Insurance & Risk Management
Insurance & Risk: For Advisers & Agents
What Insurance & Risk changes for agronomists, agents, vets and consultants.
Advisers need scoped access, defensible records and a way to work across a client base without re-keying. Farm insurance is typically renewed rather than reviewed, and the gap between what is insured and what is at risk is discovered at claim. This module holds every policy and its exclusions, maps them against a structured risk register, and assembles claim evidence from records the platform already keeps.
In their words
What the job actually looks like
These are not marketing personas. Each one is a distinct job with a distinct constraint, and the module is designed so that solving one does not create work for the others.
Farm manager
Health and safety
Needs risk mitigation actions tracked to completion.
- Register every policy and its terms
- Build the risk register
- Map cover against risk
- Identify and close gaps
Loss adjuster
Assessing a claim
Needs contemporaneous operational records as evidence.
- Build the risk register
- Map cover against risk
- Identify and close gaps
- Review sums insured annually
Insurance broker
Advising the client
Needs an accurate risk and asset picture to place cover.
- Map cover against risk
- Identify and close gaps
- Review sums insured annually
- Implement mitigation actions
End to end
How Insurance & Risk runs, start to finish
The module is modelled as a state machine, so at any point the business knows exactly which stage every record is at and what has to happen next.
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1
Register every policy and its terms
This is where the record starts, and getting it right here removes work at every later stage.
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2
Build the risk register
The platform prompts only for what this stage genuinely needs, and carries everything forward.
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3
Map cover against risk
Conflicts with scheme rules, regulatory windows and existing commitments are flagged here rather than discovered later.
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4
Identify and close gaps
Capture works offline, so this stage is completed in the field rather than remembered afterwards.
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5
Review sums insured annually
Everything recorded at this point becomes evidence automatically, in every format that will later ask for it.
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6
Implement mitigation actions
This is the stage most businesses currently do twice, once for the operation and once for the paperwork.
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7
Assemble evidence if a claim arises
Results feed the whole-farm view, so the effect of this stage is visible against the rest of the business.
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8
Review claims history at renewal
The cycle closes here, and what is learned is carried into next season's plan rather than lost.
Capabilities
What Insurance & Risk does
Every capability below is built on the same underlying record, so entering something once is enough for it to appear wherever it is needed.
Record and plan
- Policy register with cover, limits, excesses, exclusions and renewal dates
- Structured risk register scored on likelihood and impact
- Cover gap analysis mapping risks against policies
Operate and monitor
- Sum insured review against actual replacement values
- Business interruption exposure modelling
- Claim evidence assembly from platform operational records
Comply and evidence
- Claims history with outcome and settlement tracking
- Weather and parametric cover option appraisal
- Livestock, crop and machinery cover specifics
Analyse and improve
- Employers, public and product liability tracking
- Cyber and business continuity risk assessment
- Risk mitigation actions with cost and premium impact
Obligation calendar
What insurance & risk asks of you, and when
Windows, deadlines and recurring obligations for England. Set a different nation and the calendar reconfigures; farm across a border and it shows both, reconciled.
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January 1 entry
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14 January: Map cover against risk
A recurring step in insurance & risk.
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February 1 entry
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3 February: Animal Health and Welfare Pathway
Rolling application.
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March 1 entry
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22 March: Build the risk register
A recurring step in insurance & risk.
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April 1 entry
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20 April: Adding Value Grant
Round-based.
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June 3 entries
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4 June: Register every policy and its terms
A recurring step in insurance & risk.
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5 June: Farming Transformation Fund
Round-based by theme.
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15 June: Sustainable Farming Incentive 2026
Two windows in 2026: window one from 30 June, window two from September.
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July 2 entries
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14 July: Slurry Infrastructure Grant
Round-based.
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17 July: Water Management Grant
Round-based.
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October 1 entry
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5 October: Farming Equipment and Technology Fund
Round-based, usually open for a defined application period.
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November 3 entries
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12 November: Improving Farm Productivity Grant
Round-based.
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16 November: Identify and close gaps
A recurring step in insurance & risk.
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27 November: Environmental Land Management Capital Grants
Round-based, with rapid allocation once open.
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December 1 entry
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26 December: Countryside Stewardship
Rolling and round-based depending on the tier and option group.
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Worked example
How a business like yours would use Insurance & Risk
The problem: Wants to know what is not covered before renewing on autopilot.
What they do
- Register every policy and its terms
- Build the risk register
- Map cover against risk
- Identify and close gaps
What changes
- Risks with adequate cover
- Premium as a proportion of turnover
- Claims settled without dispute
This is an illustrative worked example built from the module design, not a customer reference. Named case studies are published only with the business's written consent.
What we are hearing
The problems people describe to us
These are composite statements drawn from user research conversations, not attributed customer quotes. We publish named references only with written consent.
I am not short of software. I am short of one place where the same field means the same thing in all of it.
The scheme closed on a Tuesday evening. I had the application half built. Nobody told me the budget was nearly gone.
We farm on both sides of the border. Everything takes twice as long and I still cannot see the whole position on one screen.
Audit week costs me three days. Every single record they ask for is already written down somewhere on this farm.
Measurement
How you will know it is working
The module reports against these measures from the day it is switched on, so the value is demonstrable rather than assumed.
- 01Risks with adequate cover
- 02Premium as a proportion of turnover
- 03Claims settled without dispute
- 04Mitigation actions completed
- 05Sum insured adequacy
Free assessment
Find out where you stand in about ten minutes
A structured assessment producing a scored report with a prioritised list of what to fix first, and what it is worth fixing.