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Policy overview

Multi Cover Agriculture

Weather disruptions. Outbreaks of disease. Our agricultural insurance policies are designed for the farming industry’s unique challenges, which means there are no cut corners that might leave your clients out in the cold.

And with investigations handled by a sector specialist, every part of the claims process comes with rural agriculture expertise, so your clients don’t have to spend time explaining how their business works.  

The policy includes
  • Business risk
  • Commercial legal expenses
  • Engineering breakdowns and inspections
  • Environmental impairment liability
  • Frozen and refrigerated food
  • Household buildings and contents
  • Liabilities (including EL/PL financial loss)
  • Livestock (including disease and mortality)
  • Loss of money
  • Loss of revenue
  • Material damage (including to farm buildings and property)
  • Personal accident and sickness
  • Personal assault
  • Personal legal expenses
  • Personal possessions
  • Property in transit
  • Public liability
  • Terrorism
  • Uncollected milk
What we cover
  • Arable farming
  • Beef farming
  • Beekeeping
  • Fish farming
  • Fruit farming
  • Horticulture (excluding certain risks such as glasshouses and polytunnels)
  • Milk and dairy farming
  • Pig farming
  • Poultry farming (excluding battery or intensive farming)
  • Rabbit farming
  • Sheep and goat farming
  • Worm farming
  • ‘Mixed’ combinations of any of the above
What we consider
  • Anaerobic digestion plants, wind turbines, and hydro-electric/solar installations for personal use or that supply to the national grid
  • Horticulture (including glass houses and polytunnels)
  • Intensive livestock rearing
  • Mushroom farming
  • Non-traditional livestock (including alpaca, llama, and deer)
  • Share farming
  • Specialised growing, rearing, seed production, and young plant production where financial loss cover is requested
What we normally decline
  • Agricultural contracting as a primary activity
  • Animal feed processing
  • Caravan parks as a primary activity
  • Contract rearing
  • Exporting to Canada and the USA
  • Genetically modified crops
  • Haulage on a commercial basis
  • Hay and straw dealing
  • Hunting
  • Liveries and riding stables as a primary activity
  • Processing (including cheese or poultry)
  • Risks located outside England, Scotland, and Wales
  • Stud farming
  • Waste recycling and storage