Red Tractor Baling

Trusted insurance, giving you peace of mind

Whether you are specialising in contracting or are stepping into the farming industry through agricultural contracting, we know how vital it is for you to plan, differentiate and most importantly, gain a reputation that is trustworthy, safe and efficient.
As a team of insurance experts, we are here to listen and familiarise ourselves with your business needs. We are your go-to people who can help you understand the ins and outs of working on your customers' land and advise you on the protection you need to make sure you are covered.

Our agricultural contracting insurance provides:

  • Flexible cover to protect your business whilst working on customers land and crops
  • A minimum of £5 million Public liability to protect you if the business is found to be at fault for injury suffered to a member of the public or damage to their property
  • £10 million Employers Liability to protect you if the business is found to be at fault for an injury suffered by an employee
  • Cover for buildings, machinery, general contents and stock in trade from a wide range of insured risks
  • For crop spraying services there is an option to cover you against accidental damage to your customers' crops
  • Liability cover can be extended to cover negligent seed drilling
  • Option to include cover should your customer's Basic Payment scheme payments be reduced as a result of your work on their land.

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.  

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.  

Frequently asked questions

What makes you different from other insurers?

We live and work across the South West and are actively involved in the farming community.  Whether it’s local agricultural events, charities, young farmers or our boots on the ground, the Field Force team visiting our Members, we strive to gain a better understanding of our Members and potential sector challenges.

Working in your local area makes us easily accessible and better placed to provide an excellent service compared to other remote insurance companies.  Our Members are at the heart of everything we do and we strive to ensure they always know where they stand with us.

What is so special about being a Mutual company?

We have no shareholders and are owned by our Members. So any money that would otherwise be spent on dividend payments to shareholders is retained in the business, helping us continually improve our services.

That’s why we really can put our Members first at all times. This means a better service for you, based on our principles of fairness, honesty and transparency.

What does Chartered Status mean?

Corporate ‘Chartered Status’ is the gold standard for excellence and integrity for companies in the insurance industry. We are proud of our Chartered Status as it helps us demonstrate our commitment to best professional practice, quality customer service and working in an ethical manner.

We are the first mutual insurance company in the UK and first insurer in the South West to achieve this recognition from the Chartered Insurance Institute.

The premium is competitive but what are you like when it comes to paying claims?

We are conscious that when a claim arises our members are often financially affected. We aim to deal with all correspondence within 5 days of receipt and when a claim is agreed we aim to make the payment within 24 hours. Receiving payment is usually determined by the method of payment and so payment may not actually be received for a few days if by cheque or 24 hours if by BACS.

Is Cornish Mutual a broker or an agent?

Cornish Mutual is an independent Mutual Insurance Company. We are not a broker or an agent and underwrite our own insurance policies, therefore we provide a direct insurance service to our Members.

As a business owner do I need Employers’ Liability?

If you employ people under a contract of service or apprenticeship it is a legal requirement for most UK businesses to have employers liability insurance. This extends to include casual, temporary and volunteer workers in addition to full and part-time workers.

Who do I call for Legal and Tax advice?

You can call ARAG 24/7 on 01872 270174.

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