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What does farm insurance cover?
Towergate have been dealing with Farm Insurance for many years, we have grown and developed alongside the changing times of the agriculture industry, expanding to understand the developments and challenges you face in modern times. Using an advisory based approach we review your requirements to find the most competitive insurance package for you. Our online Risk Management tool allows you to build a Health & Safety policy online at your fingertips.
If you keep farm machinery, produce or deadstock, or farm buildings, our policies can provide insurance designed and tailored for your farm. If you are a livestock farmer, we can tailor a policy which insures you for a large variety of risks including options for loss of stray animals, theft, transit, mysterious disappearance, electrocution and fire.
In a modern world diversification is playing a large part in the way farms drive revenue. Be sure to let us know how you are diversifying away from standard farm activities so we can provide a tailored policy matched to your risks. Speak to us about livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property and even drone insurance.
We understand that most farmers may have the need to insure on a multi vehicle basis including private cars, commercial vehicles and agricultural vehicles. We offer cover which can group all your farm vehicles under one policy which typically extends to include trailer implements cover too. Of course, if you only own 1 vehicle whether it be a tractor or quad bike, we can cover that too.
A full and dedicated claim handling service is provided and in the event of a claim and we offer telephone advice from our team of professionals whenever you require assistance. This means our experts are always on hand to discuss your requirements in the event of a claim.
Need to make a claim on your farm insurance policy? Need to make a claim?
In order to progress your claim as quickly as possible we will need full details of losses and any estimates for repair and/or replacement where possible.
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Farm insurance usually comes as an insurance package designed specifically for agricultural businesses, buildings, tools and produce. It can protect things like farm machinery, livestock, buildings, profits and produce, altogether under one policy.
If you have a farm or smallholding you will certainly want insurance of some kind. A farm insurance policy can offer you insurance against things which may stop your farm operating, or running at a higher cost, which means your livelihood kept secure.
Yes, our policy covers you against any accidental pollution.
Absolutely, we are well versed in assisting farmers who wish to maximise their revenue by diversifying. We have policy extensions already in place which offer you cover for things such as commercial camping, holiday lets and caravans as well as activities on your land such as walking, cycling and farmers' markets/shops.
We can cover you for game bird shooting, be sure to let us know which activities are taking place and discuss how to get cover.
This is an independent, impartial claims handler who can assess your claim and negotiate on your behalf recovering the highest possible payment against your loss.
In order to build a quote for your farm there are certain things which are required by law in order to be sure we have the correct information to accurately provide tailored cover. When calling to discuss please have ready:
Information regarding any convictions, motor convictions, bankruptcies, CCJs, HSE investigations and environmental incidents.
Details of any claims in the last 3 years – Towergate will always ask your current insurers for 3 years claims experience if you wish to proceed.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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