UK Farming Business Insurance, from a Specialist Broker

Like any business, farming businesses face risks and as specialist insurance brokers we know in-depth the types of issues you face and the best way to protect you when things go wrong.

Whether you’re a farm tenant, owner of a large-scale agricultural business or smallholder, your livelihood relies on the continuity of your business. Physical risks, such as damage to property or livestock by fire, storm or flood can interrupt the running of your business. You also need to ensure you are protected against claims in the event of an accident involving the public or employees, including friends and family.

Today’s farms are complex businesses, often heavily diversified with many income streams and this is a great buffer against natural or economic shocks. Our policies recognise the nature of modern farm businesses so are flexible to choose additional cover to protect you however you run your farm.

As a farm insurance broker with offices in St Austell and Plymouth, and our own specialist provider based in Darlington, we are dedicated to working with you to find the ideal combination of insurances that meet your needs.

Very friendly and helpful easy to talk to person on the phone, which guided me through the cover I needed, good reasonable price as well.

Mr B Thomas

Excellent service and communication A1 thank you.

Mr C Carroll-Beer

Excellent no nonsense service from a very reputable insurance broker! Look forward to my annual renewal in October with Rowett insurance.

Mr S Hanratty
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OUR POLICIES CAN COVER YOU FOR

  • Farm Property
  • Farm Money and Malicious Attack
  • Farm Goods in Transit
  • Employers Liability
  • Public and Products Liability
  • Environmental Liability

Additional Cover You Can Choose:

  • Livestock (including while in transit)
  • Loss of Income
  • Commercial Legal Expenses
  • Professional Expenses for Arbitration and Agricultural Land Tribunal Hearings
  • Group Personal Accident
  • Plant and Machinery – Engineering Insurance and Inspection Services

YOU CAN ALSO CHOOSE WHICH EVENTS YOU WANT TO INSURE YOUR FARM’S ASSETS AGAINST
Fire (including fire caused by spontaneous fermentation); lightning and explosion; aircraft and earthquake; escape of water (from tanks, apparatus or pipes); storm and flood; impact from vehicles or animals; theft or attempted theft; malicious damage; straying; worrying; subsidence; or accidental damage.

Depending on the insurance provider and policy, cover can include:

  • Reinstatement of buildings and contents
  • Theft of tools, riding tack or vehicles such as trailers and quad bikes
  • Machinery and materials for the construction of buildings
  • Damage to underground pipes, cables or tanks
  • Deterioration of stock in a freezer or fridge
  • Farm contents hired or borrowed from a neighbour
  • Damage to buildings following theft
  • Locating an escape of water or oil, and repairing damage caused by the search
  • Cost of replacing locks
  • Unauthorised use of gas, water or electricity
  • Enforced sale of undamaged agricultural produce
  • Removing asbestos following damage to your buildings
  • Removing debris and demolishing or shoring up property
  • Fuel spillage clean-up
  • Loss of metered water
  • Alterations to your property
  • Fire extinguishing costs
  • Professional fees incurred in repairing your property

Click the headings below to find out more about each type of cover...

PROPERTY
This is cover for your buildings, contents and stock, which you can protect against damage caused by events such as fire, flood or escape of water. You can tailor your cover to meet your needs.
MONEY AND MALICIOUS ATTACK
This protects your money against loss or theft at your premises, and while you’re taking it to the bank. If you or your employees are assaulted during a theft, policies can also provide a range of benefits for disability or death.
GOODS IN TRANSIT
This protects your goods, other than livestock, while they’re in transit in your vehicles.
EMPLOYERS LIABILITY
This protects employees of your farming business if they’re injured or become ill due to their work. As an employer, you have a legal responsibility to arrange employers’ liability insurance.
PUBLIC AND PRODUCT LIABILITY
Protection in case you or your employees cause accidental injury to customers or the public, or damage to their property. You are also covered for injuries or damage caused by your products.
ENVIRONMENTAL LIABILITY
Even with the best intentions, agricultural businesses can cause environmental damage – for example, damage caused by a fire, damaged drains, the run-off from silage or the use of insecticides and fertilisers on your land. The potential cost of putting right the damage can be very high, and environmental problems need resolving quickly to protect a farm’s reputation. This covers your legal liability to pay compensation for pollution which results in injury, or property, environmental, or biodiversity damage plus the cost of cleaning up your own premises.
LIVESTOCK HERD
This provides specific cover for the death or slaughter on humane grounds of your livestock. We provide cover for individual animals and you can choose to protect your animals from events such as fire damage to a pig herd or worrying of a flock of ewes.
LIVESTOCK IN TRANSIT
As above but for your livestock when it’s transported or loaded in or out of a vehicle or trailer.
LOSS OF INCOME
If you’re unable to operate due to an unexpected event, such as damage to your property caused by fire or flood, this cover can help protect your business. You can cover loss of income and select an indemnity period that reflects how long you would need to get back to normal.
COMMERCIAL LEGAL EXPENSES
Legal disputes can stretch the resources of any farm business. Our policies can help protect your business and employees during legal disputes, providing support, advice and cover against legal costs.
PROFESSIONAL EXPENSES
Specialist cover to protect your business during an agricultural tenancy dispute, providing support, advice and cover against legal costs and expenses.
GROUP PERSONAL ACCIDENT
This protects you and your employees against the financial impact of death or disability following an accident or illness. You can choose from a range of benefits, which you can tailor to your needs.
PLANT AND MACHINERY
Choose from a range of engineering cover to suit the needs of your farm business such as: inspections of plant to help you comply with regulatory and health and safety obligations; or accidental damage and breakdown of plant and machinery.

As a specialist farm insurance broker, we can offer policies from the following insurance providers:

  • AGRi Insurance
  • iFarm Underwriting
  • Geo Agriculture
  • NIG Farmweb
  • Alan Boswell

We’ll work with you to understand your specific needs and find the best combination of policies at the best price. For all farm businesses, choose Rowett Insurance to select from the best farm insurance companies in the UK.

Get a QuoteGet your free farm insurance quote now

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