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Farm Insurance

Specialist insurance for farms, smallholdings and rural/agricultural businesses across the UK

  • Cover for all farm insurance policies under one roof
  • Get insured whether you farm beef, sheep, dairy, arable or any combination
  • Diverse cover for modern farms

Start your farm insurance quote online

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Call us if you would prefer to speak to a friendly expert

01823 625503
01823 625503

Monday to Friday 9am-5pm
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What does farm insurance cover?

Our service and dedication to farm insurance

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.

Insurance for working farms and smallholdings

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.

Diversification and personal insurance

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.

Farm motor, tractors and quads

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 one vehicle whether it be a tractor or quad bike, we can cover that too.

Farm Insurance Claims

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.

Call our customer service team or speak to your specific point of contact on

01823 625 501

Call for immediate advice or email us

Lines are open Monday to Friday, 9am-5pm

Farm Insurance Articles & Guides

We know more about farming than just insurance, discover tips and guides here:

Farm Insurance Guide Machinery Hay

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Farm Insurance Guide

Find out more about the type of cover you may require if you own or are looking to run a farm or agricultural business. Our simple guide helps you identify if you need farm...

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Turning Your Hobby into a Career

Almost two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. Research from Towergate Insurance reveals that men are currently more willing to take the plunge and start a new venture, with 44% considering starting up their own business, compared to 34% of women.

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A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

Farm Insurance FAQs

What is farm insurance?

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.

Do I need farm insurance?

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.

Am I covered for any accidental pollution to public land/water?

Yes, our policy covers you against any accidental pollution.

I am looking to diversify the use of my land, can you provide cover?

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.

Am I covered for shooting on my land?

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.

What is a loss adjuster?

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.

What do we require from you to help us provide quotations?

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.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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