Smallholding and Hobby Farm Insurance

There are two main types of insurance you need if you run a smallholding. Both are included in our insurance policy.

Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if your livestock escape onto the road and cause a traffic collision.

The standard limit is £2 million, but it can be extended to £10 million for an additional premium.

Products liability – this covers your smallholding up to £2 million should a claim arise from the supply of products on a small scale, such as the sale of eggs from your gate. The cover can be increased to £10 million for an additional premium.

Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they be injured while at work. The amount of cover provided is £10 million.

Environmental impairment liability – this covers smallholders up to £1 million against incidents arising from present operations, for example a sudden and unexpected chemical leak. This includes coverage for claims related to property damage and clean-up costs arising from pollution. While not always necessary, depending on your requirements, some insurers may include this as mandatory coverage.

Farm buildings and contents – we can offer cover for property damage including farm and agricultural buildings, machinery, agricultural produce and deadstock. Please contact us for a full breakdown of the covers we can offer as this is just a very small example.

Livestock – provides additional cover for your livestock, including exotic livestock (excluding animals under Dangerous Wild Animal Act (DWAA)). Cover includes fatal injury whilst in transit, straying, theft and worrying.

Domestic buildings and contents – provides protection for your domestic property and belongings against a wide range of risks. Trace and access coverage is also included to help find the source of any oil or water leaks. Accidental damage cover is also available.

Goods in transit – protects against damage or loss of property or goods belonging to you while they are in transit, such as meat being collected from an abattoir. Please note that this will not include cover for live animals whilst they are in transit or the vehicle itself.

Money – provides protection against financial losses resulting from the loss of money that belongs to your business or for which you are responsible. It also includes benefits in the event of death or bodily injury sustained by you or an employee as a result of a robbery or attempted robbery while conducting business activities.

Business all risks – cover is available for damage to office contents, business equipment, mobile phones and trophies. It is also available for deterioration of frozen foodstuffs due to a freezer breaking or electricity flow being interrupted.

The maximum sum insured payable is £5,000 and the freezer must be no more than 8 years old.

Business interruption - protects against financial losses resulting from damage to your business premises caused by damage to buildings, such as a severe storm. This damage may cause temporary interruption or interference in your business activities. This coverage compensates for the loss of income during the period of disruption, with the amount of cover provided based on annual turnover.

Cover as unique as your business

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Meet Karen, Senior Account Handler, Smallholding Team and animal lover

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Insuring your smallholding - what you need to know

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Smallholding and hobby farm insurance