Farm and smallholding insurance cover

Farm insurance
Smallholder insurance

Summary of insurance cover

  • Farmhouse buildings and contents
  • Farm buildings
  • Machinery
  • Produce and deadstock
  • Business interruption
  • Livestock
  • Employer’s liability
  • Public/products liability
  • Personal accident
  • Commercial all risks

Summary of insurance benefits

(not all sections need be selected)

Public/products liability
£1,000,000 (£2,000,000 or £5,000,000 available at additional cost)

Employer’s liability
£10,000,000

Public liability

Ownership or occupation of land creates the possibility of a public liability claim, where a visitor or member of the public has suffered loss or injury as a result of negligence on your part. This may include the escape of animals from your property.

To protect you from insurance claims of this nature, public liability insurance is the core cover provided by our smallholder's insurance policy, and in addition to farm or grazing land, we are able to include undeveloped investment property, and land in common ownership (for example, access roads on privately owned residential developments).

We are able to cover DIY equestrian activities on our policy. Where more extensive requirements arise, please see our equestrian pages.

Employer’s Liability

It is a statutory requirement that anyone employing individuals on a full-time, part-time or casual basis, must arrange employer’s liability insurance. This requirement also applies to unpaid helpers.

Farm property cover

A wide range of cover can be arranged for all farming property, including buildings, produce, deadstock, small tools, machinery and office contents. Business interruption cover may be added, in order to protect your income following damage by an insured peril.

Livestock cover

In addition to the basic fire insurance, cover can be arranged against theft, straying, transit and sheep worrying by dogs. Full mortality cover can be provided for breeding livestock. Subject to the provision of additional information, insurance is normally available for livestock diseases, including Foot and Mouth, Brucellosis and bovine TB.

Household insurance cover

As well as business property, the policy can also cover the owner’s household buildings and contents, together with let houses if appropriate. The contents section will include jewellery and personal effects. Our household department can quote separately for the full range of household insurance, including travel insurance and cover for high value properties.

Agricultural motor cover

Cliverton have arrangements with a number of companies for the insurance of agricultural vehicles and farm fleets, including commercial vehicles and private cars as appropriate.

To arrange your insurance policy

Either complete the following quick-quote form and we will send you an insurance quotation, or contact the Cliverton office to discuss your requirements in greater detail.