We have been insuring businesses across the South West for more than 120 years.
In that time, we have built real regional experience, local knowledge and have seen food and drink wholesalers and retailers thrive, diversify and expand.
We are a team of insurance experts that are part of your local community and our focus is on you and your business.
We strive to be familiar with your needs, concerns and issues, so we can work together and create tailored insurance, that’s right for you.

Our commercial insurance provides:

  • 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
  • £10 million Employers Liability to protect you if you are found to be at fault for an injury suffered by an employee
  • Property damage for buildings, stock, machinery and contents from a wide range of insured risks
  • Options to include cover for deterioration of refrigerated stock and goods in transit.

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

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.


Marcia Vanstone Owner of Lydford Farm Shop holding basket of fresh food

Real Food Heroes


Lydford Farm Shop

Marcia Vanstone, owner of Lydford Farm Shop, has been committed to serving the needs of the local community. Find Out More

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