We use cookies to give you the best experience and help us improve our website.

Find out more about how we use cookies.

Speak directly to our team

01603 218000

No matter where you are or what type of farm you run, it’s essential to protect your buildings, staff, stock and machinery. Quality farm insurance provides cover for all these and more, offering you peace of mind knowing your livelihood is protected.

As farming becomes more diverse it makes sense to seek professional advice to ensure all risks are appropriately covered.

  • Comprehensive cover for all your business activities
  • Specialist team with extensive experience in farming and agricultural insurance
  • Personal service with regular reviews of your insurance
  • Unique product only available to Alan Boswell Group
  • In-house loss adjuster and claims team for speedy and efficient service
  • UK coverage

The Alan Boswell Group Difference

ABG Difference

Farming is one of our fields of expertise and we really do believe you reap what you sow! We have heavily invested in our farming expertise with dedicated farm experts across our offices, our own unique farm scheme and farm specialists within our claims team. The farm insurance we offer and advise on will be specifically designed for your business.

How our customers rate us

Spot on with communication and assistance.

Mr Wells - Farmers Combined Insurance

Farm Insurance in detail

There is a vast array of products available for farm and agricultural businesses, with a number of additional products and covers available dependent on the activities of your farm.

Cover options

  • Material Damage Insurance Cover for your farm buildings, machinery, contents, stock and other assets.
  • Livestock Insurance Cover for loss or injury/death as well as cover for some infectious diseases.
  • Hail Damage Insurance Hail cover for certain types of crops.
  • Engineering breakdown and inspection Protecting any essential equipment used on your farm, including legal requirements.
  • Public Liability Insurance Essential protection against claims made by members of the public.
  • Employers' Liability Insurance Protection against claims made by employees.
  • Environmental Liability Cover for environmental damage caused from your land.
  • Vehicles Cover for single tractors up to a farm fleet. Can include cover for farm trailers whether they're attached or not.
  • Insurance for Estates Cover for mansions and their contents, properties that open to the public.
  • Special events insurance For social and corporate events e.g. weddings.

It is vitally important that all business activities are declared when placing your insurances. Failure to declare an activity no matter how small or occasional could render your insurance invalid.

FAQs

  • Farm insurance is specialist insurance specifically for individuals or companies in the agricultural sector. It’s designed to protect buildings, equipment, stock and staff, and in most cases will be made up of a selection of insurance products chosen to meet the customer’s specific requirements.

  • Anyone involved in agricultural work could have a need for farm insurance, whether they run a hobby farm, smallholding, larger working farm or country estate.

  • A standard farm insurance policy (or policies) will usually cover a wide range of aspects to ensure you are protected against all potential risks. This means including covers such as farm buildings insurance; farm contents (e.g. machinery and plant, arable ‘inputs’ and growing crops, computers, mobile phones, GPS/satellite navigation equipment etc); livestock; vehicles; business interruption and loss of revenue; employers’ liability; public and products liability; directors and officers liability; personal accident and sickness; environmental impairment liability; goods in transit; commercial legal expenses; and household buildings, contents and personal belongings.

  • There are various additional covers that can be added on to a standard policy. For example, livestock disease cover; fatal injury to livestock; hail damage cover; engineering cover for renewable energy plant such as biomass boilers, wind turbines and solar panels; special events insurance if your land is used as a corporate, wedding or festival venue; and key man insurance, which protects a farm business against financial loss resulting from the sickness, injury or death of an individual who is key to its success. Additionally risk management services should also be considered.

    It’s important to discuss your circumstances with an independent insurance adviser to find out whether or not you would benefit from any add-ons. They can prove hugely valuable if relevant to your business, but there’s no point in paying for cover that you’ll never use.

  • Yes, standard farm insurance policies should provide cover for anything from a single quad bike up to a large fleet of farm vehicles. Cover can include commercial, agricultural and private vehicles, as well as machinery, GPS equipment, trailers, attachments and implements.

  • All policies will have exclusions, but these should be pointed out to you and carefully reviewed before you sign on the dotted line. Two of the most common exclusions are damage caused by wear and tear and damage to third-party property that’s in your care, custody or control.

  • It’s very difficult to answer this question, because premiums vary according to each policyholder’s individual circumstances. The cost will depend on the size of your farm, the level of cover you select and your claims history, among other factors. But, as a rough guide, smallholding policies can be available for as little as £500 per year, while the largest farms and country estates will pay in excess of £100,000. A good attitude towards risk and health and safety will help to keep insurance premiums down.

  • Whether you’re just starting out, changing/expanding your business, or simply looking to review your current levels of cover, the first step is to find an independent insurance adviser with knowledge and expertise in farm insurance.

    Each farm and smallholding will be unique – especially these days, as the public’s interest in self-sufficiency grows and agricultural businesses become increasingly diverse in order to remain profitable. An experienced insurance broker will be able to identify your specific needs and advise you accordingly. He or she will also have access to several markets in which to search for the most suitable policies.

  • We provide a commercial insurance service in addition to farming and agriculture so will be able to approach a wide selection of insurers to place diversified risks.

  • No, unlike some of our competitors we are able to select from a wide panel of insurance companies. Risk appetite differs between companies and we are able to choose the best policy for you at the most competitive price.

Get in touch

Speak directly to our team
01603 218000
Request a callback Request a callback
Request a callback
Callback Enquiry
Callback Enquiry
  • Contact Details

  • If applicable
  • This field is for validation purposes and should be left unchanged.
Send an enquiry Send an enquiry
Send an enquiry
Business Insurance Enquiry
Business Insurance Enquiry
  • Contact Details

  • Enquiry Details

  • This field is for validation purposes and should be left unchanged.
Lesley Billings
Lesley Billings

Business Insurance Adviser

Lesley has started as a personal lines advisor at an Insurance Broker’s in 1992 and then in later years headed the personal lines team. She…

Rob Reeve
Rob Reeve

Associate Director

In 1990 Robert Reeve joined General Accident in Cambridge as a Commercial Underwriter, before moving to Ecclesiastical in Cambridge as a Branch Underwriter in 1994.…

Mike Henderson
Mike Henderson

Account Executive

Mike began his career at Aviva, gaining a wide range of experience, including working on Live Chat and Customer Service. From there Mike took a…

Latest News

farm insurance - covid
Farm Insurance | COVID-19

The impact of the Coronavirus pandemic on business has been well documented but many sectors, including farming, have been considered essential and seemingly impervious to lockdown measures. We take a closer look at the implications of the virus on UK farms and what changes may be needed in the future.

Read more
Hail damage insurance
Why hail damage insurance is vital to UK farming

Join us as we explore the importance of hail damage insurance for farms.

Read more
Farming concerns
Farming concerns in 2016

We take a look at the challenges facing farmers across the UK this year, from falling prices to government restrictions and how you can protect against them.

Read more