Entrance to Cafe

We’re in it together.

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

If I would like to talk to someone about what my policy covers, who do I contact?

Please call our Member Services team on 01872 277151.

Do I need Employers’ Liability cover as I only employ members of my immediate family?

The law does not require Employers Liability insurance for members of your immediate family who work for you. However, your family members are likely to be exposed to the same type of risks as would apply to non-relatives so we always encourage our Members to take out Employers’ Liability.

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 should I do in the event of a claim?

Please visit our ‘How to make a claim’ page where you will find all of the information you need.


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

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