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Farm insurance UK, farming insurance combined

House and farm insurance

We're here to help with your combined home and farm insurance

We know you're busy running your farming business, so we're here to simplify your insurance matters. Whether you focus on arable, pastoral or mixed farming, we can arrange cover that combines your property and farming insurances into one easy-to-manage policy.  

You can relax, knowing the critical areas of your business and your property are protected, leaving you time to concentrate on doing what you do best. 

How our farm insurance team can help you

Our team of farm insurance brokers are industry experts.

We work with approved insurers that understand the challenges and risks you face. We'll review the cover you have in place, identify any areas your farm and home insurance leaves you exposed and arrange protection that's right for you.

With many years of experience in agricultural insurance, it's safe to say your home and farm insurance is in good hands.

We can also arrange lifting equipment inspections – part of your legal requirement – one less thing for you to worry about.

Get in touch with our farming insurance experts

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Farm property

Farm building insurance covers damage to your buildings, produce, deadstock, machinery and tools.
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Home and farm

Protection for your family home, its contents and any property you let to tenants.
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Covers your herds and flocks based on risks of fire, lightning, electrocution, impact, malicious damage and theft. Additional cover can be arranged, including fatal injury of your livestock while straying on your premises and while in transit.
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Business interruption

For loss of income and additional costs resulting from the incident for which you are insured.

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Public and products liability

Protects your business in the event of third party injury or third party property damage caused by you.
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Environmental liability

Having appropriate cover under your farm insurance policy could be crucial in avoiding unexpectedly large bills for clean up costs.

A farmer preparing to keep others safe on his farm

Employers liability

Protection if one of your employees sustains an illness or injury when working for you and claims compensation. This includes permanent employees and casual labourers or family and friends assisting on your farm.
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Personal accident and sickness

Will be paid for up to two years if you or your employees are unable to work due to illness or accident.

Frequently asked questions

Many machines around a farm require regular checks including: steam boilers, air pressure plants, refrigeration plants, hot water heating/supply systems,fork lift trucks, lifting plant including blocks and tackle,personnel lifts, excavators/loading shovels, telehandlers, general electrical/mechanical plants.
As a contractor, much of the work you do on your client's farms involve day-to-day risks, involving:
  • Injury to others
  • Damage to crops
  • Livestock
  • Equipment
  • Theft of property
  • Illness
  • Weather events
  • Legal costs
These are just a few examples; there are many more that can have a devastating impact on your business. By having the correct farming contractors insurance in place, you will be protected from these risks when you need it most.
Many machines around a farm require regular checks to keep them in good working condition and to ensure they comply with Provision and Use of Work Equipment Regulations 1998 (PUWER).1
If you are held responsible for an incident that's caused environmental pollution, the Environment Agency has the power to impose cleanup costs upon you. This includes the costs incurred by their consultants or contractors. Accidents happen, so we would strongly recommend you protect yourself against the possibility of causing environmental liability.
As an agricultural contractor, you need to protect yourself against compensation claims made by a member of the public for injury or damage to their property. For example, someone may trip over your tools when you're working and sustains an injury. If you're held responsible, your public liability insurance could cover the legal fees and compensation costs.
Yes, if you are held responsible for a pollution event, the Environment Agency has the power to impose these clean up costs upon you, including the costs incurred by their consultants or contractors and even where the event occurs on your own land. Find out more about environmental liability cover. We provide a specialist legal expenses cover for farmers that includes: contract disputes, criminal prosecution, wrongful arrest, employment disputes, property disputes, tax, arbitration and agricultural land, Basic Payment Scheme, personal injury and more. There are so many risks in farming. Injury to your employees or members of the public, damage to your crops, livestock, equipment, theft of property, illness, weather events, legals costs and many more that can hurt your business. Having the correct insurance in place will protect your farm and your business.