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

10 Nov

Storm cover explained

Having already seen storms and extreme weather hitting our region this autumn, now is a good time to check your insurance gives you the protection you need. While it's impossible to prevent every incident, having the right cover in place provides reassurance support is there if something goes wrong.
Read More

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