Our approach
A method you can interrogate, and a boundary we do not cross
Risk output that cannot be questioned is not decision-support. Every figure AgriRisk shows can be traced back to the data that produced it.
The risk methodology
A risk enters your register when a monitored driver moves far enough to be material against your farm's own exposure — your enterprise mix, your tonnage, your payment timings, your cash headroom. Materiality is a farm-level test, not a sector-level one: the same 7% move can be noise on one holding and a serious problem on the next.
Severity is banded rather than presented as false precision. The £ magnitude is an estimate of exposure over the projection window, and it is labelled as an estimate everywhere it appears. Where the underlying data is stale or a source is unavailable, the surface says so rather than quietly showing an old number.
The composite farm health score is built from three components — open risk exposure, projected cash headroom and current alert pressure. All three are shown alongside the score, because a single number without its parts invites the wrong conclusion.
Non-advice framing, built into the product
AgriRisk is decision-support, not financial or insurance advice. Every output uses possible action to consider language. Where questions cross the regulated advice perimeter, we signpost to qualified advisers.
This discipline is embedded in the interface, not layered on afterwards. There is no screen in AgriRisk that instructs. Each suggested step reads as a possible action to consider, carries its rationale and its expected magnitude, and leaves the decision with you.
Where a customer question sits inside the FCA regulated financial advice perimeter — a specific hedging instrument, a specific insurance product, a tax position — the platform surfaces qualified adviser routes rather than answering directly.
Our Terms of Service state it plainly: AgriRisk is decision-support, not financial or insurance advice. The customer's own judgement, and where relevant the customer's own qualified adviser, remains authoritative.
The adviser channel
Farm business consultants and agricultural accountants already hold the trusted relationship with the farmer, and they carry the regulated permissions where those are needed. That makes them the right home for the questions AgriRisk deliberately does not answer.
The Adviser tier exists for that reason. A consultant sees risk moving across the whole client book, can drill into any single farm, and can take adviser-branded output into the client conversation. AgriRisk supplies the monitoring; the adviser supplies the advice.