Farmers are being encouraged to check their security is up to scratch as the cost of agricultural theft rockets. Power tools, tractors, heating oil and fuel top the list of targeted items. Insurers increase premiums after break-ins so its important that farmers take steps to prevent thieves gaining access to their premises, as a second theft would seriously affect the terms and premiums offered at your next renewal. If a farmer shows willing to prevent crime on his farm, insurers tend to be more flexible with the terms and premiums they will impose at renewal. Farms can minimise the threat from theft and also reduce farm insurance premiums by showing insurers that preventative measures are in place to deter thieves. Simple, low cost measures include:

• locking fuel tanks with quality locks
• securing tools
• keeping equipment and agricultural vehicles in locked workshops
• grilling or bricking up windows to prevent access
• keeping livestock in locked, gated fields close to the farmhouse and buildings
• installing immobilisers or data-tagging on agricultural machinery so it can be identified and returned to its rightful owner if stolen
• installing CCTV and alarm systems
• fitting infra-red beams across yards or gateways to trigger alarms
• installing a lockable bar gate at the entrance to the farm to prevent vehicle access

One of the most visible signs of the recession is the number of unoccupied premises, both on the high street and in our neighbourhoods. The likelihood of damage or injury arising from empty buildings is high, even if they are only vacant temporarily, such as prior to their sale or refurbishment, and it is the responsibility of the property owner or lease holder to make sure the building is secure and properly insured. Common problems include theft of contents, fixtures and fittings, vandalism, fire, fly tipping and occupation by squatters. Empty buildings are also at increased risk of water damage due to inadequate maintenance and repairs. Owners have a legal duty of care to third parties entering empty premises, whether they are employees, estate agents, surveyors, buyers and even trespassers, and it's vital that you tell your broker immediately if a building you own or occupy is vacant, even if temporarily. This could result in higher premiums, but the consequences of not being properly insured and an incident of this nature occurring can be serious. For more advice on insurance for unoccupied properties, call Linda Cowgill on 0113 202 1232.