Serious global disease outbreaks are nothing new to the great British farmer.
Over the decades, they have managed their way through devastating outbreaks of illnesses such as foot-and-mouth and bovine tuberculosis.
Coronavirus is different, due to the extent of its impact on humans, but despite day-to-day farming being largely unaffected, some farmers are counting the cost of disruption.
The biggest impact has been on those with diversified businesses, who have seen demand for B&Bs or weddings substantially decrease. When farmers turned to their insurers, expectant that their loss of income was covered by standard business interruption insurance, they were disappointed.
According to the Association of British Insurers, standard business interruption insurance does not include forced closure by the authorities but instead provides cover for physical damage to property or farms caused by events such as fire or storms.
Over the summer, the Financial Conduct Authority (FCA) brought a test case to the High Court to determine whether the losses related to coronavirus should be covered. The High Court ruled in the FCA’s favour, but insurers appealed the decision, and a final hearing took place in November. Whatever the outcome, it seems an opportune time for farmers to re-evaluate their insurance cover in many areas of their business.