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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
- 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 legal expenses
- Personal possessions
- Property in transit
- Public liability - diversification
- 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