Farm Insurance - Comprehensive Agricultural Protection

We provide insurance for all types of farming operations including arable farms, livestock farms, dairy operations, mixed farms, organic farms, intensive farming, extensive farming, specialist crop production, and agricultural contracting businesses.

Livestock coverage can be included as part of a comprehensive farm insurance policy or purchased separately. Coverage typically includes death from accident, illness, disease, fire, lightning, flood, and other specified perils, with options for breeding stock and in-transit coverage.

Crop insurance protects against loss of yield or damage to crops from covered perils such as adverse weather, fire, hail, pest damage, and disease. Coverage is typically based on declared acreage and expected yield, with compensation paid when actual yield falls below the insured level due to covered causes.

Farm property insurance typically covers the farmhouse, barns, outbuildings, livestock housing, grain stores, machinery sheds, dairy parlours, workshops, and other agricultural structures. Coverage includes damage from fire, storm, flood, theft, and other specified perils.

Yes, farm equipment can be covered during transport between locations, to shows, or for repair. This includes coverage for tractors, combines, and other machinery while being moved on trailers or under their own power on public roads.

Farm business interruption insurance compensates for loss of income when your farming operation is disrupted by an insured event. This includes loss of profits from livestock, crops, or other farm enterprises, plus additional expenses incurred to minimize the loss.

Farms face various liability risks including public liability for visitors injured on the property, employers liability for farm workers, product liability for farm produce, environmental liability for pollution incidents, and professional liability for agricultural advice or services.

Organic farms may require specialized coverage due to higher crop values, certification requirements, and contamination risks. We can arrange coverage that recognizes the premium value of organic produce and includes protection against loss of organic certification.

While government compensation may be available for notifiable diseases, it often doesn't cover all losses. Our livestock insurance can provide additional protection for consequential losses, business interruption, and costs not covered by statutory compensation schemes.

Yes, we can provide coverage for diversified farm activities such as farm shops, bed and breakfast accommodation, wedding venues, educational visits, renewable energy projects, and other non-traditional farming enterprises.

Farm property should be insured for full reinstatement value, including the cost of demolition, site clearance, and rebuilding to current standards. We can arrange professional valuations to ensure adequate coverage and avoid underinsurance penalties.

Farm insurance can be adjusted for seasonal variations in stock levels, crop values, and machinery usage. This ensures you're not over-insured during quiet periods but have adequate coverage during peak seasons like harvest time.

Coverage for contractors and seasonal workers can be included in your farm insurance policy. This includes employers liability for temporary staff and coverage for contractor-owned equipment used on your farm.

We typically need details of your farming activities, livestock numbers, crop types and acreage, property details and values, machinery lists, annual turnover, previous claims history, and any specific risks or concerns about your operation.

Simple claims can often be settled within days, while complex claims involving livestock disease or major property damage may take longer. We work with insurers who understand the urgency of farm claims and the need to restore operations quickly.

Yes, modern farms increasingly rely on digital systems for livestock monitoring, crop management, financial records, and customer data. Cyber insurance protects against data breaches, system failures, and cyber attacks that could disrupt your farming operation.

Agri-tourism activities such as farm tours, pick-your-own operations, corn mazes, and educational visits require specialized public liability coverage. We can arrange comprehensive protection for these diversification activities.

Farm vehicles used on public roads require separate motor insurance. We can arrange commercial vehicle policies for tractors, Land Rovers, and other farm vehicles, including coverage for agricultural trailers and implements.

Weather-related crop coverage protects against specific perils such as hail, frost, excessive rain, drought, and wind damage. Coverage is typically based on the difference between expected and actual yield, with compensation calculated using local market prices.

Many insurers offer discounts for farms with good risk management practices such as security systems, fire prevention measures, health and safety training, and quality assurance schemes. We can advise on measures that may reduce your premiums.

Your insurance should be updated whenever you make significant changes to your farming operation. We provide ongoing policy reviews to ensure your coverage remains adequate as your business evolves and expands.

Yes, tenant farmers need specialized coverage that reflects their responsibilities under tenancy agreements. This typically includes coverage for improvements, fixtures, and tenant's liability, while excluding the landlord's buildings and permanent fixtures.

To make a claim, contact us immediately on 0330 127 2333. We'll guide you through the process, help gather necessary documentation, and liaise with loss adjusters and insurers to ensure your claim is handled efficiently and fairly.

Farm insurance is specifically designed for active farming operations and includes coverage for livestock, crops, and agricultural activities. Rural property insurance is more suitable for rural homes without active farming, covering buildings and contents but not agricultural risks.

Yes, we can often arrange immediate coverage for urgent situations such as newly purchased livestock, equipment, or property. Contact us on 0330 127 2333 and we'll work to provide same-day coverage when possible.

Farm insurance costs vary significantly based on farm size, type of operation, location, and coverage levels. Small mixed farms might pay £2,000-£5,000 annually, while large arable or livestock operations could pay £10,000-£50,000 or more. Factors affecting cost include property values, livestock numbers, machinery values, claims history, and risk management measures in place.

Yes, farm shops and direct sales activities typically require additional coverage beyond standard farm insurance. This includes product liability for food sold directly to consumers, public liability for customers visiting your premises, and coverage for retail stock and equipment. We can arrange comprehensive coverage for farm diversification activities.

Sheep farmers typically need livestock insurance covering death from accident, illness, and disease, property insurance for buildings and fencing, public liability for dog attacks or escapes, business interruption for disease outbreaks, and coverage for shepherding equipment and quad bikes. Specific risks include worrying by dogs, theft, and weather-related losses.

While not legally required, cattle insurance is essential for protecting valuable breeding stock, covering disease outbreaks, and protecting against business interruption. Dairy farmers particularly need coverage for milking equipment, bulk tanks, and loss of milk production. Beef farmers need protection for breeding stock and finishing cattle.

Arable farm insurance covers growing crops against weather damage, fire, and pest damage, farm buildings including grain stores and machinery sheds, agricultural machinery and equipment, business interruption from crop losses, and liability for spray drift or other farming activities affecting neighboring properties.

Dairy farmers should insure their milking herd for full replacement value, typically £1,000-£2,000 per cow depending on breed and quality. Coverage should include death from accident, illness, disease, and emergency slaughter. Additional coverage for loss of milk production and mastitis treatment costs is also recommended.

Poultry farmers need livestock insurance for bird mortality, property insurance for sheds and equipment, business interruption for disease outbreaks or housing orders, product liability for egg or meat sales, and specialized coverage for free-range operations including predator attacks and weather-related losses.

Yes, pig farming requires specialized coverage including livestock insurance for valuable breeding stock, property insurance for specialized housing and feeding systems, business interruption for disease outbreaks, environmental liability for waste management, and coverage for outdoor pig operations including weather protection and predator attacks.

Farm insurance costs vary significantly based on farm size, type of operation, location, and coverage levels. Small mixed farms might pay £2,000-£5,000 annually, while large arable or livestock operations could pay £10,000-£50,000 or more. Factors affecting cost include property values, livestock numbers, machinery values, claims history, and risk management measures in place.

Yes, farm shops and direct sales activities typically require additional coverage beyond standard farm insurance. This includes product liability for food sold directly to consumers, public liability for customers visiting your premises, and coverage for retail stock and equipment. We can arrange comprehensive coverage for farm diversification activities.

Farm insurance is designed for commercial agricultural operations with significant livestock, crops, or machinery values. Smallholding insurance is typically for smaller, often hobby-based operations with lower values and risks. The coverage levels, policy limits, and premiums reflect these differences in scale and commercial activity.

Sheep farmers typically need livestock insurance covering death from accident, illness, and disease, property insurance for buildings and fencing, public liability for dog attacks or escapes, business interruption for disease outbreaks, and coverage for shepherding equipment and quad bikes. Specific risks include worrying by dogs, theft, and weather-related losses.

While not legally required, cattle insurance is essential for protecting valuable breeding stock, covering disease outbreaks, and protecting against business interruption. Dairy farmers particularly need coverage for milking equipment, bulk tanks, and loss of milk production. Beef farmers need protection for breeding stock and finishing cattle.

Arable farm insurance covers growing crops against weather damage, fire, and pest damage, farm buildings including grain stores and machinery sheds, agricultural machinery and equipment, business interruption from crop losses, and liability for spray drift or other farming activities affecting neighboring properties.

Dairy farmers should insure their milking herd for full replacement value, typically £1,000-£2,000 per cow depending on breed and quality. Coverage should include death from accident, illness, disease, and emergency slaughter. Additional coverage for loss of milk production and mastitis treatment costs is also recommended.

Poultry farmers need livestock insurance for bird mortality, property insurance for sheds and equipment, business interruption for disease outbreaks or housing orders, product liability for egg or meat sales, and specialized coverage for free-range operations including predator attacks and weather-related losses.

Yes, pig farming requires specialized coverage including livestock insurance for valuable breeding stock, property insurance for specialized housing and feeding systems, business interruption for disease outbreaks, environmental liability for waste management, and coverage for outdoor pig operations including weather protection and predator attacks.

Combine harvester breakdown coverage can be included in farm machinery insurance, providing protection during critical harvest periods. This includes repair costs, hire of replacement equipment, and business interruption losses from delayed harvesting. Seasonal coverage adjustments ensure adequate protection during harvest time.

Yes, farm insurance premiums are typically tax-deductible as a legitimate business expense for commercial farming operations. This includes property, livestock, crop, machinery, and liability insurance directly related to the farming business. Consult your accountant for specific advice on your tax situation.

Farm succession requires careful insurance planning to ensure continuous coverage during ownership transitions. Policies may need to be transferred, updated, or restructured. We can help coordinate with legal and financial advisors to ensure seamless insurance coverage throughout the succession process.

Pick-your-own operations require specialized public liability coverage for customers on the farm, product liability for fruit sold, property insurance for facilities and equipment, and coverage for crop damage from customers. Additional considerations include car parking areas and toilet facilities.

Polytunnel and greenhouse insurance covers structures against storm damage, crop losses from heating failures, specialized growing equipment, and business interruption from environmental control system failures. Coverage can be tailored for different types of protected cropping from basic polytunnels to sophisticated glasshouses.

Contract farming arrangements require careful insurance coordination between landowners and contractors. Coverage must be clearly defined for who insures what, including crops, machinery, liability, and buildings. We can help structure policies to avoid gaps or overlaps in coverage between parties.

Horse breeding operations need specialized equine insurance covering breeding stock for mortality and loss of use, foaling complications, property insurance for stables and facilities, public liability for visitors and riders, and professional indemnity for breeding advice. Coverage varies significantly based on horse values and breeding activities.

Yes, organic farms can get coverage protecting against loss of organic certification due to contamination from neighboring properties, accidental use of prohibited substances, or other covered causes. This includes the premium value difference between organic and conventional produce during re-certification periods.

New farming businesses may face higher initial premiums due to lack of claims history and experience. Costs depend on the type of farming, initial investment levels, and risk management measures. We can help new farmers find competitive rates and provide guidance on building a good insurance record.

Farm woodland may be covered under standard farm insurance for basic risks, but commercial forestry operations typically need specialized coverage. This includes fire protection, storm damage, theft of timber, liability for public access, and business interruption from harvesting delays.

Renewable energy projects on farms such as solar panels, wind turbines, or anaerobic digesters require specialized coverage beyond standard farm insurance. This includes equipment breakdown, business interruption from lost energy sales, and liability for grid connection issues. Coverage can be integrated with existing farm policies.

Stolen farm vehicle claims are handled based on the policy terms and security measures in place. Coverage typically includes theft from farm premises, but vehicles may need separate motor insurance for road use. Security requirements such as immobilizers or tracking devices may affect coverage and premiums.

Christmas tree farms need crop insurance for fire damage and weather losses, public liability for customers choosing and cutting trees, property insurance for facilities and equipment, business interruption coverage, and seasonal worker liability. Coverage must account for the concentrated seasonal sales period.

Yes, aquaculture operations can get specialized coverage including fish mortality from disease, pollution, or equipment failure, property insurance for ponds, tanks, and equipment, business interruption from production losses, and liability for environmental damage. Coverage varies based on the type of aquaculture operation.

Farms hosting shows or events need additional public liability coverage, property insurance for temporary structures, coverage for livestock in transit and on display, and business interruption for event cancellation. We can arrange event-specific coverage or annual policies for regular event hosting.

Buildings under construction need specialized contract works insurance covering the structure during building, materials and equipment on site, and liability for construction activities. Existing farm insurance may not cover construction risks, so separate coverage is typically required during building projects.

Vertical farming and hydroponics require specialized coverage for sophisticated environmental control systems, crop losses from equipment failures, business interruption from power outages, and cyber insurance for automated systems. Traditional farm insurance may not adequately cover these high-tech growing methods.

Agricultural contractors need comprehensive coverage including public liability for work on other farms, professional indemnity for advice and services, tools and equipment coverage, and business interruption from machinery breakdowns. Coverage must account for working on multiple properties with varying risks.

Farm insurance typically covers sudden and unexpected weather events, but coverage varies by policy. Some policies exclude gradual weather changes or require specific weather conditions to trigger coverage. We can explain exactly what weather-related losses are covered under your specific policy.

Farm insurance works alongside government compensation schemes for notifiable diseases and other events. Insurance typically covers losses not compensated by government schemes, such as consequential losses, business interruption, and cleanup costs. We ensure your coverage complements rather than duplicates government support.

Educational farm visits require enhanced public liability coverage for children and groups, specialized coverage for educational activities and demonstrations, property insurance for visitor facilities, and professional indemnity for educational content. Risk assessments and safety measures are crucial for obtaining coverage.