Rockhill Business Park in St Austell

Here to protect you and your business

Protection with a difference.
As the owner of a commercial property, we work with you, understanding your needs and offering specialist advice from insurance experts.
Together, we provide trusted, tailored insurance solutions that are right for you and your business.

Our commercial property owner insurance provides:

  • Cover for buildings you own on the site against a wide range of risks
  • A minimum of £5 Million Public Liability insurance to cover your liability for damage or injury to third parties or damage to their property in your capacity as a commercial property owner
  • Up to £100,000 Legal Expenses insurance
  • £10 Million Employers Liability should you employ staff to maintain the buildings & grounds, to protect you if you are found to be at fault for an injury suffered by an employee
  • Option to include loss of rental income arising from an insured event
  • Option to include business emergency cover

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.

If I insure with Cornish Mutual will you put up the premiums after I become a Member?

Cornish Mutual is committed to keeping premium rates as consistent as possible from year to year reflecting individual exposures and claims experience.

Edward Buckland Chartered Surveyors Auctioneers Valuers Land Agent Cornwall

Member Stories

Edward Buckland

Over five years ago Edward Buckland started his Firm of Chartered Surveyors, Auctioneers and Valuers based in mid Cornwall. Find Out More

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13 Jun

Local students awarded Cornish Mutual Young Farmer Bursaries (1)

Six agricultural students in the South West have been awarded Cornish Mutual Young Farmer Bursaries, with one of them also winning the prestigious Cornish Mutual South West Agricultural Student of the Year award.
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