Business insurance for Farm shops


Protect your farm shop with business insurance from Hiscox.

People rely on your farm shop for the best quality products, from farm fresh eggs to local meats. But things can sometimes go wrong, even at the heart of your community. A simple slip-up or damage to stock could lead to pressure on your purse strings.

Stay ahead of everyday challenges. Tailor insurance to your farm shop’s needs with Hiscox.

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Why choose Hiscox for your farm shop insurance?


1

Cover from just £8.40*

Our farm shop insurance quotes start low. Pay monthly. Cancel at any time.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024

2

Customer service excellence

When problems strike, a friendly ear can help. We hold the Feefo Platinum Trusted Service Award.

3

A legal support helpline

If your farm shop finds itself in a legal tight spot, Hiscox insurance comes with telephone support.

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Get a quote for business insurance and any covers you might need.

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Why do farm shops need insurance?


A problem product

Your signature farm product is known for its quality. That’s why customers travel for miles to your shop. Maybe it’s your free-range Christmas turkeys. It could be the organic milk that makes delicious summer shakes. Or even raw honey from local beekeepers.

When one of your suppliers says there’s a contamination issue, you put up a product recall notice. Still, it’s hard to reach every customer. If someone gets sick, they might sue your business. Products liability insurance can help your farm shop to withstand the costs.

Shopkeeper injuries

Farm shops often need staff to work at their best. Prime cuts of beef don’t slice themselves, and someone needs to organise fresh vegetable deliveries. It’s a busy environment.

When your apprentice drops a dozen eggs, they rush to clear the mess without putting up a wet floor sign. A moment later, your shopkeeper slips, hitting their head on the deli counter. Despite treatment, they sustain long-term vision problems. Employers’ liability insurance protects your farm shop from the impact of legal action.

Stock theft

They say the early bird catches the worm. But even early risers might not catch thieves in the act. One morning, you arrive to find your storeroom has been raided. Meat freezers lie empty, fridges overturned. Overnight, you lose stock worth thousands.

Fortunately, your farm shop has stock cover as part of its business contents insurance. While you clean up, we can help pay for your losses.

What insurance is available for farm shops?


With Hiscox, business insurance is tailored. Some farm shops may also add cyber insurance or legal protection insurance. There’s personal accident cover for times when a key person is injured. Plus, equipment breakdown insurance in case a machine suffers a mechanical or electrical fault.

The step-by-step process of applying for the relevant insurance policies was fast, easy to understand and very transparent. I also found the price to be reasonable, considering I'm covering both public liability and a range of expensive equipment.
Mark Freeman
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Not sure what you need? Tell us about your farm shop business.

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Insurance for farm shops: FAQs


What insurance do you need for a shop?

For a shop, you might need public liability insurance. Shops, including farm shops, are busy locations. If customers slip or trip on your premises, you could be held liable for injuries. Without insurance, you might need to pay compensation yourself.

Products liability insurance can also be relevant for a shop. This protects you financially if a faulty or contaminated product causes illness. It might be a farm shop product, such as meat, cheese or bread.

Your shop might also need employers’ liability insurance by law if it employs staff.

Can you cover other parts of my farm shop business?

If you run both a farm shop and a farm, Hiscox can only cover the retail side of your business. We do not currently offer business insurance to farms.

However, there might be other parts of your work we can help to insure.

We can help if your farm shop also has:

These activities come with their own set of risks. Tell us about the other work you do, and we can build a business insurance quote to meet your farm shop’s needs.

What does farm shop public liability insurance cover?

Public liability insurance can cover a farm shop for legal fees and compensation payouts. This applies if someone outside your business – like a customer, courier, or supplier – is injured on-site. It can also act if someone sustains property damage, and they say your business is to blame. For instance, if a visitor trips on uneven flooring and drops their mobile phone. 

Public liability insurance can cover up to £10 million for legal fees. It can also help to pay compensation and court attendance fees. This can pay up to £250 per day if a director is summoned to court as part of a claim.

How can business insurance respond to problems with a farm shop product?

Business insurance can act as a safeguard if you sell farm produce. Or if you process, bake or pack farm-fresh food items.

As a food merchant, you could be held liable if you sell something that makes someone ill.

For instance:

  • A local farm whose chickens you supply could suffer an outbreak of salmonella
  • Your assistant could mislabel a freshly baked cake, causing an allergic reaction in one of your customers.

Products liability insurance, which is included with public liability cover, can help offer financial help if your farm shop faces legal action.

How much is product liability insurance for a small business in the UK?

For a small business in the UK, public and products liability insurance costs start at £5.20 per month with Hiscox*.

Products liability insurance is included, so you’ll buy it as part of your public liability policy.

*Figures based on an average of all public liability policies sold to at least 10% of our customer base between April 2023 and April 2024

Can business insurance cover my farm shop at markets and trade fairs?

Yes, business insurance can cover your farm shop business on the go. This includes activities at markets and trade fairs. For instance, if you have public liability insurance, this can also cover accidents at your temporary stand.

If you take equipment to markets and fairs, you might need extra cover for this. Portable equipment insurance covers property away and in transit.

Does business insurance cover lost stock if my freezer breaks down?

Yes, business contents insurance can cover accidental damage to farm shop stock. This includes perishable items thawing due to a faulty freezer or power cut. You must keep us updated on the total value of your farm shop stock for this to apply.

Note that you’d need an extra cover – equipment breakdown insurance – for help with freezer repairs in such a scenario. This product can step in if your appliances stop working due to an electrical or mechanical malfunction but not due to wear and tear.