Crofting Matters - Covering the Croft and Common
Update: 2025-10-29
Description
Insurance for Crofters and Common Grazings. Welcome back to Crofting Matters! In this episode, Siobhan is joined by Jonathan Hogg, a rural insurance expert from NFU Mutual’s Dingwall branch. Johnny has an agricultural background, works in a crofting area and understands the issues that crofters and grazing committees face with access, theft and weather-related incidents. We remove the ambiguity surrounding the need for Public and Employer’s liability cover, and what to do if the bull can outrun humans.
We discuss:
- Whether a small crofting business needs insurance, and what kind?
- The need for Public Liability insurance.
- Livestock – minimising the risk.
- Wording on signs.
- When to cover machinery and livestock for theft and loss.
- Employer’s liability when you may not think of yourself as an employer!
- Common Grazings and Sheep Stock clubs – cover required.
FAS Resources
https://www.fas.scot/news/common-grazings-and-sheep-stock-clubs-liability/
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