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Farm Insurance

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

  • From beef, sheep, dairy, and arable land, through to modern diversified farms
  • Benefit from flexible all in one cover
  • UK based support
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If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4300 customer reviews

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Why choose farm insurance with Towergate?

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Convenient all in one cover

Cover for a broad range of farm-related risks in one insurance policy.

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Flexible farm insurance

Get insured whether you farm beef, sheep, dairy, arable or any combination.

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Diverse cover for modern farms

Tailored policies to match your level of diversification – the future of farming.

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Pay Direct Debit

You can split your farm insurance payments into equal monthly instalments.

About farm insurance

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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 our most competitive insurance package for you. Our online Risk Management tool allows you to build a Health & Safety policy online.

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Insurance for working farms and smallholdings

If you keep farm machinery, produce, 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.

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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.

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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.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01823 625503 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Farm insurance FAQs

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.

Farm insurance cover includes:

  • Property cover, including farm buildings, produce, deadstock and machinery; home buildings and contents; and let properties
  • Employers, public and products liability
  • Diversification
  • Legal expenses, professional liability and directors’ and officers’ liability
  • Environmental pollution
  • Loss of revenue
  • Livestock and goods in transit
  • Income protection
  • Specialist all-risks cover, including electronic equipment, computers, farm animal milking and feeding systems, and farm animal semen
  • Uncollected milk due to adverse weather and contamination of milk through antibiotics

Each farming operation is unique, so you should ensure that you have a policy tailored to your needs.

Yes, if you have a farm or smallholding, it is vital to have liability insurance of some kind.

An agricultural insurance policy can offer you cover against a wide range of risks which may stop your farm operating, or make it run at a higher cost. This help keeps your livelihood secure in challenging times, whether the issues are caused by machinery and equipment, livestock, buildings, profits and produce.

If you have a small farm as a non-commercial hobby, your standard homeowner’s insurance policy may cover some activities. However, most home insurance will not include liability cover for commercial farming, so it’s important you review your current policy. If you are not covered for commercial farming, you should take out farm insurance.

Yes, our policy covers you against 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.

  • Working farms and smallholdings - cover designed and can be tailored for your farm machinery, produce or deadstock, or farm buildings. For livestock farmers, you can be insured for a wide range of risks including loss of stray animals, theft, transit, mysterious disappearance, electrocution and fire.
  • Diversification and personal insurance - With modern farms diversifying away from traditional activities, agricultural insurance can be tailored to different risks. Livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property and even drones can potentially be covered under farm insurance.
  • Accidental pollution – farm insurance policies can also include cover against any accidental pollution to the environment.

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.

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

If you have farm and agricultural equipment, you may need to insure on a multi-vehicle basis, including private cars, commercial vehicles and agricultural vehicles. This is normally excluded from farm insurance policies, but you can take out insurance for agricultural vehicles, which can group cover for all your farm vehicles, such as motor, tractors and quads, under one policy.

As all insurance policies vary, please check your policy document carefully for full details of what is covered and what is excluded under your own farm and agricultural cover.

Full terms and conditions are available on request from your Towergate advisor, and in your policy documents.

Read more FAQs

Farm insurance articles and guides

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Doing all you can to keep your rental fleet secure is vital. We've put together 12 tips to help you tackle vehicle rental crime.

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Reduce the Risk: Occupational Road Safety for Your Vehicles

Learn how to create the right occupational road safety culture to ensure your fleet stays on the road - and reduce your transport insurance costs at the same time.

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Vehicle Safety Features to Reduce Your Insurance Costs

Keeping drivers safe and insurance claims down is increasingly vital for transport operators. See how new commercial vehicle safety features can help.

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