Running an agricultural contracting business takes experience, specialist equipment and careful planning. From protecting your reputation to keeping operations running smoothly throughout the season, having the right support in place can make all the difference. At Cornish Mutual, we understand the demands of rural businesses and provide agricultural contracting insurance tailored to the way you work.

Our agricultural contracting insurance provides:

  • Flexible cover to protect your business whilst working on customers land and crops
  • A minimum of £5 million Public liability to protect you if the business is found to be at fault for injury suffered to a member of the public or damage to their property
  • £10 million Employers Liability to protect you if the business is found to be at fault for an injury suffered by an employee
  • Cover for buildings, machinery, general contents and stock in trade from a wide range of insured risks
  • For crop spraying services there is an option to cover you against accidental damage to your customers' crops
  • Liability cover can be extended to cover negligent seed drilling
  • Option to include cover should your customer's Basic Payment scheme payments be reduced as a result of your work on their land.

Who needs agricultural contractor insurance? 

Agricultural contracting insurance is for businesses providing specialist services to farmers and landowners, including ploughing, cultivation, harvesting, hedging, slurry spreading, grain drying, silage making and baling.

Whether you are an established contractor or new to the industry, we can help you understand the risks involved in working on customers’ land and advise on the cover you need to protect you and your business.

 

Supporting agricultural contractors across the South West

The varied landscapes and rural environments of Cornwall, Devon, Somerset and Dorset bring unique challenges for agricultural contractors. Working across steep fields, exposed coastal areas and different counties can create additional risks, while seasonal pressures mean delays or problems with equipment can have a significant impact on your business. We understand these regional demands and the importance of having the right protection in place.

 

Why choose Cornish Mutual for your agricultural contracting 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 agricultural contracting 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

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.

Case Study


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Upcoming Events

Tuesday 15th September to Tuesday 15th September

SFI 2026: What's next for your farm (Somerset)

5:30pm-7:30pm | Sheppy's Cider Farm, Bradford-on-Tone, Taunton, UK

Wednesday 16th September to Wednesday 16th September

Have a cuppa on us - Frome Livestock Market

10am-12pm | Frome Livestock Market Cafe