It's not news to anyone reading this, owning a farm is hard work. Not only is the work difficult, but then there is the paperwork and the seemingly endless red tape that needs to be satisfied.

Sometimes insurances like Life Insurance and Income Protection Insurance can get forgotten about or pushed to the bottom of the to-do list.

They don't seem all that important - maybe even something that can wait for another day.

That is until something goes wrong.

For most farmers, no work means no pay. That means no income for the farm and no pay for other employees.

Life Insurance and Income Protection Insurance simply means that in the event that the farmer is no longer able to work, there is still money coming in (either in instalments or in one lump sum). That money can then be used to pay staff and even specialist managers to maintain the farm.

Insurances like Life and Income Protection can mean the difference between a farm surviving a significant event such as an illness or accidental injury or becoming another casualty.