Farm Diversification Insurance

Ready to start your new venture?
If your farm diversification plans are on the drawing board or already in motion, we are here to take the journey with you.
Whether you are transforming your land into a farm shop, campsite, food and drink business, or wedding venue, we know how important it is to make sure that you have the right cover and that everything is fully protected.
We are here to answer your questions and work with you to ensure you have insurance protection right for you, your business and your future.

Our farm diversification insurance provides:

  • Flexible cover under stand-alone policies or possible extensions to existing policies
  • 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 you are found to be at fault for an injury suffered by an employee.
  • Cover for buildings, machinery and general contents, stock in trade with various optional extensions available such as the deterioration of refrigerated stock and goods in transit
  • The option to include Commercial Legal expenses 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

Do you underwrite your own farm diversification policies?

Yes, however please note the Farm Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company.

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.

What insurance options are available for farm diversification?

Diversification activities can be covered either in conjunction with your farm insurance policy or through a commercial combined policy, depending on how significant the diversified activity is in relation to your core farming operations.

If the diversification activity is incidental to your farming, it can usually be accommodated within your existing farm policy.

If the diversification activity has become more substantial than your farming activity, or operates as a separate commercial enterprise, a stand alone Commercial Combined policy may be more appropriate.

What types of activities are considered farm diversification?

Farm diversification can include a wide range of non traditional farming activities. Examples include:

•    Farm shops
•    DIY livery
•    Camping or glamping sites

Because diversification varies widely from one business to another, we recommend contacting us to discuss your specific plans so we can ensure the correct cover is in place. 


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Upcoming Events

Wednesday 5th August

North Devon Show

9:00am | Umberleigh Barton, Umberleigh, EX37 9DX

Thursday 6th August

Honiton Show

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