Farm Insurance

Farm insurance usually comes as an insurance package designed specifically for agricultural businesses, buildings, tools and produce. It can protect things like farm machinery, livestock, buildings, profits and produce, altogether under one policy.

Farm insurance cover includes:

• Property cover, including farm buildings, produce, deadstock and machinery; home buildings and contents; and let properties
• Employers, public and products liability
• Diversification
• Legal expenses, professional liability and directors’ and officers’ liability
• Environmental pollution
• Loss of revenue
• Livestock and goods in transit
• Income protection
• Specialist all-risks cover, including electronic equipment, computers, farm animal milking and feeding systems, and farm animal semen
• Uncollected milk due to adverse weather and contamination of milk through antibiotics

Each farming operation is unique, so you should ensure that you have a policy tailored to your needs.

Yes, if you have a farm or smallholding, it is vital to have liability insurance of some kind.

An agricultural insurance policy can offer you cover against a wide range of risks which may stop your farm operating, or make it run at a higher cost. This help keeps your livelihood secure in challenging times, whether the issues are caused by machinery and equipment, livestock, buildings, profits and produce.

If you have a small farm as a non-commercial hobby, your standard homeowner’s insurance policy may cover some activities. However, most home insurance will not include liability cover for commercial farming, so it’s important you review your current policy. If you are not covered for commercial farming, you should take out farm insurance.

Yes, our policy covers you against accidental pollution.

Absolutely. We are well versed in assisting farmers who wish to maximise their revenue by diversifying. We have policy extensions already in place which offer you cover for things such as commercial camping, holiday lets and caravans, as well as activities on your land such as walking, cycling and farmers' markets/shops.

• Working farms and smallholdings - cover designed and can be tailored for your farm machinery, produce or deadstock, or farm buildings. For livestock farmers, you can be insured for a wide range of risks including loss of stray animals, theft, transit, mysterious disappearance, electrocution and fire.
• Diversification and personal insurance - With modern farms diversifying away from traditional activities, agricultural insurance can be tailored to different risks. Livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property and even drones can potentially be covered under farm insurance.
• Accidental pollution – farm insurance policies can also include cover against any accidental pollution to the environment.

In order to build a quote for your farm, there are certain things which are required by law in order to be sure we have the correct information to accurately provide tailored cover. When calling to discuss please have ready:

• Information regarding any convictions, motor convictions, bankruptcies, CCJs, HSE investigations and environmental incidents.
• Details of any claims in the last 3 years – Towergate will always ask your current insurers for 3 years’ claims experience if you wish to proceed.

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit

Full terms and conditions are available on request from your Towergate advisor, and in your policy documents.