From smallholdings of a few animals to larger, more complex operations, our farm insurance can protect your livelihood and your future.
As the country’s leading rural insurer, we deliver tailored insurance policies to suit you and your farm.
It’s what sets us apart. That, and our comprehensive range of products and financial services designed to give you peace of mind. Whether you’re looking to insure your farm, plan for its future or keep everyone safe, we can help find a service that’s right for you.
What's more, our farm insurance customers can enjoy automatic premium discounts of 10% for a 3 year commitment or 15% for 5 years. In addition to this commitment you could also benefit from further discounts with Union Advantage. Union Advantage is only available to those who are a member of a farming union.
Our policies are tailored to your needs, so whether you want to cover more or less than 50 hectares, you can be sure of the perfect fit.
Farming Products
Our Smallholder Extension covers land adjacent to or nearby the home, that is used for growing small scale crops or raising livestock flocks and herds.
Designed specifically to protect the risks that come with your activities, our cover can be added simply to your NFU Mutual Home Insurance policy.
Farm Essentials is specifically designed for those who want to protect their farm house, buildings, machinery, livestock and grounds from events that will significantly interrupt the running of a business. Cover for farms up to 50ha, as well as small hill farms that meet the acceptance criteria.
Our cover provides:
- Insurance for farms up 50 Hecteres
- £10m Public and Product Liability cover to protect your business if it’s held responsible for accidental injury to clients, customers, or the public
- £10m Employers' Liability cover to protect your business and its employees, as well as your family and friends if they’re injured or become ill due to their work on the farm
- Day-one reinstatement buildings cover up to £300,000 and contents cover up to £50,000 – including a 15% increase on your property sums insured to combat inflation
- Cover for farms up to 50ha, as well as small hill farms that meet the acceptance criteria
- Cover for farming stock up to £20,000
- £250,000 Legal Expenses cover to safeguard your business and employees during legal disputes, providing your claim has a reasonable prospect of success, including access to our legal advice helpline and online legal employment manual
- £2m Environmental Liability cover to protect your business if your farming activities or waste results in injury, environmental or biodiversity damage.
Comprehensive insurance for larger or more diversified operations over 50 hectares, offering protection, from your animals to your buildings.
Our cover provides:
- Day-one reinstatement buildings and contents cover, including an automatic 15% increase on your property sums insured to combat inflation
- £10m Public and Product Liability cover to protect your business if it’s held responsible for accidental injury to clients, customers or the public
- £250,000 Legal Expenses cover to protect your business and employees during legal disputes, including access to our 24/7 legal advice helpline and online employment manual
- £2m Environmental Liability cover to protect your business if your farming activities or waste results in an injury or pollutes property or the environment
Whether you have tractors, combines, balers or rely on quad bikes and movers our comprehensive Agricultural Vehicles policy provides cover to meet your needs.
- If your vehicle is less than one year old when written off or stolen, we’ll replace it with a new one
- Trailers and implements are covered up to £500,000 – including horse and livestock trailers
- Damage to electrical wiring, ECUs and alternators caused by a short circuit
- Discounts of up to 25% for vehicles fitted with a Thatcham-approved security device
Our cover provides:
- £5 million Public Liability cover for third party property damage
- Goods in transit cover up to £1,000
- A claims service managed by farming specialists who can support you quickly in the event of a vehicle being damaged during a busy period, such as harvest
- Expert service from our Local Agents and engineers who work closely with manufacturers and security firms
Our Comprehensive Agriculture Vehicle Insurance provides extensive cover for vehicles at least 25 years old. Whether you’re taking it for a drive or showing at agricultural events, the only thing you’ll need to worry about is enjoying the ride.
We offer a range of specialist contractor covers with a tailored approach, whether you’re purely an agricultural contractor or you primarily farm your own land. You’ll need to have an existing Farm Select and Commercial Select product to enable this.
The additional cover available includes:
- Crop management – we will indemnify you if you damage someone else’s crops due to spray drift or spreading fertiliser in the wrong place
- Agricultural payments – you’re covered if you accidentally cause a reduction in another farmer’s BPS (or future scheme) payments.
Selling your livestock can come with risks, which is why our Luckpenny Insurance offers comprehensive protection should the worst happen.
With cover against death or slaughter on humane grounds, both you and your buyers can rest easy knowing your livestock is covered from the moment the auction ends.