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Policy overview

Multi Cover Agriculture

From weather disruptions to outbreaks of disease, our agriculture policies are designed for the farming industry's unique challenges. We offer a multi section policy to cover all elements of your agricultural business and provide further support with a robust home and contents section.

When a claim happens, having a knowledgeable, dedicated farm claims team is invaluable. We're now working with Sedgwick, specialists in claims handling across farm property and liability risks.

The policy includes
  • Business risk
  • Commercial legal expenses - embedded
  • Engineering breakdowns and inspections
  • Environmental impairment liability - embedded
  • 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 - diversification
  • Terrorism
  • Uncollected milk
What we cover
  • Agricultural contracting
  • Arable farming
  • Beef farming
  • Beekeeping
  • Fish farming
  • Fruit farming
  • Horticulture (excluding certain risks such as glasshouses and polytunnels)
  • Land let for agricultural purposes
  • 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
  • Animal feed processing
  • Caravan parks as a primary activity
  • Exporting to Canada and the USA
  • Genetically modified crops
  • Haulage on a commercial basis
  • Hay and straw dealing
  • Hunting
  • Processing (including cheese or poultry)
  • Risks located outside England, Scotland, and Wales
  • Stud farming
  • Waste recycling and storage