Who This Cover Is Best For
This cover is a strong fit for crop producers, livestock and poultry farms, dairy units, mixed farms, forage and silage operations, smallholdings and homesteads, organic or specialist growers, and family farms with diversified income. If you have additional activities such as a farm shop, café, holiday lets, livery, contracting, or renewable energy, we can build these in.
What Your Policy Includes
A well-built programme protects your property, produce, animals, and income:
- Farm Property for barns, sheds, parlours, workshops, grain stores, silos, fencing, and rural outbuildings against fire, storm, flood, theft, and accidental damage.
- Machinery and Equipment for tractors, telehandlers, harvesters, ATVs, and implements, including theft and accidental damage, with options for hired-in plant.
- Livestock to cover death or injury from insured events, including straying, transit, and specified diseases where available.
- Liabilities including Public Liability, Products Liability, and Employers’ Liability where you have staff or casual labour.
- Business Interruption to replace lost income and cover increased costs if operations are halted after an insured event.
- Goods in Transit for produce, feed, and supplies moved on and off the farm.
- Environmental and Pollution options where required by contracts or regulators.
- Deterioration of Stock for milk and other temperature-sensitive goods after equipment failure or power loss.
- Home and Personal Effects on the Farm where needed, keeping everything under one roof.
