What Is Agricultural Insurance?
Agricultural insurance provides financial protection for farmers, landowners, and agribusinesses against risks such as crop failure, livestock loss, equipment damage, and public liability claims. It ensures that farming operations can continue despite unforeseen events like extreme weather, disease outbreaks, or theft.
Who Needs Agricultural Insurance?
- Farmers & Landowners – Cover for property, equipment, and liability.
- Crop Growers – Protection against weather-related crop damage.
- Livestock Farmers – Cover for animal diseases, theft, and accidents.
- Agribusinesses & Contractors – Insurance for farm machinery, buildings, and workers.
What Does Agricultural Insurance Cover?
1. Farm Property & Buildings Insurance
- Protects farmhouses, barns, and storage facilities against fire, floods, storms, and theft.
- Covers greenhouses, fencing, and silos.
2. Crop Insurance
- Covers loss of crops due to weather damage (floods, drought, frost).
- Protection against pests and plant diseases.
3. Livestock Insurance
- Covers disease outbreaks, theft, and accidental loss of animals.
- Includes compensation for death due to extreme weather conditions.
4. Farm Machinery & Equipment Insurance
- Covers tractors, harvesters, and irrigation systems.
- Protection against accidental damage, breakdowns, and theft.
5. Public Liability Insurance for Farmers
- Protects against claims from the public, visitors, or customers.
- Covers injuries caused by farm activities, animals, or machinery.
6. Employer’s Liability Insurance
- Legally required if you employ farm workers.
- Covers claims if employees are injured or fall ill due to farm work.
7. Business Interruption Insurance
- Covers loss of income due to natural disasters, disease outbreaks, or farm closures.
How Much Does Agricultural Insurance Cost?
Premiums depend on:
✔ Farm size and value – Larger farms require more coverage.
✔ Type of farming activity – Livestock farming and crop production have different risk levels.
✔ Location and weather risks – Farms in flood-prone areas may have higher premiums.
✔ Number of employees and livestock – More workers and animals increase costs.
Estimated Costs
- Small farm insurance: £500 – £2,000 per year
- Mid-sized farm insurance: £2,000 – £5,000 per year
- Large farm insurance: £5,000+ per year (depending on coverage)
Best Agricultural Insurance Providers in the UK
- NFU Mutual – Specialises in farm, crop, and livestock insurance.
- Aviva Farm Insurance – Covers farm buildings, equipment, and liability.
- Zurich Agricultural Insurance – Provides business interruption and extreme weather cover.
- Hiscox Rural & Farm Insurance – Tailored policies for specialist farms and estates.
Why Choose Fraser Bond for Agricultural Insurance?
Fraser Bond works with leading UK farm insurers to:
✔ Find the right farm insurance policy based on your needs.
✔ Compare multiple providers to secure competitive rates.
✔ Ensure full coverage for property, livestock, crops, and business risks.
Final Thoughts
Agricultural insurance is essential for protecting farms, crops, and livestock from financial loss. Whether you run a small family farm or a large-scale agribusiness, having the right insurance ensures business continuity and peace of mind.
For expert guidance on securing the best agricultural insurance, contact Fraser Bond today.
