Dairy farmers with bottled milk in field with cows

Providing more than just 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

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.

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.

I let some of my farm buildings/land to local horse owners. Does my farm liability Policy provide cover for such diversification?

It depends upon the circumstances. Please call our Member Services Team on 01872 277151 to find out more.

Do you underwrite your own policies?

Yes.  However, we also partner with third party organisations, including ARAG who provide our underwriting for breakdown and home emergency and Liberty for the Environmental Damage cover add on.

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.

How do I make a Legal Expense Claim?

Your Legal Expenses cover is provided by ARAG.  You can make a claim between 9am and 5pm Monday to Friday (except bank holidays) by calling 01872 270159 or you can download a claim form at www.arag.co.uk/newclaims

Who do I call for Legal and Tax advice?

You can call ARAG 24/7 on 01872 270174.


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