Advice to the hard-hit farming industry on how to reduce insurance costs has been issued by Agricultural Industries Underwriting Agencies (AIUA). It says that as most insurers are currently operating on unprofitable premiums, there is little scope for a reduction in rating levels. However, farmers can make substantial savings by reorganising their policy schedules, says AIUA. Tips include considering whether all buildings need to be insured against all perils or whether some can have limited protection.