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
  • We offer tailored smallholder insurance that’s right for you
  • Our dedicated in-house Member Services, Underwriting and Claims teams provide a prompt, personal service you can rely on

 

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

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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