Rural Protect Claims Case Studies : simplebooklet.com

Page 4

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_4_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_4_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_4_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_4_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t5_4_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_4_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_4_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_4_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_4_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.1px;} #ta_4_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #tb_4_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_4_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_4_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_4_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #tf_4_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tg_4_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_4_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.11px;} #ti_4_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_4_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_4_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.12px;} #tl_4_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_4_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_4_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_4_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_4_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_4_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.13px;} #tr_4_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.11px;} #ts_4_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tt_4_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_4_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_4_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tw_4_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tx_4_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_4_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tz_4_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t10_4_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t11_4_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.12px;} #t12_4_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_4_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.11px;} #t14_4_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_4_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t16_4_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_4_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_4_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t19_4_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;} #t1a_4_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} .s0_4_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cj_bv-8b33c165-;color:#648F3C;} .s1_4_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cj_bv-8b33c165-;color:#1E2B5F;} .s2_4_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cj_bv-8b33c165-;color:#4C4D4F;} .s3_4_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ck_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cj_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cj_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ck_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ck_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Natural energy supplier becomes victim of email interception When a natural energy supplier became a victim to fraudsters, which resulted in them paying over £29,000 into a fraudulent account, Rural Protect was there to reimburse them. Business type: Agricultural Contractor – Natural Energy Supplier Section of cover: Company Legal Liability Applicable cover: Third Party Fraud and Forgery Circumstance: Business became a victim of email interception. Legal fees value: £13,908 The scenario: The business was sent an invoice of £29,000 via email from their supplier which they picked up and went on to pay as normal. What happened? Unfortunately, what the business was unaware of was that the email from the supplier was intercepted by a hacker before it reached them, at which time the bank details within the invoice were altered, therefore resulting in them having paid into a fraudulent account. The business reported the matter to their bank however no funds were able to be recovered by their bank. The outcome: The business then turned to its Rural Protect policy which reimbursed the business up to the limit of cover that they had chosen. Had the business chosen a higher level of cover and one that matched the largest single electronic payment that could be made from their bank account, they would have been insured for the full amount of their loss.

Page 5

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_5_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_5_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_5_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t4_5_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_5_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_5_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_5_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_5_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_5_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_5_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.1px;} #tb_5_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_5_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.11px;} #td_5_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.09px;} #te_5_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_5_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.11px;} #tg_5_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.12px;} #th_5_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_5_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.1px;} #tj_5_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tk_5_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_5_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tm_5_bv-8b33c165-{left:216px;bottom:285px;letter-spacing:-0.11px;} #tn_5_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_5_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_5_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_5_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_5_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_5_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_5_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tu_5_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_5_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_5_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_5_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #ty_5_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #tz_5_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t10_5_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_5_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t12_5_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t13_5_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.13px;} #t14_5_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_5_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_5_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_5_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t18_5_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t19_5_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t1a_5_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1b_5_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1c_5_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.11px;} #t1d_5_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.12px;} #t1e_5_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.11px;} #t1f_5_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.11px;} #t1g_5_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1h_5_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} .s0_5_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cl_bv-8b33c165-;color:#648F3C;} .s1_5_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cl_bv-8b33c165-;color:#1E2B5F;} .s2_5_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cl_bv-8b33c165-;color:#4C4D4F;} .s3_5_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1cm_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cl_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cl_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1cm_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1cm_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Agricultural plant hire employee alleges discrimination The following case demonstrates how Rural Protect helped an agricultural plant hire business before the preliminary hearing of an employment tribunal when their employee brought forward a discrimination claim. Business type: Agricultural Plant Hire Section of cover: Employment Practices Liability Applicable cover: Claims by Employees Cover Circumstance: Alleged discrimination by an employee after going on maternity leave. Claim value: £9,441 The scenario: The employee made a claim to the employment tribunal for discrimination. They were alleging that the agricultural plant hire company breached pregnancy and maternity discrimination, Maternity and Parental Leave etc. Regulations 1999, Sex Discrimination Act 1975, and Disability Discrimination Act 1995. They also claimed that the business displayed less favourable treatment against them for being a part-time worker and also made unilateral changes to the terms and conditions of their employment and failed to issue a written statement of employment particulars. What happened? In this instance, the employer was asked to attend a preliminary hearing, which the tribunal can request if a case involves discrimination**. Through Rural Protect, rradar assisted the insured employer by issuing a response to the claim ahead of the preliminary hearing. In the meantime, they successfully negotiated a resolution with the employee. The outcome: As things had been resolved between both parties, the employee agreed to return to work and withdrew their claim which was then dismissed by the tribunal.

Page 6

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_6_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_6_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t3_6_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_6_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.12px;} #t5_6_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_6_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_6_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_6_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_6_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_6_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.1px;} #tb_6_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.11px;} #tc_6_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_6_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #te_6_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_6_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #tg_6_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #th_6_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_6_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.1px;} #tj_6_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tk_6_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_6_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_6_bv-8b33c165-{left:216px;bottom:257px;letter-spacing:-0.11px;} #tn_6_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_6_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_6_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tq_6_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_6_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.12px;} #ts_6_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tt_6_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.09px;} #tu_6_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tv_6_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tw_6_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_6_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_6_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_6_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_6_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t11_6_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_6_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t13_6_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_6_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.12px;} #t15_6_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_6_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_6_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_6_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t19_6_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1a_6_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1b_6_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.11px;} .s0_6_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cn_bv-8b33c165-;color:#648F3C;} .s1_6_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cn_bv-8b33c165-;color:#1E2B5F;} .s2_6_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cn_bv-8b33c165-;color:#4C4D4F;} .s3_6_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1co_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cn_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cn_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1co_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1co_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Mis-sold agricultural equipment his case highlights how Rural Protect’s Contractual Liability Cover protects businesses when agreements with suppliers break down. The cover ensured access to legal expertise and helped secure a positive resolution with minimal disruption. Business type: Agricultural Machinery and Grain Handling Equipment Section of cover: Company Legal Liability Applicable cover: Contractual Liability Cover Circumstance: Business sells agricultural equipment and purchased an elevator which was mis-sold by the supplier. Claim value: £5,109 The scenario: A business specialising in agricultural machinery and grain handling equipment purchased an elevator from a supplier to meet customer demand. The equipment was expected to meet agreed specifications and play a crucial role in ongoing operations. What happened? After purchase, the business discovered that the elevator had been mis-sold. It did not meet the promised specifications and was unsuitable for its intended purpose. The business therefore faced a contractual dispute with the supplier over misrepresentation and sought to recover associated losses. The outcome: With the support of rradar’s legal advisers, the business pursued the supplier for breach of contract and misrepresentation. The issue was resolved through negotiation, allowing the business to recover its losses without the need for court proceedings.

Page 7

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_7_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_7_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t3_7_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_7_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_7_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_7_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t7_7_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_7_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_7_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #ta_7_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_7_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #tc_7_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_7_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #te_7_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_7_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.11px;} #tg_7_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_7_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_7_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.1px;} #tj_7_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_7_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_7_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_7_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.11px;} #tn_7_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_7_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tp_7_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_7_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #tr_7_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_7_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tt_7_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.13px;} #tu_7_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tv_7_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_7_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #tx_7_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_7_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tz_7_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_7_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.13px;} #t11_7_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_7_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.11px;} #t13_7_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_7_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t15_7_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_7_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} .s0_7_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cp_bv-8b33c165-;color:#648F3C;} .s1_7_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cp_bv-8b33c165-;color:#1E2B5F;} .s2_7_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cp_bv-8b33c165-;color:#4C4D4F;} .s3_7_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1cq_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cp_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cp_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1cq_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1cq_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Infringement of copyright This example demonstrates the value of Rural Protect’s Infringement of Copyright Cover. Even small, unintentional uses of protected material can result in legal claims, and having cover in place ensures businesses receive expert advice and resolution support. Business type: Arable Farmer Section of cover: Company Legal Liability Applicable cover: Infringement of Copyright Cover Circumstance: Business pursued for using a third party’s copyrighted image in marketing material. Legal fees value: £2,663 The scenario: A potato growing business promoted its services using marketing materials that featured an image sourced online. The business believed the image to be free for commercial use and used it in good faith. What happened? The image’s rightful owner contacted the business, claiming copyright infringement and seeking compensation. The claim posed a reputational and financial risk, requiring legal intervention to avoid escalation. The outcome With legal support from rradar, the business negotiated a settlement of £700 and closed the matter swiftly. The process ensured compliance and prevented the situation from developing into a costly legal dispute.

Page 8

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_8_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_8_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_8_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_8_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_8_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_8_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t7_8_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_8_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_8_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_8_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.11px;} #tb_8_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_8_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_8_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_8_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.11px;} #tf_8_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tg_8_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #th_8_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_8_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_8_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_8_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.12px;} #tl_8_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_8_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_8_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_8_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_8_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_8_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_8_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_8_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tt_8_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_8_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_8_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tw_8_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tx_8_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_8_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_8_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #t10_8_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t11_8_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.13px;} #t12_8_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_8_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_8_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_8_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_8_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t17_8_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t18_8_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_8_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.09px;} #t1a_8_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.13px;} #t1b_8_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1c_8_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1d_8_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.11px;} #t1e_8_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} .s0_8_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cr_bv-8b33c165-;color:#648F3C;} .s1_8_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cr_bv-8b33c165-;color:#1E2B5F;} .s2_8_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cr_bv-8b33c165-;color:#4C4D4F;} .s3_8_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1cs_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cr_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cr_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1cs_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1cs_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Farm faces subsidy reduction due to inspection scheduling challenges When a farm delayed the inspection of its sheep as requested by the Agriculture and Rural Economy Directorate, it faced restrictions on the movement of its sheep and goats, as well as a cut in its subsidy. Business type: Arable Farmer Section of cover: Company Legal Liability Applicable cover: Other Wrongful Acts Circumstance: Non-compliance with an inspection requested by the Agriculture and Rural Economy Directorate (ARE). Legal fees value: £11,748 The scenario: The insured farm was facing an especially difficult harvest, made worse by the wet weather. They described it as the worst harvest they had experienced in their approximately 50 years of farming. During this period, the Agriculture and Rural Economy Directorate contacted them to schedule a sheep inspection for the following day. Given their situation, the farm informed the ARE that an inspection wouldn’t be possible at that time. They explained that, due to the unfavourable conditions, they had only a two-day window of decent weather to complete the harvest. What happened? Following their conversation, the farm received a letter from the ARE stating that they would be restricted from moving sheep or goats due to their non- compliance with the inspection request. The letter also stated that they would not receive subsidy payments for that calendar year. The outcome As a result of rradar’s support, the appeal was successful, and only a 5% reduction was applied to the subsidy payment, instead of the full 100%.

Page 9

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_9_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_9_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.1px;} #t3_9_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_9_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_9_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_9_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_9_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t8_9_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #t9_9_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_9_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tb_9_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_9_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #td_9_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.11px;} #te_9_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_9_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.1px;} #tg_9_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_9_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #ti_9_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.12px;} #tj_9_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tk_9_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_9_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_9_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tn_9_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_9_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_9_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_9_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.09px;} #tr_9_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_9_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_9_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_9_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.09px;} #tv_9_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tw_9_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_9_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_9_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.13px;} #tz_9_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t10_9_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_9_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t12_9_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_9_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t14_9_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t15_9_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t16_9_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t17_9_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t18_9_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t19_9_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.11px;} #t1a_9_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1b_9_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.11px;} #t1c_9_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1d_9_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1e_9_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} .s0_9_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ct_bv-8b33c165-;color:#648F3C;} .s1_9_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ct_bv-8b33c165-;color:#1E2B5F;} .s2_9_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ct_bv-8b33c165-;color:#4C4D4F;} .s3_9_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1cu_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ct_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ct_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1cu_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1cu_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Invoice intercepted by a fraudster This victim of fraud was able to receive reimbursement from Rural Protect for part of a payment they made into a fraudster’s account, that their bank could not recover. Business type: Arable Farmer Section of cover: Company Legal Liability Applicable cover: Third Party Fraud and Forgery Circumstance: Invoice intercepted by a fraudster. Legal fees value: £10,000 The scenario: The insured was interested in purchasing a Land Rover from a dealership in England. They made a visit to the dealership to view the vehicle and during the visit gave verbal confirmation that they would like to purchase it. While the insured is still in the dealership, the dealership emailed over the invoice to the insured. As the insured had seen the vehicle, was happy with it and had agreed to buy it, they made a call to their office and gave instructions to make a payment to the bank details provided on the invoice. What happened? A fraudster scammed the insured by intercepting the invoice and changing the bank details so that the money would be paid into the scammer’s account. A payment of £49,500 was made to the fraudulent account while the insured was still in the dealership. The insured and the dealership realised something was wrong when the payment had gone through from the insured’s bank account but nothing had been received by the dealership. The police were informed; they advised the insured to contact their bank as soon as possible to try and recover the money. The insured’s bank managed to recover

Page 10

Page 11

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_11_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_11_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_11_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_11_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_11_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_11_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.09px;} #t7_11_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t8_11_bv-8b33c165-{left:238px;bottom:665px;letter-spacing:-0.11px;} #t9_11_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_11_bv-8b33c165-{left:261px;bottom:611px;letter-spacing:-0.1px;} #tb_11_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_11_bv-8b33c165-{left:266px;bottom:556px;letter-spacing:-0.1px;} #td_11_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.11px;} #te_11_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tf_11_bv-8b33c165-{left:236px;bottom:475px;letter-spacing:-0.11px;} #tg_11_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #th_11_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_11_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.09px;} #tj_11_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_11_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.12px;} #tl_11_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_11_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_11_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_11_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.09px;} #tp_11_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_11_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_11_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_11_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tt_11_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_11_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_11_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tw_11_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tx_11_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.09px;} #ty_11_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_11_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_11_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t11_11_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_11_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t13_11_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_11_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_11_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_11_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_11_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_11_bv-8b33c165-{left:535px;bottom:312px;letter-spacing:-0.1px;} #t19_11_bv-8b33c165-{left:535px;bottom:285px;letter-spacing:-0.11px;} #t1a_11_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1b_11_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.11px;} #t1c_11_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1d_11_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1e_11_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} .s0_11_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cx_bv-8b33c165-;color:#648F3C;} .s1_11_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cx_bv-8b33c165-;color:#1E2B5F;} .s2_11_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cx_bv-8b33c165-;color:#4C4D4F;} .s3_11_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1cy_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cx_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cx_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1cy_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1cy_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Settling a contractual pursuit claim for £150,000 on behalf of a farmer This case concerned an arable farmer who had engaged a third-party contractor to drill maize seed and place fertiliser across 14 of his fields. Business type: Arable Farmer Section of cover: Company Legal Liability Applicable cover: Legal Pursuit Extension – Contract Disputes Circumstance: An arable farmer suffered a substantial loss after engaging a third- party contractor to drill maize seed and place fertiliser across 14 fields. Legal fees value: £48,000 The scenario: A maize grain farmer instructed an experienced agricultural and farm contractor to drill and place urea fertiliser into his seedbeds alongside the maize grain seeds. The contractor was instructed to drill approximately 265 acres of seeds and place fertiliser alongside the seeds over 14 fields across 4 different blocks of land. It was the contractor’s responsibility to identify where and how to correctly place the fertiliser and ensure it is placed at the right depth. As the crops began to emerge, it soon became apparent that there was a problem with the distribution as only half of the rows of maize grain had emerged. The farmer initially instructed his usual agronomist to investigate the seed and fertiliser. The agronomist concluded that the placement of the fertiliser by the contractor was either: too close to the grain unevenly distributed The farmer thereafter instructed an independent agronomist who concluded that the fertiliser had been placed too close to the seeds, in doing so, overdosing the seeds and causing toxicity.

Page 12

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_12_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_12_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_12_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.1px;} #t4_12_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t5_12_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_12_bv-8b33c165-{left:132px;bottom:720px;letter-spacing:-0.1px;} #t7_12_bv-8b33c165-{left:132px;bottom:692px;letter-spacing:-0.09px;} #t8_12_bv-8b33c165-{left:132px;bottom:665px;letter-spacing:-0.11px;} #t9_12_bv-8b33c165-{left:132px;bottom:638px;letter-spacing:-0.11px;} #ta_12_bv-8b33c165-{left:132px;bottom:611px;letter-spacing:-0.11px;} #tb_12_bv-8b33c165-{left:132px;bottom:584px;letter-spacing:-0.11px;} #tc_12_bv-8b33c165-{left:132px;bottom:556px;letter-spacing:-0.1px;} #td_12_bv-8b33c165-{left:132px;bottom:529px;letter-spacing:-0.11px;} #te_12_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_12_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_12_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_12_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.13px;} #ti_12_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tj_12_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tk_12_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tl_12_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tm_12_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tn_12_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #to_12_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tp_12_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #tq_12_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tr_12_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_12_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.09px;} #tt_12_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tu_12_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tv_12_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tw_12_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tx_12_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #ty_12_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #tz_12_bv-8b33c165-{left:535px;bottom:556px;letter-spacing:-0.11px;} #t10_12_bv-8b33c165-{left:535px;bottom:529px;letter-spacing:-0.1px;} #t11_12_bv-8b33c165-{left:535px;bottom:502px;letter-spacing:-0.11px;} #t12_12_bv-8b33c165-{left:535px;bottom:475px;letter-spacing:-0.11px;} #t13_12_bv-8b33c165-{left:535px;bottom:448px;letter-spacing:-0.1px;} #t14_12_bv-8b33c165-{left:535px;bottom:421px;letter-spacing:-0.11px;} #t15_12_bv-8b33c165-{left:535px;bottom:393px;letter-spacing:-0.1px;} #t16_12_bv-8b33c165-{left:535px;bottom:366px;letter-spacing:-0.11px;} #t17_12_bv-8b33c165-{left:535px;bottom:339px;letter-spacing:-0.1px;} #t18_12_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.13px;} #t19_12_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1a_12_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1b_12_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1c_12_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} .s0_12_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1cz_bv-8b33c165-;color:#648F3C;} .s1_12_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1c-_bv-8b33c165-;color:#4C4D4F;} .s2_12_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1cz_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1cz_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1cz_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1c-_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1c-_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Settling a contractual pursuit claim for £150,000 on behalf of a farmer As a result, the farmer incurred an estimated financial loss of over £160,000 and had to undertake: extra soil analysis to review the health of the soil additional weed control as weeds began to grow through the crops that didn’t emerge maize stubble clean up from the residue of plants left on the soil surface At this point, the farmer contacted their insurance broker to make a claim against the contractor. What happened? rradar was appointed following notification from the broker. Due to the monetary value of the claim, the case was allocated to rradar’s high- value commercial disputes team who recommended pursuing a claim against the contractor. The farmer shared his expected outcome of the case, and provided a range of settlement figures that he was prepared to accept. A senior rradar solicitor specialising in high-value commercial disputes drafted a letter of claim and it was sent to the contractor, outlining the case and detailing the losses sustained by the farmer as a result of the breach of contract. They also: drafted correspondence and engaged with the contractor engaged and instructed appropriate experts advised and agreed a case strategy with the farmer instructed and liaised with counsel negotiated settlement with the contractor’s legal representatives The outcome Through the support of rradar’s expertise, the case was settled for £150,000 without the need to issue proceedings, which aligned with the farmer’s expectations.

Page 13

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_13_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_13_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.11px;} #t3_13_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_13_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_13_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_13_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t7_13_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_13_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_13_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #ta_13_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_13_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tc_13_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_13_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #te_13_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.13px;} #tf_13_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tg_13_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.12px;} #th_13_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.09px;} #ti_13_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_13_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.11px;} #tk_13_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_13_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_13_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_13_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_13_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_13_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_13_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tr_13_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_13_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_13_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tu_13_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_13_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.13px;} #tw_13_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tx_13_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_13_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #tz_13_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #t10_13_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_13_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t12_13_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_13_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.13px;} #t14_13_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_13_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_13_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t17_13_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t18_13_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_13_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} .s0_13_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d0_bv-8b33c165-;color:#648F3C;} .s1_13_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d0_bv-8b33c165-;color:#1E2B5F;} .s2_13_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d0_bv-8b33c165-;color:#4C4D4F;} .s3_13_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1d1_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d0_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d0_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1d1_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1d1_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Recovering costs for a damaged automated gate When third party vehicles access working farms, even a momentary lapse in care can result in damage that disrupts security, access, and day to day operations. Business type: Arable Farmer Section of cover: Company Legal Liability Applicable cover: Pursuit (Property Damage) Circumstance: Farm gate post damaged by a third party. Legal fees value: £1,936 The scenario: Access to the farm relied on an automated gate positioned at a key entrance point. During a routine delivery, a third party lorry struck the gate post, rendering the automated system unusable and leaving the entrance compromised. Beyond the immediate physical damage, the farmer faced concerns around security, access control, and potential exposure to theft while the gate remained out of action. What happened? Responsibility for the damage lay with the delivery contractor, but recovery of repair costs was not straightforward without formal action. The damaged gate was not merely cosmetic; it formed part of the farm’s security and operational infrastructure. The outcome Rural Protect issued a formal letter of claim to the third party. Following negotiation, damages of £2,925 were successfully recovered, allowing the gate to be repaired promptly without financial loss to the insured.

Page 14

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_14_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_14_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.1px;} #t3_14_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_14_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_14_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_14_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_14_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_14_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_14_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #ta_14_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_14_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tc_14_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_14_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.11px;} #te_14_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.09px;} #tf_14_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_14_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #th_14_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #ti_14_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_14_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.11px;} #tk_14_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_14_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tm_14_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_14_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.11px;} #to_14_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_14_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_14_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_14_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_14_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.09px;} #tt_14_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tu_14_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_14_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_14_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_14_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_14_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_14_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t10_14_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_14_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t12_14_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t13_14_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t14_14_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t15_14_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t16_14_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_14_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t18_14_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t19_14_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t1a_14_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} .s0_14_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d2_bv-8b33c165-;color:#648F3C;} .s1_14_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d2_bv-8b33c165-;color:#1E2B5F;} .s2_14_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d2_bv-8b33c165-;color:#4C4D4F;} .s3_14_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1d3_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d2_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d2_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1d3_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1d3_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Buyer alleges horse was sold with defects When the purchaser of a horse sold by an equine stud business complained that the horse was sold to them with anatomic defects, Rural Protect were quick to step in and defend the business, proving that the horse was in good health at the time of the sale. Business type: Equine Stud Section of cover: Corporate Legal Liability Applicable cover: Contractual Liability Cover Circumstance: Horse buyer alleges anatomic defects were present prior to sale of horse. Legal fees value: £4,026 The scenario: The equine stud business sold a horse to the interested buyer who later on had to euthanise the horse due to a medical issue. What happened? Due to the loss of both their money and the horse, the buyer sought to bring a claim against the business, alleging that the horse was defective at the time of purchase and seeking a refund of the purchase price plus other losses that they have had to bear as a result of the horse being euthanised. The buyer also demanded the horse’s veterinary reports which the business would have had a record of prior to selling the horse. The outcome: Rural Protect successfully defended the business, proving that the animal was in fact in good health around the time of the same and therefore no compensation was due.

Page 15

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_15_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_15_bv-8b33c165-{left:98px;bottom:828px;letter-spacing:-0.11px;} #t3_15_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_15_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_15_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.1px;} #t6_15_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t7_15_bv-8b33c165-{left:238px;bottom:692px;letter-spacing:-0.11px;} #t8_15_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_15_bv-8b33c165-{left:261px;bottom:638px;letter-spacing:-0.1px;} #ta_15_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_15_bv-8b33c165-{left:266px;bottom:584px;letter-spacing:-0.11px;} #tc_15_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.11px;} #td_15_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.12px;} #te_15_bv-8b33c165-{left:235px;bottom:502px;letter-spacing:-0.11px;} #tf_15_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tg_15_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_15_bv-8b33c165-{left:261px;bottom:421px;letter-spacing:-0.12px;} #ti_15_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_15_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_15_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_15_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tm_15_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_15_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_15_bv-8b33c165-{left:502px;bottom:828px;letter-spacing:-0.1px;} #tp_15_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tq_15_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tr_15_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.13px;} #ts_15_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tt_15_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tu_15_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #tv_15_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tw_15_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #tx_15_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #ty_15_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #tz_15_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t10_15_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t11_15_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t12_15_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t13_15_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t14_15_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t15_15_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t16_15_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t17_15_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} .s0_15_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d4_bv-8b33c165-;color:#648F3C;} .s1_15_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d4_bv-8b33c165-;color:#1E2B5F;} .s2_15_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d4_bv-8b33c165-;color:#4C4D4F;} .s3_15_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1d5_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d4_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d4_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1d5_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1d5_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Negotiations over firearms licence Here, we explain the role Rural Protect played in representing the insured at their appeal hearing following a revoked firearms licence case. Business type: Equine Stud Section of cover: Personal Liability Applicable cover: Claims Against an Insured Person Circumstance: Defence appeals against the decision to refuse firearms renewal. Legal fees value: £13,015 The scenario: The policyholder, the defendant in this case, failed to comply with firearms regulations when they didn’t declare information relating to a matter that they were involved in previously, which was contrary to the conditions of applying for a firearm licence, resulting in the police refusing to renew their certificate. What happened? Due to the nature of the business, the insured requires a firearm licence to possess shotguns as they run an equine stud and need to be able to euthanise animals in an emergency if they are fatally injured. The business also hosts shoot- related events as they have a country venue for hire. The outcome: Rural Protect assisted in negotiations with the police for the certificate to be reinstated. The court’s appeal hearing was averted as rradar were able to resolve the issue with successful negotiations, resulting in the individual receiving their firearms certificate back.

Page 16

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_16_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_16_bv-8b33c165-{left:98px;bottom:828px;letter-spacing:-0.11px;word-spacing:-0.47px;} #t3_16_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_16_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.12px;} #t5_16_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_16_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_16_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_16_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_16_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #ta_16_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.11px;} #tb_16_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.11px;} #tc_16_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.08px;} #td_16_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_16_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.11px;} #tf_16_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tg_16_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #th_16_bv-8b33c165-{left:235px;bottom:421px;letter-spacing:-0.11px;} #ti_16_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_16_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tk_16_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_16_bv-8b33c165-{left:261px;bottom:312px;letter-spacing:-0.11px;} #tm_16_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_16_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_16_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_16_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_16_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_16_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_16_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_16_bv-8b33c165-{left:502px;bottom:828px;letter-spacing:-0.11px;} #tu_16_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tv_16_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.13px;} #tw_16_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tx_16_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #ty_16_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #tz_16_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #t10_16_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_16_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t12_16_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.12px;} #t13_16_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_16_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;word-spacing:-1.14px;} #t15_16_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_16_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.09px;} .s0_16_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d6_bv-8b33c165-;color:#648F3C;} .s1_16_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d6_bv-8b33c165-;color:#1E2B5F;} .s2_16_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d6_bv-8b33c165-;color:#4C4D4F;} .s3_16_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1d7_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d6_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d6_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1d7_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1d7_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Constructive dismissal claim This case highlights how Rural Protect’s Employment Practices Liability Cover protects employers from complex employment claims, including constructive dismissal disputes arising from operational changes. Business type: Racehorse Trainers Section of cover: Employment Practices Liability Applicable cover: Claims by Employees Cover Circumstance: Employee alleged constructive dismissal due to altered working hours. Legal fees value: £3,483 The scenario: Following a temporary adjustment of working hours to accommodate a partner’s accident, an employee claimed that workload pressures violated the agreement, leading to resignation and a constructive dismissal claim. The employee sought thousands of pounds in compensation. What happened? Rural Protect coordinated the defence and guided the employer through tribunal preparation. Evidence of agreed changes, communications, and workload expectations were collated. rradar advised on negotiation and legal strategy. The outcome: At tribunal, a much lower settlement was reached, considerably lower than the claim. The farm avoided a lengthy process and reputational risk.

Page 17

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_17_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_17_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_17_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_17_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_17_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_17_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_17_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_17_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_17_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_17_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_17_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tc_17_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_17_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #te_17_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_17_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.11px;} #tg_17_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #th_17_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_17_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.11px;} #tj_17_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tk_17_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_17_bv-8b33c165-{left:261px;bottom:312px;letter-spacing:-0.11px;} #tm_17_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_17_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_17_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_17_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_17_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_17_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_17_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_17_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tu_17_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_17_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tw_17_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tx_17_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_17_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_17_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_17_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t11_17_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_17_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_17_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_17_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_17_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_17_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_17_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_17_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t19_17_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1a_17_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.12px;} #t1b_17_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.11px;} #t1c_17_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1d_17_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1e_17_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1f_17_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.09px;} .s0_17_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d8_bv-8b33c165-;color:#648F3C;} .s1_17_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d8_bv-8b33c165-;color:#1E2B5F;} .s2_17_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d8_bv-8b33c165-;color:#4C4D4F;} .s3_17_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1d9_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d8_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d8_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1d9_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1d9_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Criminal investigation into a Breach of the Peace allegation Here, we tell you about how an insured farm estate was met with an investigation when a third party made allegations of Breach of the Peace, therefore requiring the estate’s Rural Protect policy to step in to help resolve the matter. Business type: Farm Estate Section of cover: Personal Liability Applicable cover: Claims Against an Insured Person Circumstance: Breach of the Peace investigation. Legal fees value: £5,653 The scenario: The insured farm estate faced an investigation into an allegation of a Breach of the Peace coming from a third party, as well as a separate but associated investigation by the police in relation to fitness to hold a firearms licence. What happened? A third party complained to the police about noise coming from the farm estate. The estate includes a shooting ground and is a private premise business with individuals within the business holding firearms licences to run sporting shoots. The complaint meant that firearms licences belonging to those running the business were subject to jeopardy. On top of that, a licence holder was already facing an investigation as to whether they were fit to be entrusted with a firearm. In instances like this, a revocation of both firearms and certificates would have a detrimental effect on the business being able to continue to run. The outcome: Rural Protect defended the matter with a successful resolution for the business and, in the end, no action was taken by the authorities and the individuals retained their firearms certificates.

Page 18

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_18_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_18_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.11px;} #t3_18_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;word-spacing:-0.47px;} #t4_18_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_18_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_18_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_18_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_18_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_18_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #ta_18_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_18_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tc_18_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_18_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #te_18_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #tf_18_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tg_18_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #th_18_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_18_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_18_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.1px;} #tk_18_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_18_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_18_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_18_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_18_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_18_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_18_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_18_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #ts_18_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_18_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tu_18_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tv_18_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_18_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_18_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.12px;} #ty_18_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #tz_18_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t10_18_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_18_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.09px;} .s0_18_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1da_bv-8b33c165-;color:#648F3C;} .s1_18_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1da_bv-8b33c165-;color:#1E2B5F;} .s2_18_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1da_bv-8b33c165-;color:#4C4D4F;} .s3_18_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1db_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1da_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1da_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1db_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1db_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } HMRC Aspect Enquiry – Personal Tax Return This case highlights how Rural Protect’s Tax Investigation Costs Cover assists individuals in responding to HMRC enquiries, ensuring compliance and avoiding unnecessary adjustments. Business type: Farm Estate Section of cover: Personal Liability Applicable cover: Tax Investigation Costs Cover Circumstance: HMRC Aspect Enquiry into a partner’s personal tax return Legal fees value: £1,763 The scenario: HMRC conducted an Aspect Enquiry on one partner’s personal tax return, specifically regarding Capital Gains Tax and other income. Information was requested about the disposal of land and additional income sources. What happened? Rural Protect assisted the partner in submitting accurate and comprehensive documentation. rradar liaised with HMRC, clarified records, and ensured all enquiries were addressed professionally. The outcome: HMRC accepted the submissions and closed the enquiry with no further action. The partner avoided additional tax liabilities or penalties.

Page 19

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_19_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_19_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t3_19_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t4_19_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_19_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t6_19_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t7_19_bv-8b33c165-{left:238px;bottom:665px;letter-spacing:-0.11px;} #t8_19_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #t9_19_bv-8b33c165-{left:261px;bottom:611px;letter-spacing:-0.1px;} #ta_19_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_19_bv-8b33c165-{left:266px;bottom:556px;letter-spacing:-0.1px;} #tc_19_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.11px;} #td_19_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.12px;} #te_19_bv-8b33c165-{left:235px;bottom:475px;letter-spacing:-0.1px;} #tf_19_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_19_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #th_19_bv-8b33c165-{left:216px;bottom:393px;letter-spacing:-0.11px;} #ti_19_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tj_19_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tk_19_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_19_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_19_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tn_19_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_19_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_19_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_19_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tr_19_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #ts_19_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tt_19_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tu_19_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tv_19_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #tw_19_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #tx_19_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #ty_19_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #tz_19_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t10_19_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t11_19_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_19_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t13_19_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t14_19_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t15_19_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} #t16_19_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t17_19_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t18_19_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t19_19_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1a_19_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.11px;} .s0_19_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dc_bv-8b33c165-;color:#648F3C;} .s1_19_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dc_bv-8b33c165-;color:#1E2B5F;} .s2_19_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dc_bv-8b33c165-;color:#4C4D4F;} .s3_19_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dd_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dc_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dc_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dd_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dd_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Farm shop scam Here, we explain the role Rural Protect played in helping a victim of fraud recover funds that were mistakenly paid into a fraudster’s bank account. Business type: Farm Shop Section of cover: Company Legal Liability Applicable cover: Third Party Fraud and Forgery Circumstance: The farm shop fell victim to an email interception scam. Claim value: £5,393 The scenario: A supplier sent an invoice to the farm shop for payment of their goods, a fraudster intercepted the invoice from the supplier and advised of a change of bank details. The fraudster then continued to chase the payment over various emails, purporting to be the supplier every time. What happened? The email chain was handled by two separate staff members and neither realised that they were continuously responding to a fraudster. A payment of £5,393 was made to the fraudulent account details by the two members of staff. The business only discovered that they had been victim to fraudulent activity when the genuine supplier contacted them chasing for payment on an invoice that was still outstanding. The outcome: Unfortunately, the farm shop’s bank was unable to recover the payment that had been made to the wrong account however, Rural Protect was able to reimburse the farm shop the full amount that was paid as the policyholder was covered against Third Party Fraud and Forgery.

Page 20

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_20_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_20_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_20_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_20_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_20_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_20_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_20_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_20_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_20_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_20_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #tb_20_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_20_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #td_20_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.12px;} #te_20_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tf_20_bv-8b33c165-{left:261px;bottom:475px;letter-spacing:-0.1px;} #tg_20_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #th_20_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #ti_20_bv-8b33c165-{left:266px;bottom:393px;letter-spacing:-0.11px;} #tj_20_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tk_20_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tl_20_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.12px;} #tm_20_bv-8b33c165-{left:235px;bottom:285px;letter-spacing:-0.1px;} #tn_20_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #to_20_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tp_20_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tq_20_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.09px;} #tr_20_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_20_bv-8b33c165-{left:216px;bottom:121px;letter-spacing:-0.1px;} #tt_20_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tu_20_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tv_20_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tw_20_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tx_20_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #ty_20_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tz_20_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #t10_20_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t11_20_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t12_20_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t13_20_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t14_20_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t15_20_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t16_20_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.09px;} #t17_20_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.11px;} #t18_20_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t19_20_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t1a_20_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t1b_20_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1c_20_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1d_20_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1e_20_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1f_20_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1g_20_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.11px;} #t1h_20_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1i_20_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.09px;} #t1j_20_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.11px;} .s0_20_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1de_bv-8b33c165-;color:#648F3C;} .s1_20_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1de_bv-8b33c165-;color:#1E2B5F;} .s2_20_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1de_bv-8b33c165-;color:#4C4D4F;} .s3_20_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1df_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1de_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1de_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1df_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1df_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Helping a farm and haulage company address issues with its fleet This case study sets out how rradar and Rural Protect offered vital support to a business that applied for another O licence which triggered a DVSA investigation and Traffic Commissioner public inquiry due to the company having previously been called to a public inquiry Business type: Farm and Haulage Company Section of cover: Company legal liability and Directors and Officers Applicable cover: Circumstance Investigation Costs Cover and Other Wrongful Acts Cover Circumstance: The cattle farm and haulage company was investigated by the DVSA and Traffic Commissioner when the business applied to add another vehicle to its O licence. Claim value: £15,000 – the policyholder was responsible for their excess of £2,500. The scenario: The insured company rears cattle for milking and meat and has contracts to collect milk from local producers and take to a depot/processing plant. As haulage contracts make up the bulk of the business, the business has a vehicle operator licence (O licence), which is required if goods vehicles are used in connection with a business. The company has a transport manager, which is a condition of an O licence and who must be qualified, with a Certificate of Professional Competence (CPC) The business applied to the DVSA to add another vehicle to its O licence, which triggered an investigation by the DVSA. Usually, such requests do not automatically lead to an investigation, however, this business had previously been called to a Traffic Commissioner public inquiry and so the DVSA felt an investigation was appropriate. DVSA officers carried out a desktop audit and visited the site to check specifically on vehicle maintenance.

Page 21

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_21_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_21_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_21_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.1px;} #t4_21_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_21_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_21_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t7_21_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_21_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_21_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #ta_21_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #tb_21_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.08px;} #tc_21_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.13px;} #td_21_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.11px;} #te_21_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tf_21_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_21_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.09px;} #th_21_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_21_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_21_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_21_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_21_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_21_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.12px;} #tn_21_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_21_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_21_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_21_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_21_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_21_bv-8b33c165-{left:535px;bottom:801px;letter-spacing:-0.11px;} #tt_21_bv-8b33c165-{left:535px;bottom:774px;letter-spacing:-0.1px;} #tu_21_bv-8b33c165-{left:535px;bottom:747px;letter-spacing:-0.11px;} #tv_21_bv-8b33c165-{left:535px;bottom:720px;letter-spacing:-0.1px;} #tw_21_bv-8b33c165-{left:535px;bottom:692px;letter-spacing:-0.1px;} #tx_21_bv-8b33c165-{left:535px;bottom:665px;letter-spacing:-0.1px;} #ty_21_bv-8b33c165-{left:535px;bottom:638px;letter-spacing:-0.11px;} #tz_21_bv-8b33c165-{left:535px;bottom:611px;letter-spacing:-0.11px;} #t10_21_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.12px;} #t11_21_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_21_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t13_21_bv-8b33c165-{left:535px;bottom:475px;letter-spacing:-0.1px;} #t14_21_bv-8b33c165-{left:535px;bottom:448px;letter-spacing:-0.09px;} #t15_21_bv-8b33c165-{left:535px;bottom:421px;letter-spacing:-0.1px;} #t16_21_bv-8b33c165-{left:535px;bottom:393px;letter-spacing:-0.11px;} #t17_21_bv-8b33c165-{left:535px;bottom:366px;letter-spacing:-0.1px;} #t18_21_bv-8b33c165-{left:535px;bottom:339px;letter-spacing:-0.1px;} #t19_21_bv-8b33c165-{left:535px;bottom:312px;letter-spacing:-0.1px;} .s0_21_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dg_bv-8b33c165-;color:#648F3C;} .s1_21_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dh_bv-8b33c165-;color:#4C4D4F;} .s2_21_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dg_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dg_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dg_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dh_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dh_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Helping a farm and haulage company address issues with its fleet Following the investigation, the business and the transport manager were called to attend another Traffic Commissioner public inquiry. The Traffic Commissioner has the power to amend, suspend or revoke O licences. They can decide the transport manager is no longer of ‘good repute’ and be declared unfit to carry on in the role. What happened? The DVSA found that there was confusion over who had the contracts to maintain vehicles and a lack of record keeping. They queried if onsite facilities were sufficient for maintenance, had concerns about whether drivers were doing the appropriate checks to ensure they were fit to drive, and saw a lack of evidence that wheel checks and break testing had been performed. Upon receiving a letter from the Office of the Traffic Commissioner calling them to a public inquiry, the insured business contacted Rural Protect’s legal partners, rradar, who supported the business by: help gather evidence and information for the public inquiry, including a witness statement the appointment of a barrister supporting the business at the public inquiry by helping it express remorse and explain what measures it had taken to enhance its compliance The outcome: Since the inquiry, the Traffic Commissioner’s Office has: asked the business to reduce the size of its fleet to make it easier for the business to get back on track in terms of compliance agreed to another audit in due course. If this audit proved satisfactory, no further action would be taken

Page 22

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_22_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_22_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_22_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_22_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_22_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.1px;} #t6_22_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_22_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_22_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_22_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #ta_22_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_22_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tc_22_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.11px;} #td_22_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_22_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.11px;} #tf_22_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.09px;} #tg_22_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_22_bv-8b33c165-{left:266px;bottom:421px;letter-spacing:-0.11px;} #ti_22_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.12px;} #tj_22_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tk_22_bv-8b33c165-{left:236px;bottom:339px;letter-spacing:-0.11px;} #tl_22_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tm_22_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_22_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.11px;} #to_22_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_22_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_22_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_22_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_22_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.09px;} #tt_22_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tu_22_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_22_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_22_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tx_22_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_22_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_22_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t10_22_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_22_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.12px;} #t12_22_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_22_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t14_22_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_22_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_22_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_22_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t18_22_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t19_22_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} .s0_22_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1di_bv-8b33c165-;color:#648F3C;} .s1_22_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1di_bv-8b33c165-;color:#1E2B5F;} .s2_22_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1di_bv-8b33c165-;color:#4C4D4F;} .s3_22_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dj_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1di_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1di_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dj_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dj_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Former holiday cottage employee claims for disability and sex discrimination Having Rural Protect meant that a holiday cottage proprietor was able to settle a claim for a significantly lower amount than the value brought forward by a former employee who was claiming against the insured employer for disability and sex discrimination. Business type: Holiday Cottage Proprietor Section of cover: Employment Practices Liability Applicable cover: Claims by Employees Cover Circumstance: Former employee claims for disability and sex discrimination. Legal fees value: £7,336 The scenario: A former housekeeper and cleaner filed a complaint and claim against a holiday cottage proprietor for discrimination against their disability and sex. What happened? The holiday cottage proprietor did not accept that the claimant had a disability and went on to defend themselves in court, with help from rradar, as they were covered by Rural Protect. To hear all of the evidence from both parties, a four-day hearing was fixed for this case. The outcome: Due to the low value of this claim, it was determined that the more economical outcome for this case was to consider a settlement rather than proceed to a tribunal. The sum of £1,500 (the equivalent of the insured holiday cottage proprietor’s excess) was settled for the claimant.

Page 23

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_23_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_23_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.1px;} #t3_23_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_23_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t5_23_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_23_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_23_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_23_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_23_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.1px;} #ta_23_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #tb_23_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_23_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_23_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_23_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #tf_23_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tg_23_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #th_23_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_23_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_23_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.11px;} #tk_23_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_23_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_23_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_23_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_23_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_23_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_23_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_23_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_23_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_23_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tu_23_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_23_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_23_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_23_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.13px;} #ty_23_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_23_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_23_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t11_23_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t12_23_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_23_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.12px;} #t14_23_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_23_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_23_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t17_23_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t18_23_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_23_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1a_23_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_23_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.09px;} .s0_23_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dk_bv-8b33c165-;color:#648F3C;} .s1_23_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dk_bv-8b33c165-;color:#1E2B5F;} .s2_23_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dk_bv-8b33c165-;color:#4C4D4F;} .s3_23_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dl_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dk_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dk_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dl_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dl_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Stable landlord pursues tenant for outstanding rent Having Rural Protect meant that a stable landlord was able to recover all of their losses when a tenant decided to vacate the premises without notice or the outstanding rent payments. Business type: Agricultural Property Landlord Section of cover: Company Legal Liability Applicable cover: Pursuit Circumstance: Landlord needed to pursue the tenant for outstanding rent. Legal fees value: £3,237 The scenario: The insured landlord owned stables which they rented out to a tenant. The tenant decided to vacate the premises before the expiration of their contract and without giving notice, which meant the landlord was left with rent that remained unpaid as well as payments that were due for dilapidation. Although the initial deposit covered some of the amounts that the landlord was owed, they still wanted to pursue the tenant for the remaining sum. What happened? Rural Protect assisted the insured landlord at a small claims court hearing against the defendant for non-payment of their rent and obtained a sum of £2,000 for damages to the stables, plus interest. The outcome: As part of the court judgment, the tenant was ordered to pay an additional £3,211 as a contribution towards the legal costs and court fees that the landlord had incurred to pursue this matter, which meant, with help from Rural Protect’s defence team, the landlord was able to recover all of their losses.

Page 24

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_24_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_24_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_24_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_24_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_24_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_24_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_24_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_24_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_24_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_24_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.11px;} #tb_24_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_24_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_24_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_24_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.11px;} #tf_24_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tg_24_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_24_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.11px;} #ti_24_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_24_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_24_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.12px;} #tl_24_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_24_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_24_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_24_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_24_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_24_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_24_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #ts_24_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_24_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_24_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tv_24_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_24_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_24_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_24_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_24_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_24_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.12px;} #t11_24_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_24_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_24_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_24_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_24_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_24_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} .s0_24_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dm_bv-8b33c165-;color:#648F3C;} .s1_24_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dm_bv-8b33c165-;color:#1E2B5F;} .s2_24_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dm_bv-8b33c165-;color:#4C4D4F;} .s3_24_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dn_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dm_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dm_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dn_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dn_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Restrictive covenant breach – claims against an insured person Rural Protect’s Claims Against an Insured Person Cover provided critical protection when personal liability was at stake. The cover ensured the insured could access professional legal defence in a challenging and technical dispute. Business type: Land and Property Owner Section of cover: Personal Liability Applicable cover: Claims Against an Insured Person Circumstance: Alleged breach of restrictive covenant following land sale. Legal fees value: £43,030 The scenario: A land and property owner sold part of their land to a third party under an agreement that included restrictive covenants controlling how the property could be used in the future. What happened? Following the sale, a dispute emerged over alleged breaches of those covenants. The claimant pursued the insured person for non-compliance, and further disagreement arose regarding legal costs. The complexity of the case required experienced representation to defend the insured’s position. The outcome: The insured person received full legal support from rradar to contest the claim and address the cost dispute. The case concluded successfully, with the insured avoiding significant financial loss and protecting their reputation.

Page 25

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_25_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_25_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t3_25_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_25_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_25_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t6_25_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_25_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_25_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_25_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_25_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_25_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #tc_25_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_25_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #te_25_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_25_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #tg_25_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #th_25_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_25_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.1px;} #tj_25_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_25_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_25_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_25_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.11px;} #tn_25_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_25_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tp_25_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_25_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_25_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_25_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tt_25_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_25_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_25_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tw_25_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_25_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_25_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_25_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_25_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t11_25_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t12_25_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_25_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t14_25_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_25_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_25_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_25_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t18_25_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t19_25_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;} .s0_25_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1do_bv-8b33c165-;color:#648F3C;} .s1_25_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1do_bv-8b33c165-;color:#1E2B5F;} .s2_25_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1do_bv-8b33c165-;color:#4C4D4F;} .s3_25_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dp_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1do_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1do_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dp_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dp_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Local authority investigation costs This case shows how Rural Protect’s Investigation Costs Cover provides valuable support when regulatory or Local Authority issues arise. Access to professional legal expertise ensured the business could manage the process confidently and avoid unnecessary fines. Business type: Land and Property Owner Section of cover: Personal Liability Applicable cover: Investigation Costs Cover Circumstance: Business investigated by Local Authority for farm operations and compliance. Legal fees value: £1,552 The scenario: A land and property owner came under investigation by the Local Authority regarding aspects of their farming operations. The enquiry concerned compliance with local regulations and required the business to respond formally to a series of detailed questions. What happened? The business faced potential penalties, including a Fixed Penalty Notice (FPN), if it failed to demonstrate compliance. The investigation process required clear communication and documentation to ensure the matter was resolved appropriately. The outcome: Working with specialist legal advisers at rradar, the business responded effectively to all Local Authority enquiries. Their cooperation and compliance helped resolve the investigation without penalty or enforcement action.

Page 26

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_26_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_26_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.08px;} #t3_26_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;word-spacing:-1.58px;} #t4_26_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;word-spacing:-1.58px;} #t5_26_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;word-spacing:-0.95px;} #t6_26_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_26_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_26_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_26_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_26_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #tb_26_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_26_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #td_26_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_26_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #tf_26_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_26_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #th_26_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_26_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_26_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.11px;} #tk_26_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tl_26_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.09px;} #tm_26_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_26_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.1px;} #to_26_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tp_26_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_26_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_26_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;word-spacing:-0.76px;} #ts_26_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_26_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tu_26_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_26_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.09px;} #tw_26_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tx_26_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_26_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_26_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_26_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t11_26_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t12_26_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_26_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_26_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_26_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.12px;} #t16_26_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t17_26_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} #t18_26_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_26_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1a_26_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_26_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1c_26_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1d_26_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.09px;} .s0_26_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dq_bv-8b33c165-;color:#648F3C;} .s1_26_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dq_bv-8b33c165-;color:#1E2B5F;} .s2_26_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dq_bv-8b33c165-;color:#4C4D4F;} .s3_26_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dr_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dq_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dq_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dr_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dr_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Dispute with commercial solicitors over fees This case demonstrates how Rural Protect’s Contractual Liability Cover can assist land and property owners when disputes arise with professional service providers. The cover ensured that negotiations could take place with expert guidance, avoiding unnecessary litigation. Business type: Land and Property Owner Section of cover: Company Legal Liability Applicable cover: Contractual Liability Cover Circumstance: Dispute over excessive and unauthorised fees from commercial solicitors. Legal fees value: £6,205 The scenario: The business had engaged commercial solicitors to provide professional services, but additional fees were added that the business considered excessive and unauthorised. The disagreement threatened to escalate into a costly dispute. What happened? Rural Protect, through rradar, intervened to negotiate with the solicitors. The intervention reduced the financial burden on the business and prevented further escalation. The negotiation ensured that the business could resolve the dispute professionally without the need for court proceedings. The outcome: A reduced settlement was reached, safeguarding the business from unnecessary legal costs and preserving the relationship with their professional advisors. This case highlights how Contractual Liability Cover provides access to expert negotiation and dispute resolution.

Page 27

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_27_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_27_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.11px;} #t3_27_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;word-spacing:-1.58px;} #t4_27_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;word-spacing:-0.95px;} #t5_27_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_27_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.12px;} #t7_27_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_27_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_27_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #ta_27_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_27_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tc_27_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_27_bv-8b33c165-{left:264px;bottom:529px;letter-spacing:-0.09px;word-spacing:0.01px;} #te_27_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_27_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.11px;} #tg_27_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #th_27_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_27_bv-8b33c165-{left:238px;bottom:393px;letter-spacing:-0.11px;} #tj_27_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tk_27_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_27_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tm_27_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.1px;} #tn_27_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_27_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_27_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_27_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tr_27_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_27_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.11px;} #tt_27_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tu_27_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #tv_27_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tw_27_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.09px;} #tx_27_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.13px;} #ty_27_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_27_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #t10_27_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t11_27_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t12_27_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_27_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_27_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;word-spacing:-0.91px;} #t15_27_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_27_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t17_27_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;word-spacing:-2.28px;} #t18_27_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.12px;} #t19_27_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t1a_27_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;} #t1b_27_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1c_27_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1d_27_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.11px;} #t1e_27_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1f_27_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.09px;} .s0_27_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ds_bv-8b33c165-;color:#648F3C;} .s1_27_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ds_bv-8b33c165-;color:#1E2B5F;} .s2_27_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ds_bv-8b33c165-;color:#4C4D4F;} .s3_27_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dt_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ds_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ds_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dt_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dt_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Alleged breaches of restrictive covenant This case demonstrates how Rural Protect’s claims against an insured person cover safeguards land and property owners when neighbour disputes escalate over legal covenants, protecting both property rights and financial exposure. Business type: Land and Property Owner Section of cover: Personal Liability Applicable cover: Claims Against an Insured Person Circumstance: Neighbour alleged breaches of restrictive covenants after land sale. Legal fees value: £42,310 The scenario: A parcel of land had been sold from one neighbour to another, with restrictive covenants included in the sale agreement to govern access and usage. After the sale, the new owner allegedly breached these covenants, prompting claims for damages from the neighbouring property owner. The dispute threatened to escalate into costly litigation. What happened? Rural Protect coordinated legal defence, reviewing the sale agreement, covenants, and correspondence. Rradar guided the insured on evidencing compliance with the covenants, liaised with the neighbour’s legal team, and monitored costs to ensure efficiency. Strategic decisions were taken to negotiate before any court proceedings commenced. The outcome: The matter was defended successfully, with the costs awarded reduced, and a resolution reached that protected the farm’s interests and finances. The cover prevented an expensive, protracted dispute while ensuring legal guidance at every stage.

Page 28

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_28_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_28_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_28_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_28_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t5_28_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_28_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_28_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t8_28_bv-8b33c165-{left:238px;bottom:665px;letter-spacing:-0.09px;} #t9_28_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_28_bv-8b33c165-{left:261px;bottom:611px;letter-spacing:-0.1px;} #tb_28_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_28_bv-8b33c165-{left:266px;bottom:556px;letter-spacing:-0.1px;} #td_28_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.12px;} #te_28_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #tf_28_bv-8b33c165-{left:236px;bottom:475px;letter-spacing:-0.1px;} #tg_28_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #th_28_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_28_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_28_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_28_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.12px;} #tl_28_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_28_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tn_28_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_28_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_28_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_28_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_28_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_28_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tt_28_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_28_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_28_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tw_28_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tx_28_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_28_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_28_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_28_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_28_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_28_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.09px;} #t13_28_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_28_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_28_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_28_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t17_28_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.08px;} #t18_28_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.12px;} #t19_28_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1a_28_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1b_28_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.11px;} #t1c_28_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1d_28_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1e_28_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1f_28_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1g_28_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} .s0_28_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1du_bv-8b33c165-;color:#648F3C;} .s1_28_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1du_bv-8b33c165-;color:#1E2B5F;} .s2_28_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1du_bv-8b33c165-;color:#4C4D4F;} .s3_28_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dv_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1du_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1du_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dv_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dv_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Settling a legal dispute arising from the sale of an unfit horse This case study demonstrates how Rural Protect settled a legal dispute for a livery that unknowingly sold an unfit horse. Business type: Livery Stable Section of cover: Company Legal Liability Applicable cover: Contractual Liability Cover Circumstance: Rural Protect provided the legal defence to a livery following their sale of a horse that was unknowingly not fit for purpose. Legal fees value: £23,225 The scenario: A buyer approached the livery to purchase one of their horses. The livery agreed to the sale and the horse was sold to the buyer for £4,000. Additionally, the livery verbally assured the buyer that the horse could be returned if needed. What happened? After the purchase, while the horse was in the buyer’s possession, the buyer suspected something was wrong. A vet confirmed that the horse had spinal issues and was unfit for riding. Based on this discovery, the buyer attempted to return the horse, but the livery refused, despite their alleged prior verbal agreement. This prompted the buyer to file a claim against the livery, leading to a legal dispute over the horse’s fitness. The buyer also sought damages, aiming not only to recover the purchase price, but also to cover additional costs incurred, such as vet bills. The outcome: At the court trial, the judge ruled out the buyer’s claim for additional damages as these were not substantiated. The judge also ordered that the buyer return the horse to the livery in return for the price they paid. Rural protect supported the insured livery with legal defence and compensated £23,225 in legal costs.

Page 29

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_29_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_29_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_29_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_29_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_29_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_29_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_29_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_29_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_29_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_29_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tb_29_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_29_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #td_29_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #te_29_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.1px;} #tf_29_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.12px;} #tg_29_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #th_29_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.11px;} #ti_29_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_29_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tk_29_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_29_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.12px;} #tm_29_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_29_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_29_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_29_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tq_29_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.12px;} #tr_29_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.11px;} #ts_29_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tt_29_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.13px;} #tu_29_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tv_29_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tw_29_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_29_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #ty_29_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tz_29_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_29_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t11_29_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.13px;} #t12_29_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_29_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_29_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_29_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_29_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} #t17_29_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_29_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t19_29_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;} .s0_29_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1dw_bv-8b33c165-;color:#648F3C;} .s1_29_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dw_bv-8b33c165-;color:#1E2B5F;} .s2_29_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1dw_bv-8b33c165-;color:#4C4D4F;} .s3_29_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1dx_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1dw_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1dw_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1dx_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1dx_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Family land dispute We demonstrate how Rural Protect’s Contractual Liability Cover supported a business through a complex and emotionally charged legal situation, providing clarity and professional representation when family and business interests overlapped. Business type: Livestock Farmer Section of cover: Company Legal Liability Applicable cover: Contractual Liability Cover Circumstance: Dispute between family members over land occupation and tenancy agreement requirements. Legal fees value: £10,810 The scenario: A family-run livestock farm encountered a dispute between relatives over the right to occupy family-owned land. One family member wanted to remove another from the property, prompting disagreement over tenancy obligations. What happened? The disagreement centred on a tenancy agreement that required twelve months’ notice before changes in occupation could occur. When the process was not followed correctly, one party challenged the removal, resulting in a contractual dispute between family members. The outcome With professional legal guidance from rradar, the farming family navigated the sensitive dispute and reached a resolution without escalating the matter to court. The process preserved family relationships while ensuring that the tenancy agreement terms were properly understood and respected.

Page 30

Page 31

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_31_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_31_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t3_31_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_31_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_31_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_31_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_31_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t8_31_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_31_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.09px;} #ta_31_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_31_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #tc_31_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_31_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #te_31_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_31_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.11px;} #tg_31_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_31_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_31_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.11px;} #tj_31_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tk_31_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_31_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.1px;} #tm_31_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_31_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_31_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_31_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_31_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_31_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_31_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tt_31_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_31_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_31_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tw_31_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.13px;} #tx_31_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_31_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tz_31_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_31_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t11_31_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_31_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_31_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.11px;} #t14_31_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.11px;} #t15_31_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_31_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t17_31_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;word-spacing:-1.52px;} #t18_31_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;word-spacing:-0.57px;} #t19_31_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1a_31_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;word-spacing:-1.14px;} #t1b_31_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.13px;} #t1c_31_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.11px;} #t1d_31_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;word-spacing:-0.46px;} #t1e_31_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1f_31_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1g_31_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} .s0_31_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1d-_bv-8b33c165-;color:#648F3C;} .s1_31_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d-_bv-8b33c165-;color:#1E2B5F;} .s2_31_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1d-_bv-8b33c165-;color:#4C4D4F;} .s3_31_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e0_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1d-_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1d-_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e0_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e0_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Land dispute with a neighbour This case highlights how Rural Protect’s Circumstance Investigation Costs Cover protects livestock farmers when ownership disputes arise over land. The cover provided access to experienced solicitors and oversight from rradar, ensuring a resolution that avoided costly litigation. Business type: Livestock Farmer Section of cover: Company Legal Liability Applicable cover: Circumstance Investigation Costs Cover Circumstance: Ownership dispute over a piece of land between two neighbours. Legal fees value: £5,831 The scenario: The farm became involved in a land dispute with a neighbour over the ownership of a parcel of land. Both parties claimed it, creating tension and threats that had the potential to escalate into formal legal proceedings. The business needed to resolve the matter efficiently, protect their interests, and avoid unnecessary legal costs. What happened? Under the Rural Protect policy, the farm’s own solicitor, familiar with the land and its history, was approved to handle the matter. rradar oversaw the legal actions and costs to ensure the strategy was both effective and cost-efficient. The solicitor managed correspondence, clarified boundaries, and documented the farm’s claims. By involving the solicitor who knew the particulars of the land, the farm leveraged specialised local knowledge while Rural Protect oversaw the matter to ensure the engagement complied with policy terms. The outcome The dispute was resolved before any litigation was required. The farm ceased receiving threats over the land, and ownership was clarified in a manner acceptable to both parties.

Page 32

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_32_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_32_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_32_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.59px;} #t4_32_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_32_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_32_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_32_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t8_32_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #t9_32_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_32_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tb_32_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_32_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #td_32_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.11px;} #te_32_bv-8b33c165-{left:236px;bottom:475px;letter-spacing:-0.11px;} #tf_32_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_32_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.09px;} #th_32_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #ti_32_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.1px;} #tj_32_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tk_32_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tl_32_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_32_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tn_32_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_32_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_32_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.13px;} #tq_32_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tr_32_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_32_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_32_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_32_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tv_32_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_32_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_32_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.13px;} #ty_32_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #tz_32_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t10_32_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_32_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.09px;} .s0_32_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1e1_bv-8b33c165-;color:#648F3C;} .s1_32_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e1_bv-8b33c165-;color:#1E2B5F;} .s2_32_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e1_bv-8b33c165-;color:#4C4D4F;} .s3_32_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e2_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1e1_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1e1_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e2_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e2_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Neighbour nuisance – flooded fields This case demonstrates how Rural Protect’s Pursuit Cover supports livestock farmers in disputes where a neighbour’s actions cause damage to property through flooded fields. Business type: Livestock Farmer Section of cover: Company Legal Liability Applicable cover: Pursuit Cover Circumstance: Neighbour blocked a gutter with rocks, causing flooding to fields. Legal fees value: £7,518 The scenario: A neighbour allowed rubble to accumulate in a watercourse, resulting in flooding on the farm during heavy rainfall. The farm sought compensation for the damage and to prevent future nuisance. What happened? Rural Protect assisted the farm in pursuing a claim. Expert reports were commissioned to establish the cause of the flooding and link it to the neighbour’s actions. The neighbour removed the debris voluntarily, avoiding court proceedings. The outcome The matter was resolved without litigation, and no further flooding issues arose. Rural Protect ensured that the farm could assert its rights efficiently.

Page 33

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_33_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_33_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_33_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.59px;} #t4_33_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_33_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_33_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t7_33_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t8_33_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #t9_33_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_33_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tb_33_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_33_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.11px;} #td_33_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_33_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_33_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #tg_33_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_33_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #ti_33_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.1px;} #tj_33_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tk_33_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_33_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_33_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_33_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_33_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_33_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.07px;} #tq_33_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.13px;} #tr_33_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_33_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_33_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tu_33_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tv_33_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_33_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_33_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_33_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_33_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.13px;} #t10_33_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_33_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_33_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_33_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.11px;} #t14_33_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t15_33_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t16_33_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} .s0_33_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1e3_bv-8b33c165-;color:#648F3C;} .s1_33_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e3_bv-8b33c165-;color:#1E2B5F;} .s2_33_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e3_bv-8b33c165-;color:#4C4D4F;} .s3_33_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e4_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1e3_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1e3_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e4_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e4_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Animal welfare prosecution This case demonstrates how Rural Protect’s cover protects livestock farmers from criminal prosecution claims, even when incidents are triggered by third-party activism. Business type: Livestock Farmer Section of cover: Personal Liability Applicable cover: Claims Against an Insured Person Circumstance: Criminal prosecution arising from animal welfare issues. Legal fees value: £32,830 The scenario: Undercover animal rights activists recorded farm staff handling sheep. The footage was used to allege mistreatment and trigger a criminal investigation, creating both reputational and financial risk. What happened? Rural Protect, via rradar, coordinated the legal defence, reviewed footage, and gathered supporting evidence of standard handling practices. Expert advice ensured the farm’s response was robust and within legal frameworks. Plea strategy was developed to minimise liability while acknowledging procedural challenges. The outcome The accused tendered a guilty plea to a reduced charge, resulting in a fine. The court acknowledged that activist behaviour amounted to entrapment, but it did not meet the threshold for full acquittal. The farm avoided more severe consequences and reputational harm.

Page 34

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_34_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_34_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_34_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.59px;} #t4_34_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_34_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_34_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_34_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t8_34_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.11px;} #t9_34_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_34_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tb_34_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_34_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #td_34_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_34_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_34_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #tg_34_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_34_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #ti_34_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.1px;} #tj_34_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tk_34_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tl_34_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tm_34_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tn_34_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_34_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_34_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_34_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.13px;} #tr_34_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_34_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;word-spacing:-1.14px;} #tt_34_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_34_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;word-spacing:-0.91px;} #tv_34_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tw_34_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #tx_34_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_34_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.09px;} #tz_34_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.13px;} #t10_34_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t11_34_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_34_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;word-spacing:-1.14px;} #t13_34_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} .s0_34_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1e5_bv-8b33c165-;color:#648F3C;} .s1_34_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e5_bv-8b33c165-;color:#1E2B5F;} .s2_34_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e5_bv-8b33c165-;color:#4C4D4F;} .s3_34_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e6_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1e5_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1e5_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e6_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e6_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } BCMS cattle passport query This case demonstrates how Rural Protect ensures livestock farmers can respond confidently to regulatory queries, protecting both compliance and reputation. Business type: Livestock Farmer Section of cover: Company Legal Liability Applicable cover: Investigation Costs Cover Circumstance: British Cattle Movement Service queried cattle passports. Legal fees value: £2,179 The scenario: The British Cattle Movement Service (BCMS) raised questions about several cattle passports held by a livestock farm. Without proper documentation, the farm risked fines, disruption to sales, and potential regulatory penalties. What happened? Rural Protect liaised with BCMS, represented the farm’s interests, and reviewed all passport records. Rradar ensured the farm submitted the required documents accurately and promptly, preventing escalation. Communication was carefully managed to satisfy the authority’s queries. The outcome All passports were returned without penalties. The farm avoided disruption to livestock sales and maintained regulatory compliance.

Page 35

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_35_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_35_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.1px;word-spacing:-0.47px;} #t3_35_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_35_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_35_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;word-spacing:-1.58px;} #t6_35_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_35_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t8_35_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #t9_35_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.11px;} #ta_35_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_35_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #tc_35_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_35_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #te_35_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_35_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.1px;} #tg_35_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_35_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #ti_35_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.1px;} #tj_35_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tk_35_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_35_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_35_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_35_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_35_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tp_35_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_35_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.09px;} #tr_35_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #ts_35_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_35_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_35_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tv_35_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;word-spacing:-1.14px;} #tw_35_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_35_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_35_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.09px;} #tz_35_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.13px;} #t10_35_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_35_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t12_35_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_35_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_35_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.09px;} .s0_35_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1e7_bv-8b33c165-;color:#648F3C;} .s1_35_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e7_bv-8b33c165-;color:#1E2B5F;} .s2_35_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e7_bv-8b33c165-;color:#4C4D4F;} .s3_35_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e8_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1e7_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1e7_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e8_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e8_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Veterinary negligence – castrated bulls This case illustrates how Rural Protect’s Pursuit Cover can recover losses when negligence by a vet affects livestock, demonstrating the importance of cover in high-value livestock farming operations. Business type: Livestock Farmer Section of cover: Company Legal Liability Applicable cover: Pursuit Cover Circumstance: Bulls scarred following infection after castration. Legal fees value: £5,218 The scenario: Forty-two bulls were castrated by a local veterinary practice. Unfortunately, all developed infections that left permanent scarring, significantly reducing their resale value. The farm sought compensation for the diminished value of the affected livestock. What happened? Rural Protect pursued the veterinary practice for negligence and breach of contract. Expert reports were commissioned to establish liability and quantify losses. Rradar oversaw the legal process to ensure efficiency and cost control. The outcome The veterinary insurer made an ex-gratia payment to compensate for losses. While liability was formally denied, the farm was reimbursed, protecting its financial position.

Page 36

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_36_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_36_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_36_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_36_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_36_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_36_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_36_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_36_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_36_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_36_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.11px;} #tb_36_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_36_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_36_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_36_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #tf_36_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tg_36_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_36_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.1px;} #ti_36_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #tj_36_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.09px;} #tk_36_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_36_bv-8b33c165-{left:261px;bottom:312px;letter-spacing:-0.12px;} #tm_36_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_36_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_36_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_36_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_36_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_36_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_36_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_36_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tu_36_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #tv_36_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.09px;} #tw_36_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tx_36_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #ty_36_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #tz_36_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_36_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_36_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t12_36_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_36_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_36_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.09px;} #t15_36_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t16_36_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t17_36_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} #t18_36_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_36_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1a_36_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_36_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.11px;} #t1c_36_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1d_36_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1e_36_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.11px;} #t1f_36_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1g_36_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} .s0_36_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1e9_bv-8b33c165-;color:#648F3C;} .s1_36_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e9_bv-8b33c165-;color:#1E2B5F;} .s2_36_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1e9_bv-8b33c165-;color:#4C4D4F;} .s3_36_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ea_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1e9_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1e9_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ea_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ea_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Helping a family-run farm handle a pollution incident When slurry from a farm accidentally entered a nearby river, the Environment Agency decided to intervene. This case study outlines how Rural Protect and rradar provided crucial support to the farm during this challenging period. Business type: Cattle and Poultry Farm Section of cover: Company Legal Liability Applicable cover: Investigations Costs and Pollution Clean-up Costs Circumstance: A family-run farm is investigated by the Environment Agency after their slurry pollutes a local river. Legal fees value: £30,000 The scenario: The insured farm had two slurry pits, referred to as ‘lagoons,’ which were connected by a pipe. Slurry was typically transferred between the lagoons via this pipe, a process that usually took 30 minutes. However, during one transfer, the slurry was left running for approximately an hour, causing an overspill in one lagoon. Upon becoming aware of the issue, the client immediately stopped the transfer and dispatched two tankers to withdraw slurry from the overspilling lagoon. Additionally, a digger was used to create two emergency trenches, diverting the slurry flow into a field and away from a nearby river. Slurry levels were quickly stabilised in both lagoons. The client conducted two visual checks of the river at intervals a few hours apart and observed no immediate signs of pollutants. Believing the issue to be contained, the client did not report the incident to the relevant authorities. Later that evening, the Environment Agency contacted the client, reporting that residents of a village approximately 1 km downstream had noticed the river was ‘frothing,’ emitting a pungent smell, and showing signs of water discolouration.

Page 37

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_37_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_37_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_37_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.13px;} #t4_37_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_37_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.1px;} #t6_37_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t7_37_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t8_37_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_37_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #ta_37_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_37_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_37_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_37_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_37_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_37_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #tg_37_bv-8b33c165-{left:132px;bottom:393px;letter-spacing:-0.1px;} #th_37_bv-8b33c165-{left:132px;bottom:366px;letter-spacing:-0.11px;} #ti_37_bv-8b33c165-{left:132px;bottom:339px;letter-spacing:-0.1px;} #tj_37_bv-8b33c165-{left:132px;bottom:312px;letter-spacing:-0.1px;} #tk_37_bv-8b33c165-{left:132px;bottom:285px;letter-spacing:-0.1px;} #tl_37_bv-8b33c165-{left:132px;bottom:257px;letter-spacing:-0.1px;} #tm_37_bv-8b33c165-{left:132px;bottom:230px;letter-spacing:-0.1px;} #tn_37_bv-8b33c165-{left:132px;bottom:203px;letter-spacing:-0.1px;} #to_37_bv-8b33c165-{left:132px;bottom:176px;letter-spacing:-0.1px;} #tp_37_bv-8b33c165-{left:132px;bottom:149px;letter-spacing:-0.1px;} #tq_37_bv-8b33c165-{left:132px;bottom:121px;letter-spacing:-0.11px;} #tr_37_bv-8b33c165-{left:132px;bottom:94px;letter-spacing:-0.11px;} #ts_37_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.12px;} #tt_37_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #tu_37_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #tv_37_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #tw_37_bv-8b33c165-{left:535px;bottom:502px;letter-spacing:-0.1px;} #tx_37_bv-8b33c165-{left:535px;bottom:475px;letter-spacing:-0.11px;} #ty_37_bv-8b33c165-{left:535px;bottom:448px;letter-spacing:-0.1px;} #tz_37_bv-8b33c165-{left:535px;bottom:421px;letter-spacing:-0.11px;} #t10_37_bv-8b33c165-{left:535px;bottom:393px;letter-spacing:-0.1px;} #t11_37_bv-8b33c165-{left:535px;bottom:366px;letter-spacing:-0.1px;} #t12_37_bv-8b33c165-{left:535px;bottom:339px;letter-spacing:-0.1px;} #t13_37_bv-8b33c165-{left:535px;bottom:312px;letter-spacing:-0.1px;} #t14_37_bv-8b33c165-{left:535px;bottom:285px;letter-spacing:-0.1px;} #t15_37_bv-8b33c165-{left:535px;bottom:257px;letter-spacing:-0.1px;} #t16_37_bv-8b33c165-{left:535px;bottom:230px;letter-spacing:-0.11px;} #t17_37_bv-8b33c165-{left:535px;bottom:203px;letter-spacing:-0.1px;} #t18_37_bv-8b33c165-{left:535px;bottom:176px;letter-spacing:-0.11px;} #t19_37_bv-8b33c165-{left:535px;bottom:149px;letter-spacing:-0.11px;} #t1a_37_bv-8b33c165-{left:535px;bottom:121px;letter-spacing:-0.1px;} #t1b_37_bv-8b33c165-{left:535px;bottom:94px;letter-spacing:-0.11px;} #t1c_37_bv-8b33c165-{left:535px;bottom:801px;letter-spacing:-0.11px;} #t1d_37_bv-8b33c165-{left:535px;bottom:774px;letter-spacing:-0.11px;} #t1e_37_bv-8b33c165-{left:535px;bottom:747px;letter-spacing:-0.1px;} #t1f_37_bv-8b33c165-{left:535px;bottom:720px;letter-spacing:-0.1px;} #t1g_37_bv-8b33c165-{left:535px;bottom:692px;letter-spacing:-0.11px;} .s0_37_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1eb_bv-8b33c165-;color:#648F3C;} .s1_37_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1eb_bv-8b33c165-;color:#4C4D4F;} .s2_37_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ec_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1eb_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1eb_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ec_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ec_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Helping a family-run farm handle a pollution incident What happened? The Environment Agency investigated the site the next day and identified a direct pathway of slurry from the farm into the river. Several fish were allegedly killed by the resulting pollution. The Environment Agency confirmed its ‘intention to invoice’ and recover costs for their investigation. They requested the client attend an interview under caution, which can be a step before prosecution. The client contacted Rural Protect’s Legal partner rradar who provided: Essential next step advice immediately over the phone. Confirmation that rradar’s legal representative would visit the farm to provide further support. The enlisting of a barrister should the farm be criminally prosecuted. This can ensure continuity of support should the matter reach the courts. rradar’s legal team helped the client respond to all the correspondence from the Environment Agency and The outcome: A final decision on whether the farm will be criminally prosecuted is awaited. Since the incident, the client has: Carried out a slurry risk assessment. Introduced new slurry management measures. This includes installing a 600mm bund around one lagoon as an extra protection against overspills. Introduced a timer system to alert when slurry transfer has been going for the usual 30 minutes. Filled a ditch that sits between the farm and the river with hay to filter out contaminants from run-off. Applied for planning permission to put a concrete extension to the new bund around a lagoon. Introduced a natural reed bed between the yard and ditch. were able to persuade the agency to accept a statement under caution instead of the client attending an interview, which rradar’s legal team helped prepare and submit.

Page 38

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_38_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_38_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.1px;} #t3_38_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_38_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_38_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_38_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_38_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_38_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_38_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_38_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_38_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #tc_38_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_38_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #te_38_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_38_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.11px;} #tg_38_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_38_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.1px;} #ti_38_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_38_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tk_38_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tl_38_bv-8b33c165-{left:261px;bottom:312px;letter-spacing:-0.12px;} #tm_38_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_38_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_38_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_38_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_38_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_38_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_38_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_38_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tu_38_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #tv_38_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_38_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tx_38_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_38_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_38_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.12px;} #t10_38_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_38_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t12_38_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t13_38_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_38_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_38_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_38_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_38_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t18_38_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} .s0_38_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ed_bv-8b33c165-;color:#648F3C;} .s1_38_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ed_bv-8b33c165-;color:#1E2B5F;} .s2_38_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ed_bv-8b33c165-;color:#4C4D4F;} .s3_38_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ee_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ed_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ed_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ee_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ee_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Fatal accident on a farmyard involving a moving tractor This case study demonstrates how Rural Protect helped ease stress and financial damage for the insured directors by paying their legal costs and HSE intervention fees when they were prosecuted under Section 2 of the Health & Safety at Work Act 1974. Business type: Dairy Farmer Section of cover: Company Legal Liability Applicable cover: Wrongful Acts Circumstance: Fatal accident in a farmyard due to a worker falling in front of a moving tractor. Legal fees value: £43,728 The scenario: The Health and Safety Executive (HSE) started investigations as there was a breach of health and safety law at a dairy farm when a fatal accident occurred involving an employee who walked in front of a moving tractor. What happened? A prosecution case was brought forward under Section 2 of the Health & Safety at Work Act 1974 and the directors were faced with a fine of £100,000. The insured directors pleaded guilty. The outcome: The insured directors were assisted financially by Rural Protect which covered £7,678 worth of prosecution costs incurred by the prosecutor to pursue the matter, £30,000 of court fees, and £6,050 of HSE’s Fee for Intervention. With help from rradar’s defence team and financial backing from Rural Protect, the dairy farm business was able to continue trading.

Page 39

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_39_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_39_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.11px;} #t3_39_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_39_bv-8b33c165-{left:296px;bottom:801px;letter-spacing:-0.1px;word-spacing:-2.37px;} #t5_39_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t6_39_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t7_39_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t8_39_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t9_39_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #ta_39_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #tb_39_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tc_39_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.11px;} #td_39_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #te_39_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #tf_39_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tg_39_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.1px;} #th_39_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #ti_39_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #tj_39_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.11px;} #tk_39_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tl_39_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tm_39_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tn_39_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.1px;} #to_39_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tp_39_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #tq_39_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tr_39_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #ts_39_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tt_39_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.11px;} #tu_39_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tv_39_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.13px;} #tw_39_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;word-spacing:-0.91px;} #tx_39_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_39_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_39_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #t10_39_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #t11_39_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t12_39_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t13_39_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t14_39_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t15_39_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t16_39_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.12px;} #t17_39_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;word-spacing:-0.91px;} #t18_39_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t19_39_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t1a_39_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;word-spacing:-1.14px;} #t1b_39_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1c_39_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1d_39_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} .s0_39_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ef_bv-8b33c165-;color:#648F3C;} .s1_39_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ef_bv-8b33c165-;color:#1E2B5F;} .s2_39_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ef_bv-8b33c165-;color:#4C4D4F;} .s3_39_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1eg_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ef_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ef_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1eg_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1eg_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Pollution incident – contaminated water This case shows how Rural Protect’s Pollution Claims Cover can help dairy farmers manage environmental risks. The cover funded clean-up efforts, representation, and regulatory liaison, ensuring compliance with the Environment Agency. Business type: Dairy Farmer Section of cover: Company Legal Liability Applicable cover: Pollution Claims Cover & Pollution Claims Clean-up Costs Cover Circumstance: Contractors working for the farm caused contaminated water to enter a nearby stream. Legal fees value: £26,508 The scenario: Contractors working for the farm allowed contaminated water to flow into a nearby stream. The Environment Agency visited to investigate the incident, and the farm sought guidance to ensure compliance and mitigate environmental damage. What happened? The business contacted rradar’s crisis line. Rural Protect arranged for professional oversight and funded the clean-up. Steps were taken to prevent further contamination, and advice from the Environment Agency was followed. The cover ensured that the farm’s interests were represented and that any costs arising from the clean-up were handled through the policy. The outcome: The farm complied with the EA’s requirements, the incident was resolved, and no enforcement action was taken. Rural Protect’s involvement ensured a swift and professional resolution, protecting both the farm’s finances and reputation.

Page 40

Page 41

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_41_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_41_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_41_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.1px;} #t4_41_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_41_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_41_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_41_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_41_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_41_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_41_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #tb_41_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tc_41_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_41_bv-8b33c165-{left:238px;bottom:529px;letter-spacing:-0.1px;} #te_41_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_41_bv-8b33c165-{left:264px;bottom:475px;letter-spacing:-0.1px;} #tg_41_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #th_41_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #ti_41_bv-8b33c165-{left:269px;bottom:393px;letter-spacing:-0.1px;} #tj_41_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tk_41_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.09px;} #tl_41_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_41_bv-8b33c165-{left:236px;bottom:285px;letter-spacing:-0.11px;} #tn_41_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #to_41_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.09px;} #tp_41_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_41_bv-8b33c165-{left:261px;bottom:176px;letter-spacing:-0.12px;} #tr_41_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_41_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_41_bv-8b33c165-{left:98px;bottom:67px;letter-spacing:-0.1px;} #tu_41_bv-8b33c165-{left:506px;bottom:801px;letter-spacing:-0.11px;} #tv_41_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tw_41_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tx_41_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.09px;} #ty_41_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.12px;} #tz_41_bv-8b33c165-{left:506px;bottom:638px;letter-spacing:-0.1px;} #t10_41_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_41_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t12_41_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t13_41_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t14_41_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t15_41_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t16_41_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.11px;} #t17_41_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t18_41_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.11px;} #t19_41_bv-8b33c165-{left:506px;bottom:339px;letter-spacing:-0.1px;} #t1a_41_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t1b_41_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1c_41_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1d_41_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1e_41_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1f_41_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1g_41_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.11px;} #t1h_41_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} #t1i_41_bv-8b33c165-{left:502px;bottom:94px;letter-spacing:-0.1px;} #t1j_41_bv-8b33c165-{left:502px;bottom:67px;letter-spacing:-0.1px;} .s0_41_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ej_bv-8b33c165-;color:#648F3C;} .s1_41_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ej_bv-8b33c165-;color:#1E2B5F;} .s2_41_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ej_bv-8b33c165-;color:#4C4D4F;} .s3_41_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ek_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ej_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ej_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ek_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ek_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Legal pursuit following police chase causing loss of livestock This case highlights the benefit of having cover for pursuit claims where there is a good prospect of success. Complex multi-party actions can be prohibitively expensive without support. Rural Protect ensured this farmer could access legal expertise, with no financial burden beyond their policy terms. Business type: Dairy Farmer Section of Cover: Company Legal Liability – Legal Pursuit Extension Applicable Cover: Trespass, nuisance, person removal and property damage cover Circumstance: Property damage caused by a police chase through farmland, resulting in loss of cattle. Legal fees value: £52,808 The Scenario: A high-speed police chase cut through the insured’s farm, causing significant property damage and distress to livestock. As a result, several high-value cattle had to be euthanised, causing financial loss to the dairy farmer. What Happened: The chase, involving a driver fleeing from police, led to the destruction of fences and land, with cattle injured and ultimately destroyed. The farmer, faced with high costs to reinstate the property and replace the livestock, sought legal recourse against the Police, the driver, a motor insurer, and the Motor Insurance Bureau. The Outcome: Rural Protect appointed expert legal representation to pursue damages on behalf of the insured. The matter progressed towards trial but was successfully settled before final hearings. The insured did not have to contribute financially towards the case and was also compensated for the losses sustained due to the destroyed cattle (note that the value of this compensation is separate from the recovery of legal costs).

Page 42

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_42_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_42_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.11px;} #t3_42_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_42_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_42_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.1px;} #t6_42_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_42_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t8_42_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_42_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_42_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #tb_42_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.11px;} #tc_42_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #td_42_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.11px;} #te_42_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_42_bv-8b33c165-{left:238px;bottom:475px;letter-spacing:-0.12px;} #tg_42_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_42_bv-8b33c165-{left:261px;bottom:421px;letter-spacing:-0.1px;} #ti_42_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_42_bv-8b33c165-{left:266px;bottom:366px;letter-spacing:-0.1px;} #tk_42_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_42_bv-8b33c165-{left:236px;bottom:312px;letter-spacing:-0.11px;} #tm_42_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tn_42_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #to_42_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.12px;} #tp_42_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_42_bv-8b33c165-{left:261px;bottom:176px;letter-spacing:-0.11px;} #tr_42_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_42_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_42_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tu_42_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_42_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.09px;} #tw_42_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_42_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_42_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_42_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t10_42_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_42_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t12_42_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t13_42_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.13px;} #t14_42_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_42_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_42_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_42_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.12px;} #t18_42_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t19_42_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t1a_42_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_42_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} .s0_42_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1el_bv-8b33c165-;color:#648F3C;} .s1_42_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1el_bv-8b33c165-;color:#1E2B5F;} .s2_42_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1el_bv-8b33c165-;color:#4C4D4F;} .s3_42_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1em_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1el_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1el_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1em_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1em_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Recovering loss of sheep costs from dog owners This case study illustrates how an insured business sought compensation after its sheep were killed by a third party dog and how Rural Protect assisted in tracing the responsible dog’s owner and recovered the costs for the sheep farmer. This demonstrates the role that Rural Protect plays in extracting compensation when a third party is liable and how it helps cover costs to support the policyholder. Business type: Sheep Farmer Section of cover: Company Legal Liability Applicable cover: Pursuit Circumstance: The insured business wished to recover costs for the loss of their sheep against a third-party dog owner. Legal fees value: £4,767 The scenario: A third party’s dog was not on a lead and consequently mixed with the farmer’s sheep. The insured business suffered significant losses after their livestock were worried and injured by the dog, resulting in the death of some of flock valued at £4,000. The business required assistance to help track down the evasive culprit, the dog owner in this case, to pursue compensation for the death of their major business assets. What happened? Rural Protect covered the fees for the tracing agency and assisted the police in identifying the dog owner. The outcome: Once the dog owners were found, Rural Protect agreed a settlement out of court covering the value of the sheep and other sundry costs incurred by the policyholder.

Page 43

Page 44

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_44_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_44_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;word-spacing:-1.58px;} #t3_44_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.79px;} #t4_44_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_44_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_44_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.12px;} #t7_44_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_44_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #t9_44_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.11px;} #ta_44_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_44_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #tc_44_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_44_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #te_44_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.12px;} #tf_44_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #tg_44_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.1px;} #th_44_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #ti_44_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tj_44_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.1px;} #tk_44_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tl_44_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tm_44_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #tn_44_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_44_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_44_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_44_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.13px;} #tr_44_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;word-spacing:-0.91px;} #ts_44_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tt_44_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_44_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tv_44_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_44_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;word-spacing:-1.14px;} #tx_44_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_44_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.12px;} #tz_44_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t10_44_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t11_44_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t12_44_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.09px;} .s0_44_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ep_bv-8b33c165-;color:#648F3C;} .s1_44_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ep_bv-8b33c165-;color:#1E2B5F;} .s2_44_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ep_bv-8b33c165-;color:#4C4D4F;} .s3_44_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1eq_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ep_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ep_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1eq_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1eq_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Pig transport investigation This case demonstrates how Rural Protect’s Investigation Costs Cover supports pig farmers during regulatory inquiries, helping them navigate complex compliance requirements. Business type: Pig Farmer Section of cover: Company Legal Liability Applicable cover: Investigation Costs Cover Circumstance: 14 pigs dead on arrival at abattoir; further 12 had to be euthanised. Legal fees value: £2,486 The scenario: County Council Trading Standards investigated the transport of pigs after several animals arrived at the abattoir in poor condition. Potential penalties and reputational damage were at stake. What happened? Rural Protect assisted by preparing a detailed written response to Trading Standards, outlining transport conditions, animal welfare protocols, and corrective actions. Rradar liaised with authorities to demonstrate compliance and limit exposure. The outcome: No further action was taken against the farm or driver. Investigation Costs Cover ensured expert support and reduced stress for the farm.

Page 45

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_45_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_45_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_45_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_45_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.1px;} #t5_45_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_45_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_45_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_45_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_45_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_45_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.11px;} #tb_45_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_45_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.11px;} #td_45_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_45_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #tf_45_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tg_45_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #th_45_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #ti_45_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tj_45_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.11px;} #tk_45_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_45_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.1px;} #tm_45_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tn_45_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #to_45_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_45_bv-8b33c165-{left:261px;bottom:203px;letter-spacing:-0.11px;} #tq_45_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tr_45_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_45_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_45_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tu_45_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_45_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_45_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_45_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.09px;} #ty_45_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.13px;} #tz_45_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_45_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_45_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t12_45_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t13_45_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t14_45_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.11px;} #t15_45_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_45_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.12px;} #t17_45_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t18_45_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_45_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t1a_45_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_45_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1c_45_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1d_45_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} .s0_45_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1er_bv-8b33c165-;color:#648F3C;} .s1_45_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1er_bv-8b33c165-;color:#1E2B5F;} .s2_45_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1er_bv-8b33c165-;color:#4C4D4F;} .s3_45_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1es_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1er_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1er_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1es_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1es_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } HSE FFI following an investigation after a fall from height The HSE Fee For Intervention can be costly; this case is an example of how Rural Protect helped ease stress and financial damage for a poultry farmer by covering the costs of these fees following an incident in which an employee fell from a wooden crate at height. Business type: Poultry Farmer Section of cover: Company Legal Liability Applicable cover: Investigation Costs Cover Circumstance: An unannounced visit by HSE resulting in a Fee For Intervention following an incident in which a business partner sustained serious injury after falling from height. Legal fees value: £1,262 The scenario: The Health and Safety Executive (HSE) paid an unannounced visit to a poultry farm on three occasions to investigate potential breaches of health and safety law after an employee fell off a wooden crate at height and sustained serious injuries. What happened? Following the accident, the business made their RIDDOR notification, and the premises were visited unannounced by HSE. After a further two more inspections, HSE were satisfied that the farm could have done nothing more to prevent the accident. The outcome: The insured business was assisted financially by Rural Protect which covered £1,262 Fee For Intervention charged by the HSE. With help from Rural Protect, the poultry farm in question were relieved of financial pressures when the policy covered these fees.

Page 46

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_46_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_46_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_46_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t4_46_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_46_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_46_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t7_46_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t8_46_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.12px;} #t9_46_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_46_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.09px;} #tb_46_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_46_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #td_46_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.11px;} #te_46_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tf_46_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.1px;} #tg_46_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_46_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #ti_46_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_46_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_46_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_46_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.11px;} #tm_46_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_46_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #to_46_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_46_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_46_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_46_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #ts_46_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.09px;} #tt_46_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tu_46_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tv_46_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tw_46_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_46_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.09px;} #ty_46_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.13px;} #tz_46_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t10_46_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t11_46_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t12_46_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t13_46_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t14_46_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.12px;} #t15_46_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t16_46_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t17_46_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t18_46_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} .s0_46_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1et_bv-8b33c165-;color:#648F3C;} .s1_46_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1et_bv-8b33c165-;color:#1E2B5F;} .s2_46_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1et_bv-8b33c165-;color:#4C4D4F;} .s3_46_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1eu_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1et_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1et_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1eu_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1eu_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Firearms licence revoked The following case demonstrates how an insured farmer was assisted and represented by Rural Protect in their appeal process when their firearms licence was revoked by the police. Business type: Mixed Farmer Section of cover: Personal Liability Applicable cover: Claims against an insured person Circumstance: Rural Protect assisted and represented an insured farmer in the appeal application against the police’s decision to revoke their firearms and shotgun licence. Legal fees value: £4,271 The scenario: The farmer, who uses their shotgun for bird shoots, euthanasia of injured livestock, etc, was due their shotgun licence renewal. As shotgun licences are renewed annually, if there is a change in the licence holder’s circumstances or information, the police are in a position to decide that the renewal of that person’s licence is not appropriate, which was the case in this instance. What happened? Not having the ability to use the shotgun would impact the aforementioned tasks for the farmer, therefore they decided to appeal the police’s decision to revoke their firearms and shotgun licence. The outcome: Rural Protect represented and assisted the individual in the appeal application and the appeal was successful with conditions.

Page 47

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_47_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_47_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_47_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_47_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_47_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_47_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.1px;} #t7_47_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_47_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.1px;} #t9_47_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.08px;} #ta_47_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_47_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.12px;} #tc_47_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_47_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #te_47_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_47_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.1px;} #tg_47_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #th_47_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_47_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.11px;} #tj_47_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #tk_47_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_47_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tm_47_bv-8b33c165-{left:268px;bottom:285px;letter-spacing:-0.11px;} #tn_47_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_47_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_47_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_47_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tr_47_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #ts_47_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_47_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tu_47_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tv_47_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tw_47_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tx_47_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #ty_47_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_47_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_47_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t11_47_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t12_47_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.12px;} #t13_47_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t14_47_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t15_47_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t16_47_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.1px;} #t17_47_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.12px;} #t18_47_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t19_47_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.11px;} #t1a_47_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} #t1b_47_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t1c_47_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1d_47_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1e_47_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.1px;} #t1f_47_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1g_47_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.11px;} .s0_47_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ev_bv-8b33c165-;color:#648F3C;} .s1_47_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ev_bv-8b33c165-;color:#1E2B5F;} .s2_47_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ev_bv-8b33c165-;color:#4C4D4F;} .s3_47_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ew_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ev_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ev_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ew_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ew_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Settling a financial loss of £4,000 from a fraudulent transaction This case study demonstrates how an insured business purchased machinery worth £4,000 from a seller on eBay who had in fact forged their identity to commit fraud, and reveals the role Rural Protect played in settling the financial loss. Business type: Mixed Farmer Section of cover: Company Legal Liability Applicable cover: Third-Party Fraud & Forgery Circumstance: The insured business purchased £4,000 worth of equipment from a fraudster. Total claim value: £5,439 The scenario: The insured business came across a seller on eBay and purchased £4,000 plus VAT worth of machinery from them. All communications between buyer and seller were carried out outside of eBay and the business made the payment to the seller via BACS, without the security of eBay’s Buyer Protection. What happened? Later, when the machinery was not delivered, the business realised that the eBay seller was a fraud and was forging the identity and details of another business to advertise false products. When the business demanded reimbursement, eBay refused, stating they could not help as the final transaction had not been carried out within the safety of their website. The outcome: The business reported this transaction to their bank and attempted to recover the funds that way but unfortunately their bank was unable to help as they had willingly transferred the money. The business then turned to their Rural Protect policy which intervened and helped the policyholder financially by reimbursing the amount lost.

Page 48

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_48_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_48_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.09px;} #t3_48_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_48_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_48_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.12px;} #t6_48_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_48_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_48_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_48_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #ta_48_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_48_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.12px;} #tc_48_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_48_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.1px;} #te_48_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.1px;} #tf_48_bv-8b33c165-{left:266px;bottom:475px;letter-spacing:-0.1px;} #tg_48_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #th_48_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.11px;} #ti_48_bv-8b33c165-{left:236px;bottom:393px;letter-spacing:-0.1px;} #tj_48_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tk_48_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tl_48_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_48_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.12px;} #tn_48_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_48_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tp_48_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_48_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_48_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_48_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.11px;} #tt_48_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_48_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_48_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tw_48_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_48_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #ty_48_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_48_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t10_48_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t11_48_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_48_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_48_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_48_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.12px;} #t15_48_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_48_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_48_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t18_48_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t19_48_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.1px;} .s0_48_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ex_bv-8b33c165-;color:#648F3C;} .s1_48_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ex_bv-8b33c165-;color:#1E2B5F;} .s2_48_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ex_bv-8b33c165-;color:#4C4D4F;} .s3_48_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1ey_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ex_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ex_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1ey_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1ey_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Investigation into a workplace accident involving a telescopic handler When a company’s telescopic handler rolled over and injured the employee who was using it, the HSE commenced investigating the matter. This case study shows how Rural Protect intervened and supported the insured business. Business type: Mixed Farmer Section of cover: Company Legal Liability Applicable cover: Investigation costs cover Circumstance: A telescopic handler tipped over and rolled whilst being used by an employee of the business. Legal & Investigation fees value: £21,486 The scenario: An employee of the insured company was operating a telescopic handler when it tipped and rolled over, resulting in an ankle injury. The injured employee decided to escalate the matter, prompting intervention by the Health and Safety Executive (HSE). What happened? The HSE launched an investigation to determine whether any health and safety regulations had been breached. Upon concluding the investigation, the HSE found that the business had taken all reasonable steps to prevent such an incident and decided not to take further action. The outcome: rradar, the commercial law firm appointed under Rural Protect acted for the insured to defend the matter and their costs as well as the HSE’s Fee for Intervention were met by Rural Protect.

Page 49

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_49_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_49_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.1px;} #t3_49_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;} #t4_49_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;} #t5_49_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.1px;} #t6_49_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_49_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.1px;} #t8_49_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.1px;} #t9_49_bv-8b33c165-{left:238px;bottom:638px;letter-spacing:-0.12px;} #ta_49_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #tb_49_bv-8b33c165-{left:261px;bottom:584px;letter-spacing:-0.1px;} #tc_49_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #td_49_bv-8b33c165-{left:266px;bottom:529px;letter-spacing:-0.1px;} #te_49_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.11px;} #tf_49_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.11px;} #tg_49_bv-8b33c165-{left:236px;bottom:448px;letter-spacing:-0.11px;} #th_49_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #ti_49_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.1px;} #tj_49_bv-8b33c165-{left:261px;bottom:366px;letter-spacing:-0.11px;} #tk_49_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_49_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tm_49_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_49_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #to_49_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_49_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tq_49_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tr_49_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #ts_49_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tt_49_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tu_49_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #tv_49_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tw_49_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.11px;} #tx_49_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #ty_49_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.12px;} #tz_49_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t10_49_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.11px;} #t11_49_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t12_49_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t13_49_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t14_49_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t15_49_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.1px;} #t16_49_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} #t17_49_bv-8b33c165-{left:502px;bottom:285px;letter-spacing:-0.11px;} #t18_49_bv-8b33c165-{left:502px;bottom:257px;letter-spacing:-0.1px;} #t19_49_bv-8b33c165-{left:502px;bottom:230px;letter-spacing:-0.1px;} #t1a_49_bv-8b33c165-{left:502px;bottom:203px;letter-spacing:-0.1px;} #t1b_49_bv-8b33c165-{left:502px;bottom:176px;letter-spacing:-0.11px;} #t1c_49_bv-8b33c165-{left:502px;bottom:149px;letter-spacing:-0.1px;} #t1d_49_bv-8b33c165-{left:502px;bottom:121px;letter-spacing:-0.1px;} .s0_49_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1ez_bv-8b33c165-;color:#648F3C;} .s1_49_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ez_bv-8b33c165-;color:#1E2B5F;} .s2_49_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1ez_bv-8b33c165-;color:#4C4D4F;} .s3_49_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1e-_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1ez_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1ez_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1e-_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1e-_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Legal defence after working dog injures member of public This case study shows how Rural Protect supported an insured business after it was alleged that their working dog attacked and injured a member of the public. Business type: Mixed Farmer Section of cover: Personal Liability Applicable cover: Claims against an insured person Circumstance: Working dog allegedly injuring a member of the public. Legal fees value: £8,074 The scenario: It was alleged that the business owner’s working dog attacked and injured a member of the public, prompting police intervention and legal proceedings against the owner. What happened? The incident occurred when the working dog, owned by the insured business, became uncontrollable and attacked a member of the public. The injured party reported the attack, leading to the business owner being interviewed by the police under caution. The outcome: Following the police interview, the business owner was charged and later found guilty of an offence under the Dangerous Dogs Act 1991. As a result, the owner received a one-year suspended sentence. Fortunately, the business was insured by Rural Protect, who took responsibility for representing the insured and defending the case. Rural Protect covered the costs of legal counsel, defence, and expert reports required to support the defence. Thanks to this comprehensive support, the client only needed to pay their policy excess, with no further financial burden.

Page 50

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_50_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_50_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_50_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.79px;} #t4_50_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_50_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_50_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_50_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_50_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_50_bv-8b33c165-{left:98px;bottom:584px;letter-spacing:-0.1px;} #ta_50_bv-8b33c165-{left:238px;bottom:584px;letter-spacing:-0.12px;} #tb_50_bv-8b33c165-{left:98px;bottom:529px;letter-spacing:-0.1px;} #tc_50_bv-8b33c165-{left:261px;bottom:529px;letter-spacing:-0.11px;} #td_50_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.08px;} #te_50_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_50_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.11px;} #tg_50_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.1px;} #th_50_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_50_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.11px;} #tj_50_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_50_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.1px;} #tl_50_bv-8b33c165-{left:261px;bottom:285px;letter-spacing:-0.1px;} #tm_50_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.11px;} #tn_50_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_50_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.11px;} #tp_50_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.11px;} #tq_50_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #tr_50_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_50_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tt_50_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_50_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.11px;} #tv_50_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.11px;} #tw_50_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.11px;} #tx_50_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.11px;} #ty_50_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #tz_50_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t10_50_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.12px;} #t11_50_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.1px;} #t12_50_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_50_bv-8b33c165-{left:502px;bottom:475px;letter-spacing:-0.1px;} #t14_50_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.1px;} #t15_50_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t16_50_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} .s0_50_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1f0_bv-8b33c165-;color:#648F3C;} .s1_50_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f0_bv-8b33c165-;color:#1E2B5F;} .s2_50_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f0_bv-8b33c165-;color:#4C4D4F;} .s3_50_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1f1_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1f0_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1f0_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1f1_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1f1_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Employment claim by ex-spouse This case demonstrates how Rural Protect’s Employment Practices Liability Cover protects farms from claims by family members or close associates. The cover enabled legal defence, preventing a claim from progressing unnecessarily. Business type: Mixed Farmer Section of cover: Employment Practices Liability Applicable cover: Claims by Employees Cover Circumstance: Claim by business owner’s ex-spouse alleging unfair dismissal. Legal fees value: £7,266 The scenario: The ex-spouse claimed unfair and wrongful dismissal from the farm business, seeking compensation. The claim risked both financial loss and reputational damage. What happened? Rural Protect provided a full legal defence. rradar reviewed employment records, contracts, and communications to demonstrate that the claimant was not legally an employee. The evidence showed that no contractual or statutory rights had been breached. The outcome: The claim was dismissed, saving the business from financial and reputational impact. Rural Protect’s intervention highlighted the importance of clear employment arrangements, even for family members.

Page 51

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_51_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.1px;} #t2_51_bv-8b33c165-{left:98px;bottom:847px;letter-spacing:0.08px;} #t3_51_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.11px;word-spacing:-0.59px;} #t4_51_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.12px;} #t5_51_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t6_51_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t7_51_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t8_51_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t9_51_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_51_bv-8b33c165-{left:238px;bottom:611px;letter-spacing:-0.12px;} #tb_51_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tc_51_bv-8b33c165-{left:261px;bottom:556px;letter-spacing:-0.1px;} #td_51_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #te_51_bv-8b33c165-{left:266px;bottom:502px;letter-spacing:-0.1px;} #tf_51_bv-8b33c165-{left:98px;bottom:475px;letter-spacing:-0.12px;} #tg_51_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.11px;} #th_51_bv-8b33c165-{left:236px;bottom:421px;letter-spacing:-0.11px;} #ti_51_bv-8b33c165-{left:98px;bottom:393px;letter-spacing:-0.1px;} #tj_51_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.1px;} #tk_51_bv-8b33c165-{left:261px;bottom:339px;letter-spacing:-0.1px;} #tl_51_bv-8b33c165-{left:98px;bottom:285px;letter-spacing:-0.11px;} #tm_51_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.11px;} #tn_51_bv-8b33c165-{left:98px;bottom:230px;letter-spacing:-0.1px;} #to_51_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.1px;} #tp_51_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tq_51_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tr_51_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.1px;} #ts_51_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #tt_51_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.13px;} #tu_51_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.11px;} #tv_51_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tw_51_bv-8b33c165-{left:502px;bottom:720px;letter-spacing:-0.1px;} #tx_51_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.1px;} #ty_51_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tz_51_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #t10_51_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.1px;} #t11_51_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.1px;} #t12_51_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.11px;} #t13_51_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t14_51_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t15_51_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t16_51_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t17_51_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.11px;} #t18_51_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;word-spacing:-0.38px;} #t19_51_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t1a_51_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.09px;word-spacing:-2.28px;} .s0_51_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1f2_bv-8b33c165-;color:#648F3C;} .s1_51_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f2_bv-8b33c165-;color:#1E2B5F;} .s2_51_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f2_bv-8b33c165-;color:#4C4D4F;} .s3_51_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1f3_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1f2_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1f2_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1f3_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1f3_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } HMRC Aspect Enquiry – Corporation Tax Rural Protect’s Tax Investigation Costs Cover supports mixed farming businesses during HMRC enquiries. The cover provided this case with accountancy and legal support, ensuring compliance and avoiding penalties. Business type: Mixed Farmer Section of cover: Company Legal Liability Applicable cover: Tax Investigation Costs Cover Circumstance: HMRC Aspect Enquiry on Corporation Tax Return Legal fees value: £5,915 The scenario: HMRC opened an Aspect Enquiry focused on specific areas of the farm’s corporation tax return, including amounts recorded in other debtors. The enquiry could have resulted in amendments, penalties, or further in-depth investigation if unresolved. What happened? Rural Protect arranged for accountancy support to clarify the farm’s records, covering accountancy costs and legal oversight costs. rradar liaised with HMRC to explain and justify the figures, ensuring that all queries were addressed fully. The Aspect Enquiry is a targeted investigation into specific areas of a business’s accounts, and the combination of accountancy and legal oversight ensured that the farm complied efficiently. The outcome: HMRC were satisfied with the explanations, no amendments were required, and the enquiry was closed. The farm avoided penalties or additional scrutiny.

Page 52

.t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_52_bv-8b33c165-{left:98px;bottom:892px;letter-spacing:0.09px;} #t2_52_bv-8b33c165-{left:98px;bottom:801px;letter-spacing:-0.12px;} #t3_52_bv-8b33c165-{left:98px;bottom:774px;letter-spacing:-0.11px;word-spacing:-0.79px;} #t4_52_bv-8b33c165-{left:98px;bottom:747px;letter-spacing:-0.11px;} #t5_52_bv-8b33c165-{left:98px;bottom:720px;letter-spacing:-0.11px;} #t6_52_bv-8b33c165-{left:98px;bottom:692px;letter-spacing:-0.11px;} #t7_52_bv-8b33c165-{left:98px;bottom:665px;letter-spacing:-0.11px;} #t8_52_bv-8b33c165-{left:98px;bottom:638px;letter-spacing:-0.11px;} #t9_52_bv-8b33c165-{left:98px;bottom:611px;letter-spacing:-0.1px;} #ta_52_bv-8b33c165-{left:98px;bottom:556px;letter-spacing:-0.1px;} #tb_52_bv-8b33c165-{left:238px;bottom:556px;letter-spacing:-0.12px;} #tc_52_bv-8b33c165-{left:98px;bottom:502px;letter-spacing:-0.1px;} #td_52_bv-8b33c165-{left:261px;bottom:502px;letter-spacing:-0.1px;} #te_52_bv-8b33c165-{left:98px;bottom:448px;letter-spacing:-0.1px;} #tf_52_bv-8b33c165-{left:266px;bottom:448px;letter-spacing:-0.1px;} #tg_52_bv-8b33c165-{left:98px;bottom:421px;letter-spacing:-0.12px;} #th_52_bv-8b33c165-{left:98px;bottom:366px;letter-spacing:-0.11px;} #ti_52_bv-8b33c165-{left:236px;bottom:366px;letter-spacing:-0.1px;} #tj_52_bv-8b33c165-{left:98px;bottom:339px;letter-spacing:-0.11px;} #tk_52_bv-8b33c165-{left:98px;bottom:312px;letter-spacing:-0.11px;} #tl_52_bv-8b33c165-{left:98px;bottom:257px;letter-spacing:-0.1px;} #tm_52_bv-8b33c165-{left:261px;bottom:257px;letter-spacing:-0.1px;} #tn_52_bv-8b33c165-{left:98px;bottom:203px;letter-spacing:-0.11px;} #to_52_bv-8b33c165-{left:98px;bottom:176px;letter-spacing:-0.1px;} #tp_52_bv-8b33c165-{left:98px;bottom:149px;letter-spacing:-0.1px;} #tq_52_bv-8b33c165-{left:98px;bottom:121px;letter-spacing:-0.11px;} #tr_52_bv-8b33c165-{left:98px;bottom:94px;letter-spacing:-0.1px;} #ts_52_bv-8b33c165-{left:502px;bottom:801px;letter-spacing:-0.1px;} #tt_52_bv-8b33c165-{left:502px;bottom:774px;letter-spacing:-0.1px;} #tu_52_bv-8b33c165-{left:502px;bottom:747px;letter-spacing:-0.1px;} #tv_52_bv-8b33c165-{left:502px;bottom:692px;letter-spacing:-0.13px;} #tw_52_bv-8b33c165-{left:502px;bottom:665px;letter-spacing:-0.1px;} #tx_52_bv-8b33c165-{left:502px;bottom:638px;letter-spacing:-0.1px;} #ty_52_bv-8b33c165-{left:502px;bottom:611px;letter-spacing:-0.11px;} #tz_52_bv-8b33c165-{left:502px;bottom:584px;letter-spacing:-0.11px;} #t10_52_bv-8b33c165-{left:502px;bottom:556px;letter-spacing:-0.1px;} #t11_52_bv-8b33c165-{left:502px;bottom:529px;letter-spacing:-0.11px;} #t12_52_bv-8b33c165-{left:502px;bottom:502px;letter-spacing:-0.1px;} #t13_52_bv-8b33c165-{left:502px;bottom:448px;letter-spacing:-0.12px;} #t14_52_bv-8b33c165-{left:502px;bottom:421px;letter-spacing:-0.11px;} #t15_52_bv-8b33c165-{left:502px;bottom:393px;letter-spacing:-0.1px;} #t16_52_bv-8b33c165-{left:502px;bottom:366px;letter-spacing:-0.1px;} #t17_52_bv-8b33c165-{left:502px;bottom:339px;letter-spacing:-0.11px;} #t18_52_bv-8b33c165-{left:502px;bottom:312px;letter-spacing:-0.1px;} .s0_52_bv-8b33c165-{font-size:41px;font-family:Ubuntu-Bold_1f4_bv-8b33c165-;color:#648F3C;} .s1_52_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f4_bv-8b33c165-;color:#1E2B5F;} .s2_52_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Bold_1f4_bv-8b33c165-;color:#4C4D4F;} .s3_52_bv-8b33c165-{font-size:20px;font-family:Ubuntu-Regular_1f5_bv-8b33c165-;color:#4C4D4F;} @font-face { font-family: Ubuntu-Bold_1f4_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Bold_1f4_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } @font-face { font-family: Ubuntu-Regular_1f5_bv-8b33c165-; src: url("userFiles/a/5/1/0/2/6/6/yebTo59g0muuRQG9ybc5KN/fonts/Ubuntu-Regular_1f5_bv-8b33c165-.woff?_cbt=1781167798") format("woff"); } Public inquiry by Traffic Commissioner This case demonstrates how Rural Protect’s Investigation Costs Cover protects businesses during regulatory investigations. It ensured that the farm received professional representation at a Public Inquiry concerning its Goods Vehicle Operator Licence. Business type: Mixed Farmer Section of cover: Company Legal Liability Applicable cover: Investigations Costs Cover Circumstance: Public Inquiry by Traffic Commissioner into alleged breaches of Goods Vehicle Operator Licence. Legal fees value: £4,424 The scenario: The Traffic Commissioner called a Public Inquiry after apparent breaches of a Goods Vehicle Operator Licence. These inquiries assess compliance with licensing obligations and can result in fines, licence suspension, or additional regulatory requirements. What happened? Rural Protect arranged representation at the Inquiry. rradar reviewed all evidence, coordinated submissions, and advised the farm on compliance and mitigating factors. The farm provided records demonstrating that the breaches were unintentional and promptly addressed. The outcome: The Inquiry concluded without severe penalties, demonstrating the value of Investigation Costs Cover in supporting compliance and protecting the business from regulatory repercussions.

Page 53

Page 54