crisis line for the really critical times rradargrace The rradargrace app is also available under the Rural Protect policy and answers thousands of legal business related FAQs for policyholders whether on the go or in the office The voice activated app also delivers template procedures assessments and other useful documents drawn from rradarstation directly to a policyholder s phone smart device and helps policyholders to contact rradarstation too Reliable quick legal answers and resources when organisations need them rradarnews rradarnews also gives Rural Protect policyholders helpful up to date information on legal regulatory business technology and rradarservice news rradarnews includes regular easy to read updates which aim to help policyholders understand and manage risk within their organisation Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 20 283_V1
Disputed Invoices Included under Rural Protect How to handle demands you don t agree with Legal advice and representation giving you the power to fight your corner The client an agricultural business purchased a machine under a hire agreement at a total cost of about 30 000 The client was told it was cheaper to enter into a three year agreement which they could terminate at any stage They experienced numerous problems with the machine most of which they repaired themselves However two years into the hire period the machine was taken away by the hire company to repair and return Due to the problems experienced the client didn t want the machine back The client received a letter from the hire company s solicitor requesting payment of nearly 11 000 for the remaining period of contract within seven days or court proceedings would be started The client contacted rradar under their policy After a period of negotiations the case was settled before the final hearing for just 7 000 a significant saving for the client Contract disputes and debt recovery issues are covered as standard under pursuit cover of the company liability section within Rural Protect This is another area not usually found under typical D O or legal expenses cover and demonstrates how the Rural Protect cover has been tailored for the rural community rradar will negotiate for legal rights in a contractual dispute entered into by a client or on their behalf for the purchase hire sale or provision of goods services or the lease license or tenancy of land or buildings Running a farm is financially demanding so if you get an invoice out of the blue it can be a real problem particularly if you don t agree with the sum being charged If this happens to you have you got the know how and resources to argue your case possibly even in court rradar provided the client with advice and guidance on how to proceed and contacted the hire company on the client s behalf rradarstation rradarstation online gives policyholders access to hundreds of advice pages and free downloadable templates 24 7 whilst the rradarstation phone or email service gives policyholders a direct access to rradar s expert advisors Monday to Friday 8am to 6pm Both cover a huge range of legal business and operational sectors including but not limited to health and safety HR employment data agriculture retail transportation and more Policyholders can use or contact rradarstation with their operational questions and it will provide the answers proactive support education and documentation within the scope of the policy to defuse any potentially risky decisions and to safely guide an organisation s day to day operations rradarlegal rradar s business focussed legal teams expertly and sensitively handle any claims and legal matters which organisations may face under the coverage of the Rural Protect policy rradar always considers the operational needs of the business as a whole and there s even a crisis line for the really critical times rradargrace The rradargrace app is also available under the Rural Protect policy and answers thousands of legal business related FAQs for policyholders whether on the go or in the office The voice activated app also delivers template procedures assessments and other useful documents drawn from rradarstation directly to a policyholder s phone smart device and helps policyholders to contact rradarstation too Reliable quick legal answers and resources when organisations need them rradarnews rradarnews also gives Rural Protect policyholders helpful up to date information on legal regulatory business technology and rradarservice news rradarnews includes regular easy to read updates which aim to help policyholders understand and manage risk within their organisation Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354 20 283_V1
01653 609090 enquires hbunderwriting co uk The Vines 29 Market Place Malton YO17 7LP www ruralprotect co uk Case Studies Rural Protect is a trading name of H B Underwriting Agency Ltd registered in England and Wales Number 09278745 Registered Office The Vines 29 Market Place Malton North Yorkshire YO17 7LP England Tel 01653 609090 HB Underwriting Agency Limited is authorised and regulated by the Financial Conduct Authority FRN Number 914354