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Smallholding & Hobby Farming Insurance

From only £227.80 per year

or 9 monthly payments of £27.84 (Total repayable £250.58)

Enquire Now

Smallholding & Hobby Farming Insurance

From only £227.80 per year or 9 monthly payments of £27.84 (Total repayable £250.58)

Enquire Now

Do you rent or own land that you use for hobby farming, smallholding or grazing etc? We can arrange a tailored policy to suit your requirements. Cover ranges from basic Public Liability for your land and livestock to cover for farm buildings and contents as well as for your domestic property.

This product is suitable for people and businesses which wish to cover their liability to the public for their land, building and livestock. This policy is not suitable where the land exceeds 250 acres or is a commercial farm.

What’s included
  • Public Liability £2,000,000
  • Products Liability £2,000,000
  • *Environmental Impairment Liability £1,000,000
Optional
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Employers’ Liability £10,000,000
  • Livestock
  • Farm Buildings & Contents
  • Domestic Buildings & Contents
  • Farm Property in Transit
  • Money
  • Business interruption
  • Business all risks
  • Legal expenses (separate policy available)
  • Public Liability £2,000,000
  • Products Liability £2,000,000
  • *Environmental Impairment Liability £1,000,000
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Employers’ Liability £10,000,000
  • Livestock
  • Farm Buildings & Contents
  • Domestic Buildings & Contents
  • Farm Property in Transit
  • Money
  • Business interruption
  • Business all risks
  • Legal expenses (separate policy available)

POLICY INFORMATION

What activities can be covered?

  • Smallholders on rented or owned land
  • Non-commercial hobby farming
  • Land & buildings cover
  • Undeveloped investment property
  • Land in common ownership
  • DIY Livery yards
    • where more extensive equestrian activities are undertaken please click here for our equestrian page

This is only a small selection of what we are able to cover, if you do not see your business on this list please contact the office on 01328 857921 or submit a contact us form by clicking here

Public Liability

This covers you against claims arising from either the actions of you, an employee or an animal supplied or owned by you causing either third-party injury or property loss or damage.

The standard limit of cover is £2,000,000; however, we can also offer an increased limit of £5,000,000 for an additional premium.

Products Liability

We will cover you should a claim arise from the supply of products on a small scale i.e. sale from the gate or small scale meat sale.

The standard limit of cover is £2,000,000, which can be increased to £5,000,000 in line with the Public Liability for an additional premium.

Employers’ Liability (optional extra)

Where you have either paid, voluntary or self-employed helpers working under your direction, in connection with your business, it is a legal requirement that you have Employers’ Liability insurance which will provide cover in the event of them being injured whilst working for you.

The amount of cover provided is £10,000,000.

*Environmental Impairment Liability

Cover for risks arising from your past or current operations, or for which you retain a legal liability. Cover includes claims for clean-up, bodily injury and property damage arising from pollution. The limit of cover provided is £1,000,000.

*This cover may not be necessary depending on your requirements, however some insurers will include this as mandatory cover

Farm Buildings & Contents (optional extra)

We can cover damage to the following property:

  • Buildings
  • Machinery & Implements
  • Pig & Poultry Housing
  • Small tools
  • Agricultural produce, growing of crops and deadstock
  • Walls, gates and Hedgerows
  • Quad bikes and All-terrain vehicles
  • Trailers
  • Saddlery & Tack
  • Contents of Tack room

Livestock (optional extra)

Provides additional cover for your livestock, including exotic livestock for the perils of fire, lightning, earthquakes, aircraft, explosions, electrocution, fatal injury whilst in transit, straying, theft and mysterious disappearance.

If you are only seeking Public Liability for the livestock please click here

Domestic Buildings & Contents (optional extra)

We can cover your domestic property and belongings for fire, lightning, explosion, aircraft, earthquake, theft, storm, flood, subsidence, impact and malicious damage. Trace and access cover is included for finding the source of any oil or water leaks. Worldwide cover is included for any contents removed from the home and accidental damage cover is also available.

This covers the following:

  • Buildings
  • Contents
  • Garden furniture, tools & machinery
  • Specified jewellery
  • Valuables, antiques & works of Art
  • Sporting equipment & guns
  • Saddlery & tack
  • Computer equipment & laptops

Goods in Transit (optional extra)

This section covers you for damage or  loss of property or goods belonging to you whilst they are in transit, for example meat which is being collected from an abattoir.

Please note that this will not include cover for live animals whilst they are in transit or the vehicle itself.

 

Money (optional extra)

Provides cover for the loss of money belonging to your business or for which you are responsible, along with benefits in respect of the death or bodily injury sustained by you or an employee as a result of a robbery or attempted robbery arising in the course of your business.

Business All Risks (optional extra)

Cover is available for damage to office contents and business equipment, mobile phones and trophies. Cover is also available for loss of frozen foodstuffs due to breakdown of the freezer or interruption to the flow of electricity.

The maximum sum insured allowable is £5,000 and the freezer must be no more than 8 years old.

Business Interruption (optional extra)

This provides cover for lost income due to damage to your business premises; which has been caused by an insured peril, resulting in either interference or temporary interruption to your business activities.

The amount of cover provided is based on your annual turnover.

Legal Expenses (optional extra)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more. It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates.

What is not covered?

  • Any business outside of the United Kingdom
  • Commercial farms
  • Any excess applicable

Excesses

  • Public Liability
    • Third party property damage -250
    • Third party injury – Nil
  • Employers Liability – Nil
  • Livestock – £100
  • Household contents & personal effects – £50
  • Subsidence – Variable
  • All other claims – £250

For Legal Expenses excesses please click here

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