Rural Protect Elements is a bespoke product designed to meet the needs of smaller rural businesses.

This specialist product is a management liability policy – a streamlined version of Rural Protect. The policy is designed to help smaller rural businesses and smallholders who may not require the full breadth of cover available through Rural Protect. Whilst still offering a high level of support, it avoids you paying for cover you may not need.

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Key Benefits

Underwritten by AXA Insurance plc, Rural Protect Elements supports businesses facing challenges from regulatory bodies, administrative and legal issues, whether they be a limited company, partnership or sole trader.

With so many regulations surrounding the agricultural industry, farmers must work responsibly to ensure standards are met. Through leading law firm, rradar, Rural Protect Elements also provides in-depth legal assistance, providing digital tools to educate, manage and advise farmers on how to reduce their legal risks.

To see the key differences between Rural Protect & Rural Protect Elements, click here.

At a Glance


24/7 Legal advice with a directory of legal professionals available at your fingertips.


Fraud & Cyber Cover includes up to £5,000 for third party electronic funds transfer and telephone fraud.


Personal & Company Liability protects you from civil, regulatory and criminal allegations made against individuals and/or the company by a third party.  


Employment Practises Liability covers your business against employee claims, including discrimination.


Pursuit cover provides an optional layer of protection for contract dispute and debt recovery pursuit.

Why Rural Protect Elements?

Since the development of Rural Protect there has been demand for a small business equivalent.

Rural Protect Elements provides cover for all forms of negligent acts or omissions by any member of your organisation, including directors, employees or volunteers. Any type of risk can have a huge effect on a small business; Rural Protect Elements provides you with day-to-day assistance, helping prevent issues and providing cover should they arise.

The Rural Protect scheme has been developed by the rural insurance specialists at HB Underwriting in partnership with AXA, who found that regular agricultural insurance does not provide the level of cover required for the modern rural business.  This policy covers a number of risks which may not necessarily be covered otherwise.

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