Farming and Agriculture Insurance
Why you need us
Farming is such a diverse industry, with the risks and associated insurance requirements varying greatly from farm to farm.
The agricultural policies we arrange can cover everything from arable to intensive livestock, property, business interruption, liability cover and more. Whether it is a standard farming risk or a modern diversification we can cater for each eventuality.
We have specialists across the British countryside who can take the time to visit your farm and gain a thorough understanding of you and your business.
From regulation to property valuation, we understand the industry and can provide cover and advice for the things affecting you.
We work closely with many of the leading agricultural insurers to provide a range of innovative and market leading solutions.
How we can help
We’re experts in agriculture and farming and we have over 50 years’ experience providing insurance for our clients. We respond to the many and varied insurance requirements of the farming community with a combination of personal service, knowledge, understanding, expertise and a range of market-leading products.
Our combined policies cover the key aspects of your farm that you need to protect. Cover can include farm buildings and contents, livestock, business interruption, public and employers liability, motor, machinery and more.
Agricultural equipment inspection
Complying with health and safety legislation is compulsory. Insurers expect compliance with statutory regulation. Indeed many assurance schemes, whether they be retailer-led, LEAF or more industry-wide red tractor standards, require minimum standards to be met.We can help you keep up-to-date with legislation and offer advise for protecting your farm and staff.
Many farms are increasingly branching out from traditional farming activity to develop new revenue streams. These new activities are often innovative and complex. So as not to put the core assets at risk, it is essential to have the correct cover in place for each element of diversification alongside your traditional farming activity.
There are many reasons why you may incur legal expenses. We have access to insurers who have designed a specialist solution providing legal expenses cover for farmers, including cover for contract disputes, criminal prosecution, employment, tax, property, Basic Payment Scheme disputes and issues with public rights of way.
The Environment Agency has the power to impose clean-up costs upon you if you are responsible for a pollution event. Having appropriate environmental insurance cover on your policy could be crucial in avoiding unexpectedly large bills for clean up costs.
Livestock disease cover
Animal and poultry disease outbreaks are unpredictable and often devastating. In recent times Avian Influenza, cattle farmers facing problems from TB and risk of foot and mouth means that the chance of disease is a real risk. Whilst government compensation does assist, it usually only goes as far as contributing average replacement values for livestock lost to the disease. Having insurance in place could be crucial to dealing with livestock disease.
Arguably worse than fly-tipping, there’s a worrying new trend of illegal waste dumping across Britain.
The HSE warns that agriculture’s fatal accident rate is up to 18 times higher than the UK’s average in other industries. Make sure you are staying safe.
Frequently asked questions
Lifting equipment has to be inspected once a year, unless it has a man cage, in which case it must be checked every 6 months.