farmer feeding cattle in a shed

Everything you need to know about farm insurance

Farm insurance protects many different aspects of your farm.

This can include damage to livestock, house and buildings, machinery, and technology, as well as legal liability in the event of a claim against you.

But no two farms are the same and cover is broad as a result. We’ve put together a handy guide to help you better understand farm insurance.

 

Who needs farm insurance?

Anyone who runs a farm is likely to need some form of farm insurance.

The type of policy you need will vary because farms come in all shapes and sizes. It’s important to make sure the level of cover reflects your needs.

 

Types of farm insurance cover

Farm insurance has a broad scope and there a number of different types of cover.

 

Farm buildings and contents cover

This cover protects against damage to farm properties caused by fire, vandalism, and flooding, for example. It can include farming and dairy equipment, machinery, and silage.

It’s also important to cover domestic property, especially if the buildings are in close proximity to the farm. A household buildings and contents policy covers domestic buildings, plus items like jewellery and other valuables.

 

Livestock cover

Livestock cover is important for farmers in the livestock business. Animals can be killed, fall ill, stray or even be stolen. Depending on the farm insurance package, this can cover individual animals or livestock herds.

 

Liability cover

Farmers may also need to cover themselves against legal liability. There are a number of different types of liability cover that can be added to a farm insurance policy.

Public liability, for example, covers you if a member of the public is injured on your farm or if stray animals cause damage to someone else’s property. Product liability would be needed if a person becomes ill after using a product from your farm.

Employer liability protects against injury to an employee as a direct result of working on your farm, while environmental liability covers against the cost of repairing any environmental damage caused by work on your farm.

If you’re not sure what sort of liability cover you need, a member of our farm insurance team will be happy to help.

 

Agricultural vehicle cover

Vehicles are key to the day-to-day running of your farm and should be a priority in your farm insurance policy.

Agricultural vehicle cover offers protection for farm vehicles like tractors, combine harvesters and quad bikes. This cover can also include commercial vehicles specific to your farming business, like lorries or pickups.

 

Smallholder cover

A smallholder policy is useful if your land is smaller than a full-time farm.

Smallholdings are often a hobby or passion rather than a commercial business and standard cover can include protection from flood or storm damage, theft or material damage.

 

Extra farm insurance cover options

Insurers also offer extra farm insurance options to increase your level of cover. These include loss of revenue, milk in tank, personal accident, and sickness cover.

Some farmers may also consider personal insurance policies like life or health cover.

 

Farm insurance needs to be tailored

All farms are different, so farm insurance needs to be tailored to create a package that meets your specific needs and requirements.

AbbeyAutoline also offers Farm Combined Insurance. This is designed to bring multiple aspects of farm insurance into one policy. The cover can be adjusted so the level of protection suits your individual needs.

Our dedicated farm insurance team can help you choose the right cover. Call us on 08000 66 55 44 to tailor your policy today.

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