Smallholding & Hobby Farming Insurance

From only £244 a year (Monthly payment options also available)

Enquire Now

Smallholding & Hobby Farming Insurance

From only £244 a year (Monthly payment options also available)

Enquire Now

This insurance policy is suitable for those who run smallholdings and hobby farms on rented or owned land. This policy is not suitable for those looking to cover a commercial farm.

Our smallholding insurance is big on protection

While you’re busy feeding, cleaning, pruning, digging or growing, we’ll get busy arranging the right insurance cover.

Owning a smallholding can be very rewarding but it can also come with some risks. That’s why you need a specialist insurer to properly protect you.

We’ll help guide you through the muddy waters

Our team of experts have walked in your shoes, with animals galore at home – and some of us even have smallholdings just like yours.

That’s why we are best placed to protect your smallholding with practical first-hand tips and the most suitable cover to ensure you are fully insured should the worst happen. We want to help you keep your smallholding safe and secure – from tools and machinery to livestock and buildings.

So, while you’re busy checking your chickens or looking after lambs, planting potatoes or pruning your pear trees, we can arrange cover that’s right for your smallholding or hobby 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
  • 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

POLICY INFORMATION

What activities can be covered?

  • The running of a smallholding on rented or owned land, non-commercial hobby farming and land in common ownership.. Small scale DIY livery yards (however where more extensive equestrian activities are undertaken, please visit our equestrian section). Additionally, we also offer land  and home cover. The policy can be tailored to your requirements. If you require something not listed above, please give the office a call we will assist wherever we can.

Public Liability

Designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance if your livestock escape on to the road and cause a traffic collision.

The standard limit is £2 million, but it can be extended to £10 million for an additional premium.

Products Liability

This covers your small holding up to £2 million should a claim arise from the supply of products on a small scale, such as  the sale of eggs from your gate.. The cover can be increased to £10 million for an additional premium.

Employers’ Liability (optional extra)

If you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they be injured while at work. The amount of cover provided is £10 million.

*Environmental Impairment Liability

This covers smallholders up to £1 million against incidents arising from  present operations, for example a sudden and unexpected chemical leak .. This includes coverage for claims related to, property damage and clean-up costs arising from pollution. While not always necessary, depending on your requirements some insurers may include this as mandatory coverage.

Farm Buildings & Contents (optional extra)

We can offer cover for property damage including farm and agricultural buildings, machinery, agricultural produce, and deadstock. Please contact us for a full breakdown of the covers we can offer, this is just a very small example.

Livestock (optional extra)

Provides additional cover for your livestock, including exotic livestock (excluding animals under Dangerous Wild animal act DWAA). Cover includes  fatal injury whilst in transit, straying, theft and worrying.

Domestic Buildings & Contents (optional extra)

Provides protection for your domestic property and belongings against a wide range of risks.. Trace and access coverage is also included to help find the source of any oil or water leaks. Accidental damage cover is also available.

Goods in Transit (optional extra)

Protects against damage or loss of property or goods belonging to you while they are in transit, such as meat 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 protection against financial losses resulting from the loss of money that belongs to your business or for which you are responsible. It also includes benefits in the event of death or bodily injury sustained by you or an employee as a result of a robbery or attempted robbery while conducting business activities.

Business All Risks (optional extra)

Cover is available for damage to office contents and business equipment, mobile phones and trophies. It is also available for deterioration of frozen foodstuffs due to a freezer breaking or electricity flow being interrupted.

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

Business Interruption (optional extra)

Protects against financial losses resulting from damage to your business premises caused by damage to buildings, such as a severe storm. Which may cause temporary interruption or interference in your business activities. This coverage compensates for the loss of income during the period of disruption, with the amount of cover provided based on annual turnover.

What is excluded?

  • Any business outside of the UK or commercial farms, contract spraying and any excess applicable. Land over 250 acres, if you require cover for this please visit Lycetts  website.

Excesses

  • Public Liability
    • Third party property damage -250
    • Third party injury – Nil
  • Employers Liability – Nil
  • Livestock – £100
  • Household contents & personal effects – £150
  • Subsidence – Variable
  • All other claims – between £250 and £1000, dependant on cover requirements.

For Legal Expenses excesses please click here

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