Estates Insurance

Comprehensive cover for your part of the countryside

Owner, resident estate manager or land agent, there’s a lot to think about when running an estate.

Whether you take a traditional approach or have an appetite for innovation and have diversified, there are countless things to consider:

  • A listed building of historic interest
  • An estate that houses a collection of fine art or classic cars
  • A large working farm with farm shops, public access and rental properties
  • A mansion house that opens its doors to the public and hosts special events, such as weddings.

Whatever type of estate you run, it will be unique and the insurance requirements complex. We recognise that every estate is different and understand that one size doesn’t necessarily fit all. With our Estates Select insurance policy we offer tailored insurance cover to protect you should the worst happen.

We can cover you for:

  • Property - Cover for buildings (including houses and cottages), contents and stock, which you can protect against damage caused by common risks such as fire, flood, storm or escape of water. Alterations, additions and improvements can also be covered for 90 days. This will be up to 15% of the amount you’re insured for, and up to a maximum of £500,000
  • Liability - You or your employees may be held responsible for accidental injury to visitors, customers or the public, or for damage to their property. Our normal cover is £10 million but you can choose higher limits. 
  • Legal expenses - Legal disputes can stretch the resources of any business. They can be complicated, costly and time consuming. We can help protect you and your employees during legal disputes, providing a specialist lawyer to advise and support you, and cover against legal costs, up to £250,000
  • Livestock - We offer a range of cover for your herd to suit the needs of your business, protecting you against specific causes you choose, up to £10,000 for individual animals as standard. 

We’ll use our expertise and knowledge of your environment to recommend cover that has specific benefits to your estate. It’s flexible, so you can choose cover that meets your needs now and in the future.

Find your local NFU Mutual office and have a real conversation about your business needs, and see why 9 out of 10 business insurance customers choose to stay with us year after year.