We are here for you, your business and community.
Your farm shop is the heart of your local community and we know how much you appreciate your customers and the conversations you have.
Just as you are with your customers, we are here for you whenever you need us, to safeguard your business and give advice with any challenges that you face.

Our farm shop insurance provides:

  • Cover for the sale of both your own produce and retail sales
  • 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
  • £10m Employers Liability to protect you if you are found to be at fault for an injury suffered by an employee
  • Cover for buildings, machinery and general contents, stock in trade and money
  • The option of including cover for the loss of gross profit if the business is interrupted following an insured event
  • The option to include cover for damage of goods in transit during collection or delivery
  • The option to include cover for the deterioration of refrigerated stock following the breakdown of freezer units

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

Do you underwrite your own commercial combined policies?

Yes, however please note the Commercial Legal Expenses cover, if selected, is underwritten by ARAG Legal Expenses Insurance Company.

Are the policies flexible and tailored to my business?

We offer policies that can be tailored to suit the specific needs of your business and any associated activities.

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.

Latest News

08 Sep

Protecting your livestock from theft

Livestock theft isn’t something most farmers expect to face, but a recent incident in Cornwall is a reminder that it pays to stay vigilant. Devon & Cornwall Police is encouraging farmers to take another look at security and the steps they can take to deter thieves.
Read More

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