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Insuring your farm, its buildings, livestock and business liability
As a farmer, your home and your farming business go hand-in-hand and making sure that you have everything covered under your farm insurance policy leaves you free to concentrate on making your farm a growing success. Because your insurance requirements are specialised, (typically a combination of business and household insurance), you can take full advantage of insurance products that have been created specifically for those in the farming industry, including farms of all types, sizes and locations.
"There is a lot to insure - the farm buildings and equipment, agricultural vehicles and livestock - and that's before you get into the usual business insurance considerations like public and employers liability cover"
Depending upon what you are farming – livestock, crops, dairy – your insurance needs will require an insurance policy that can be adapted to your particular circumstances. This is not a ‘one size fits all’ approach as each farm will be different.
Most farm insurance policies will provide buildings and contents cover for your own living accommodation or farmhouse, as well as cover for your outbuildings, storage facilities and farm motor vehicles – cars, trucks and agricultural vehicles. However your farm is also a business that requires very specific insurance cover for those areas that are not included under a conventional business liability insurance policy. As well as public and employers liability insurance, full reinstatement cover for your livestock is essential, as is cover for any potential disease risks, either local or national. For dairy farmers, you will require cover for your dairy herd plus milking machinery and storage tanks.
Road risks cover may be required for your agricultural vehicles, tractors and trailers, and you might also require insurance cover for livestock being taken to and from market.
If you are considering your farm insurance premium, perhaps you have received your annual insurance renewal notice and you would like to compare farm insurance quotes, then please click the orange 'Get a Quote' button on the right side of this web page. You will be asked to complete a very simple form, the details of which will be sent instantly to an insurance broker that specialises in arranging comprehensive business insurance cover for farmers and their farm businesses. You will be asked for additional details and a quote will be provided without obligation, so you can compare this with what your existing insurance company or broker is quoting.
Whatever type of farm or agricutural business you operate, such as a dairy farm, arable farm, livestock farm, poultry farm or a mixed farm, QuoteRack can provide you with access to some of the most comprehensive and competitive farm insurance available.
Resources for Farmers
Home of the National Farmers' Retail & Markets Association
The official website of the Royal Association of British Dairy Farmers
Details about the Tenant Farmers Association
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"We needed an insurance broker who specialises in farming insurance - as farmers, our insurance requirements are very specific and someone who understands the farming industry would be invaluable"
"The farm had been insured with the same insurance company for years, I had never considered shopping around for farm insurance quotes as I didn't realise that it would be worth my while comparing what farm insurance cover was available elsewhere"