Business insurance for Farmers

Farming takes organisation, dedication and hard work, but whether you’re raising livestock, growing crops or running a dairy farm, insurance is important. You need to safeguard your produce, your employees, your equipment and members of the public too. In an industry that involves heavy machinery and carries the risk of accidents and injuries, business insurance for farmers offers protection against a wide range of risk factors which, without the right cover in place, could threaten your business.

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Insurance for farmers – why it matters

Whether you own a smallholding or a much larger operation, your farm needs to run like clockwork, but you can’t control everything. On a farm, where you’re dealing with heavy equipment, chemicals and specialist tools, an unexpected incident could have major consequences. We can help you to tailor a business insurance policy that protects you, your staff and members of the public as well as giving you peace of mind about your equipment and machinery.

Why farmers need insurance

Injured employees

Farming is physical and if someone gets into difficulty, injuries could be serious. If someone who works for you has an accident, then whether they're full-time or just helping out, they might take action against you. At the same time, if a visitor to your farm is injured, even if you don’t feel it’s your fault, you could be facing a compensation claim. Employers’ liability insurance and public liability insurance mean you don’t have to deal with the consequences alone.

Personal accidents

There’s no real downtime when you live on a farm, which is why the prospect of being unable to work because of an injury is worrying. No matter how careful you are, you know it’s always a risk – something heavy could fall on you or you could slip from a ladder and end up with a stay in hospital. Personal accident insurance will help with expenses so you can focus on your recovery.

Cyber crime

From dealing with orders to navigating business deals and managing your finances, the internet is likely to feature in your business model. That means storing data about clients and suppliers, and if it’s accidentally shared or stolen, it could be expensive and embarrassing to put right. Cyber and data risk insurance will help to cover the cost to your business so you can get through the incident quickly and keep damage to a minimum.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your farm. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for farmers

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These are just some of the types of business insurance for farmers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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