We have been insuring businesses across the South West for more than 120 years.
In that time, we have built real regional experience, local knowledge and have seen food and drink wholesalers and retailers thrive, diversify and expand.
We are a team of insurance experts that are part of your local community and our focus is on you and your business.
We strive to be familiar with your needs, concerns and issues, so we can work together and create tailored insurance, that’s right for you.

Our commercial insurance provides:

  • A minimum of £5 million Public and Products Liability cover to protect you if the business is found to be at fault for an injury suffered to a member of the public or damage to their property
  • £10 million Employers Liability to protect you if you are found to be at fault for an injury suffered by an employee
  • Property damage for buildings, stock, machinery and contents from a wide range of insured risks
  • Options to include cover for deterioration of refrigerated stock and goods in transit.

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 liability cover is available in my commercial business policy?

Standard cover for this policy typically includes:
•    Public and Products Liability (£5m standard)
•    Employers’ Liability (£10m standard)
•    Environmental Damage (£2m standard)
These core covers protect against injury, damage, or claims arising from your operations.


Marcia Vanstone Owner of Lydford Farm Shop holding basket of fresh food

Real Food Heroes


Lydford Farm Shop

Marcia Vanstone, owner of Lydford Farm Shop, has been committed to serving the needs of the local community. Find Out More

Latest News

21 Oct

Cornish Mutual says ‘Have a cuppa on us!’ to local farming communities

Farmers and rural business owners across the South West are being invited to enjoy a free cuppa at their local livestock market, as Cornish Mutual says thank you to the people and businesses at the heart of rural life.
Read More

Upcoming Events

Friday 23rd October

Have a cuppa on us - Exeter Livestock Market

9:30am-11:30pm | Exeter Livestock Market Cafe

Thursday 29th October

Cutting Nitrogen, Cutting Emissions: Year One Results

6:30pm - 9:00pm | Chiverton Arms, Blackwater, TR4 8HS