Agricultural Insurance
Comprehensive farm and rural business insurance covering livestock, crops, equipment, buildings, and agricultural operations. Protect your farming enterprise against diverse risks.
Essential Protection: Farming faces unique risks from weather, disease, market volatility, and regulation changes. Specialized agricultural insurance provides comprehensive protection tailored to rural enterprises.
Core Agricultural Coverage
Livestock Protection
Comprehensive coverage for cattle, sheep, pigs, poultry, and other farm animals.
- Death by disease or accident
- Veterinary fee coverage
- Emergency slaughter costs
- Carcass disposal expenses
Crop Insurance
Protection against weather damage, disease, and other perils affecting crop yields.
- Hail and storm damage
- Drought and flood protection
- Plant disease coverage
- Pest infestation losses
Farm Infrastructure & Equipment
Physical Assets Coverage
Buildings & Structures
- • Farmhouse and cottages
- • Barns and storage buildings
- • Livestock housing
- • Grain silos and stores
Machinery & Equipment
- • Tractors and harvesters
- • Milking equipment
- • Irrigation systems
- • Processing machinery
Farm Contents
- • Feed and grain stocks
- • Fuel and chemicals
- • Tools and implements
- • Office equipment
Business & Liability Protection
| Coverage Type | What's Covered | Typical Limits | Annual Premium |
|---|---|---|---|
| Public Liability | Third party injury/damage claims | £1M - £10M | £200 - £800 |
| Employers' Liability | Employee injury compensation | £10M minimum | £150 - £500 |
| Product Liability | Farm produce causing harm | £1M - £5M | £100 - £400 |
| Business Interruption | Lost income after insured event | 12-24 months | £300 - £1,200 |
Specialist Agricultural Risks
Weather-Related Risks
Extreme Weather Events
Floods, droughts, hailstorms, and temperature extremes
Seasonal Variations
Unseasonable weather affecting planting/harvesting
Climate Change Impact
Increasing frequency of extreme weather events
Disease & Health Risks
Livestock Diseases
Foot and mouth, BSE, bird flu outbreaks
Plant Diseases
Blight, fungal infections, bacterial diseases
Contamination Risks
Soil, water, or feed contamination issues
Farm Diversification Coverage
Modern Farm Enterprises
Agritourism Activities
- • Farm stays and holiday accommodation
- • Educational visits and school trips
- • Farm tours and experience days
- • Wedding and event venues
- • Pick-your-own operations
Commercial Activities
- • Farm shops and cafes
- • Renewable energy generation
- • Storage and logistics services
- • Equestrian facilities
- • Processing and manufacturing
Claims Process & Risk Management
Preventing Claims
Biosecurity Measures
Strict protocols to prevent disease outbreaks
Weather Monitoring
Early warning systems and protective measures
Equipment Maintenance
Regular servicing to prevent breakdowns
Safety Training
Staff training on health and safety procedures
Making Claims
Immediate Notification
Contact insurer within 24-48 hours
Document Everything
Photos, records, veterinary reports
Professional Assessment
Agricultural loss adjusters evaluate claim
Minimize Further Loss
Take reasonable steps to prevent escalation
Frequently Asked Questions
What does agricultural insurance typically cover?
Agricultural insurance covers farm buildings, livestock, machinery, crops, public liability, employers' liability, and business interruption. It can also include coverage for farm diversification activities and environmental risks.
Is crop insurance worth it for small farms?
Crop insurance can be valuable even for small farms, as weather events and disease can devastate entire harvests. The cost should be weighed against potential crop values and your financial ability to absorb losses.
How does livestock insurance work?
Livestock insurance covers death from disease, accident, or weather. Policies can be for named perils or all-risks. Coverage typically includes veterinary fees, disposal costs, and replacement value based on market prices.
Are there government schemes for agricultural insurance?
Yes, the UK has various government-backed schemes including Basic Payment Scheme, Environmental Land Management schemes, and disaster relief funds. However, these don't replace the need for comprehensive private insurance.
How are farm buildings valued for insurance?
Farm buildings are typically valued on a rebuilding cost basis, considering modern construction methods and compliance with current regulations. Agricultural buildings often have different construction standards than residential properties.
Does agricultural insurance cover farm diversification?
Many modern farm policies include coverage for diversification activities like farm shops, holiday lets, events, and renewable energy. However, additional liability and business interruption cover may be needed.
Secure Your Farming Future
Get comprehensive agricultural insurance quotes from specialist farm insurers. Compare coverage for livestock, crops, equipment, and farm business operations.