Griggs Agricultural Retail Store Entrance
Doing the right thing by you, every day

Retail Insurance

Your goals are our goals.
We are part of your community and have been protecting the farming community across the South West for over 120 years.
We understand how vital your business is to the farming community, you supply our farmers with the tools and equipment they need.
Working together, we can offer tailored cover for your business that gives you peace of mind and reassurance you need.

Our agricultural retail insurance provides:

  • Flexible cover to protect your business against a range of risks
  • A minimum of £5m Public and Products 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
  • £10m Employers Liability to protect you if the business is found to be at fault for an injury suffered by an employee
  • Goods in transit extension available for the delivery of goods to your customers
  • Property damage for buildings, machinery, general contents and stock in trade from a wide range of insured risks
  • The option to include cover for deterioration of refrigerated stock following the breakdown of freezer units
  • The option to include cover for loss of gross profit if the business is interrupted following an insured event.

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.

Who should we contact in the event of a claim?

Our Member Services Team on 01872 277151.

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.

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.

Who do I call for Legal and Tax advice?

You can call ARAG 24/7 on 01872 270174.


Cornish Mill and Bakehouse Cornwall Sara and David Buscombe owners

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Cornish Mill and Bakehouse

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Latest News

09 Dec

Manual handling on farm

Manual handling is part of everyday life on farms, from using heavy tools and handling livestock animals to carrying tools and equipment. But these routine tasks are a common cause of injury in agriculture, and the long-term effects can be more serious than many realise. Back and joint injuries often go unnoticed or untreated for years, only to become painful, life-limiting problems later on. Understanding how to assess risks and use safe lifting techniques can help protect both you and your team.
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Upcoming Events

Monday 15th December

Emergency First Aid at Work, FAA Level 3 Award (QCF)

9:00am - 5:00pm | Bow Grange, Littlehempston, Totnes England TQ9 6NQ

Tuesday 16th December

Emergency First Aid at Work, FAA Level 3 Award (QCF)

9:00am - 5:00pm | Lanivet Parish Community Centre, Rectory Rd, Lanivet, Bodmin, PL30 5HG