Every smallholding is unique, meaning we take a flexible approach to cover. Standard home insurance often won’t provide the level of protection required, while farm insurance can offer more than you need. Our smallholder insurance bridges the gap, helping you protect what matters most. 

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

Who is smallholder insurance for?

Whether you're keeping livestock, growing produce or managing a smallholding alongside other employment, our smallholder insurance provides tailored cover for properties of up to 25 acres within five miles of your home, helping you protect your rural way of life with confidence.

 

Why choose Cornish Mutual for your smallholder insurance

  • For more than 120 years, we’ve been putting farmers across the Cornwall, Devon, Somerset and Dorset at the heart of what we do
  • As a mutual organisation, we're owned by our Members, so everything we do is focused on supporting them
  • Our local, non-commissioned expert advisors understand the challenges you face and provide hands-on advice and support whenever you need it
  • Our dedicated in-house Member Services, Underwriting and Claims teams provide a prompt, personal service you can rely on
  • We offer flexible ways to pay, including 0% interest Direct Debit, two-payment plans and secure online payments

 

We'd love to talk to you. For more information about our smallholder insurance, or to arrange a quote, complete our request a quote form, call us on 01872 277151, or speak to your local Field Insurance Advisor. 

Frequently asked questions

What is the difference between smallholder and farm insurance?

Smallholder insurance is designed for smaller areas of land up to 25 acres, usually where owner is keeping a limited number of animals, growing produce or keeping up to 3 DIY liveries. 

Do I need insurance if I only keep a few chickens or sheep?

It is recommended that you have Public Liability (PL) insurance if you are keeping animals.

Can I insure rare breeds or unusual livestock?

We cover cattle, goats, sheep, pigs, deer, alpacas, llamas, horses and working dogs all owned or used by the insured in connection with your smallholding. The maximum limit per animal is £5,000.

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.

Does my home insurance cover my smallholding?

We can offer smallholding extension to our home insurance policy, if you’d like to talk through what your policy covers or have any questions, our Member Services team is here to help. You can contact them by calling 01872 277151. 

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.

Cyber Assistance Helpline
Do you have any cyber-related questions or need advice on how to protect yourself or your family from cyber incidents?

The Cornish Mutual Cyber Assistance Helpline provided through the cyber protection specialists at Cyberscout, a TransUnion brand, is here to help.

Call 0808 189 2300

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Upcoming Events

Wednesday 18th November

Have a cuppa on us - Holsworthy Livestock Market

9:30am - 11:30am | Holsworthy Livestock Market Cafe

Saturday 21st November

The Cornish Winter Fair

10:00am - 17:00pm | The Royal Cornwall Events Centre, PL27 7JE