If a farmer has to use his liability insurance for one of us then he is up to his neck in paper work and inconvenience , and then there is the following premium increases . Use also increases your premium . One year on our farm we mentioned the shearers quarters to the insurance company , they immediately whacked the premium up another $10,000 !!! We were very adamant after that that the other buildings were unused , could have gone up another $40,000 !