Our sole focus is on you.
Each smallholding is unique, which is why we are flexible in our approach to protect what is important to you.
Whether you keep livestock or grow produce, we know how much time and care goes into creating and maintaining a smallholding.
In fact, many of our team share the same rural lifestyle as you and are here to offer hands-on advice, assistance and tailored insurance that protects you.
We’re there for you: 
  • Local insurance advisors who listen and give you the time to make the right choice
  • Specialist and tailored cover by people who understand what you need
  • A prompt and efficient service from our dedicated in-house Member Services and Underwriting and Claim teams

Our smallholder insurance provides:

  • Home extension cover for a smallholding up to 25 acres, within 5 miles of the home
  • £5m Public and Products liability to protect you if the smallholding is found to be at fault for injury suffered to a member of the public or damage to their property
  • Public liability extends to include exhibition of livestock and produce at shows
  • £50,000 Smallholders legal expenses
  • The option to include damage to buildings, contents and produce, including £10,000 for machinery and £5000 for produce
  • The option to include damage to livestock by a range of perils including fire, lightning, theft, worrying, straying and 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

How much land do I need to qualify as a smallholding?

To qualify as a Smallholding, you can have up to 25 acres of land associated with your property.

How do you define a smallholder?

An area of land used for keeping animals or growing produce where this is not your main source of income and for which you do not employ any staff. This can extend to include attendance at agricultural shows, the provision of camping and caravan sites up to 6 pitches and DIY Livery for up to 3 horses.

Can my smallholding land be separate from my home?

Your smallholding land can be located away from your home address, provided it is within a maximum distance of 5 miles.

Can I take out cover for my smallholding without home insurance?

Your home insurance must be in place as the base policy, with the smallholding added as an extension.

Can I have a smallholding policy if I run a business from the land?

Smallholding cover is intended for non commercial, small scale use - a Farm or Commercial Policy would be required if you run a business

Are outbuildings used for my smallholding covered?

Smallholder outbuildings can be insured under the Smallholder section of the Home policy. You will need to provide the rebuild cost.

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Upcoming Events

Wednesday 5th August

North Devon Show

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

Thursday 6th August

Honiton Show

9:00am | Stockers Farm, Gittisham, Honiton, EX14 3AW