An agricultural expert is urging farmers to safeguard lives – and livelihoods – when working with hay and straw bales.
With barn activity increasing during the winter months, following safety guidelines is paramount, according to rural insurance broker Lycetts.
Figures from the Health and Safety Executive (HSE) show that 20% of all agricultural deaths in 2021/22 were due to people being struck by an object, with hay bales being a leading cause.
In addition to the risks of fatal accidents, failure to observe the stipulated stack and distance limits for haystacks could invalidate insurance cover, Lycetts says.
Rupert Wailes-Fairbairn, of the insurance broker, says: “If stack limits are contravened, such as being too close together, too high or undervalued, farmers face significant shortfalls in the event of loss, such as accidental fire or arson
A total of 532 fires were recorded at agricultural premises in England between 2021/22, 429 of them were accidental, and 103 were caused deliberately.
Lycetts says it is imperative that farmers find out if there is a haystack limit defined by value rather than volume.
"If, for example, a stack with £60,000 worth of hay catches fire, there is a strong chance it exceeds the limit," Mr Wailes-Fairbairn explains.
"Often there are distance limits written into policies too, which is usually 20 metres, but this can vary.
“The best way to comply with the terms of a policy is to split stacks and keep them in different locations but checking the policy wording should be the first port of call."
He adds: “The stakes are too high and are certainly not worth the gamble.”
Lycetts has also highlighted the critical role of risk management in mitigating the chances of fire.
An abundance of combustible materials, threat of arson, risk of electrical faults in buildings and overheating in machinery are just some of the fire risks farmers face daily.
It can be expensive to replace produce needed to feed livestock through the winter, so farmers should ensure appropriate insurance is in place for this eventuality.
“We’ve encountered incidents of straw being stored in sheds that have been set alight and both the straw and shed have been underinsured," Mr Wailes-Fairbairn adds.
To mitigate the risk of spontaneous fires, Lycetts recommends simple measures, such as ensuring there are no naked bulbs or misplaced glass or mirrors near to haystacks.
Farmers should also look at the installation of sufficient and accessible on-site fire extinguishers and having water bowsers nearby.
Another risk to consider is that of children gaining entry to a barn and playing among the bales. They could suffer serious – or even fatal – injuries should bales fall.
“Keeping buildings locked and securing and maintaining perimeters can prevent unauthorised entry by children or arsonists," Mr Wailes-Fairbairn says.
“Risk management is an often overlooked aspect of farming but taking the necessary precautions can help prevent accidents and financial losses.”
