Most agricultural shows require large animal exhibitors to hold third party liability insurance. It may not be of concern to full time professional farmers as they will already be covered but might be forgotten by small scale farmers who keep animals. There is always some risk to third parties even if livestock are not at a show.
According to the boss of farming and food services at a well known solicitors, any person who exhibits animals at an agricultural show with no liability insurance cover, is taking considerable risk, even if it is highly unlikely the beast will get away or bring about damage to any third party.
If a beast escapes and brings about a car accident or an injury claim from a third party then there might be a large amount of compensation involved.
“One way to deal with this is to go about comparing the costs in the event when something went wrong with the amount it would cost for insurance cover,” the spokesperson said.
“An owner of an animal going on show at an agricultural show should be conscious if their beasts caused any damage or loss, and therefore adding expenses to third parties. Under the Animals Act of 1971 the owner will be liable for any damage the animal might incur e.g. if an animal is on show and happens to have a communicable disease which is not detected before transportation, and other animals become infected, a large claim might be the end result.
Also, if an animal gets away and brings about a car accident or an injury to a third party, a large amount of compensation might be incurred by the owner of the animal.
“Under the Animals Act there is a liability section that covers negligence”, he stated, “this happens when duty of care is the issue and if that duty lapses when the owner has somehow allowed an animal to get away then it could be a financial burden on a third party”. This, of course, is when liability insurance kicks in.