Specialist Insurance for Agriculture

Tailored cover to help protect farms, machinery, crops and livestock

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Overview

Agriculture remains at the heart of the UK’s economy, but farmers face numerous risks from unpredictable weather to machinery failure. Agriculture insurance helps provide cover for the daily demands of running a farm or rural business. Whether you manage a family-owned operation or a large commercial farm, you face challenges that require practical insurance solutions. With pressures such as climate change, supply chain volatility and increased automation, the right support matters. Agriculture insurance may include cover for livestock, crops, buildings, plant and equipment, and public liability.

Farm insurance in the UK has traditionally been delivered through highly local, agent-led models that offer familiarity and straightforward, standardised cover for conventional farming operations. While effective for simpler risks, these approaches can lack flexibility when farms become more complex, diversified, or non-standard.

At the other end of the spectrum, some brokers have shifted towards call-centre models, prioritising volume over relationship-driven service – with efficiency prioritised over deep understanding. Our approach bridges this gap.

We combine specialist sector knowledge with tailored risk assessment, building insurance solutions around each individual farm to provide the flexibility, expertise, and personal service modern agricultural businesses require.

Ready to help minimise your risk and uncertainty?

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How We Can Help

Our Approach

At Brown & Brown, we provide agriculture insurance broking services tailored to meet the varied needs of rural businesses across the UK. No two farms are the same, which is why we work with you to understand the unique risks of your operation. Whether you’re farming livestock, growing arable crops or running a diversified enterprise, we’ll help you find the right policy from a panel of trusted insurers.

Cover Options

Cover options we source may include livestock protection, buildings and machinery, business interruption, and liability insurance. For those involved in diversified activities such as glamping, educational visits or renewable energy, we can find you a policy that reflects all operational aspects.

Typically Covered

  • Agricultural Buildings Cover
  • Agricultural Contents Cover
  • Public and Products Liability
  • Employers Liability
  • Environmental Liability
  • Livestock Cover
  • Milk in Tanks Cover
  • Personal Accident Sickness
  • Goods in Transit Insurance
  • Household Insurance
  • Property Owners Cover
  • Legal Expenses Cover
  • Renewable Energy and Solar Panels Cover

Not Typically Covered

  • Market Price Fluctuations
  • Intentional Acts or Negligence

Our Support

Our support does not end at finding a policy. We also assist with claims processes, risk assessments, and ongoing policy reviews to help you remain suitably covered as your business evolves. With a focus on clarity and communication, we aim to make insurance simple and accessible. With Brown & Brown, you’re supported by a team that understands farming, listens carefully, and sources reliable insurance solutions to help keep your business moving.

Solutions at
Every Stage

Let’s Find the Right Fit Together

Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.

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Why Choose Us

Rural Sector Understanding

Our knowledgeable teammates understand the seasonal and financial pressures rural businesses face, allowing us to guide you to suitable solutions.

Tailored Agricultural Solutions

From livestock to land, machinery and beyond, we help build insurance solutions designed around your farm’s specific requirements.

Claims and Policy Support

We stay with you post-placement, assisting with claims, renewals and ongoing advice to support your business throughout the policy’s life.

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  • Trusted Advisors – Nationwide specialists
  • Exceptional Service – Rated by real customers on Feefo
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Your Questions, Answered

What types of cover are available under agriculture insurance?

Agriculture insurance can include cover for property damage, machinery breakdown, crop failure, livestock loss, and liability. Public and employer’s liability insurance are often essential, while more specific options like environmental liability or business interruption may also be relevant. Our role as insurance brokers is to help you find a policy that reflects your operation’s unique risks. Whether you’re working in arable, dairy or mixed farming, we’ll help connect you with suitable insurers.

Do I need agriculture insurance if I only run a smallholding?

Even smallholders face risks that could cause financial strain. While cover needs may differ from a commercial operation, small farms still benefit from insurance for buildings, tools, public liability and livestock. At Brown & Brown, we help smallholders and hobby farmers access suitable cover through flexible policies that match their scale and activities.

Can I add cover for diversified farming activities?

Yes. If you’ve diversified into new income streams such as glamping, farm shops, or holiday lets, you may need additional insurance. These can often be included as extensions to your main agriculture insurance programme. Brown & Brown can help source cover that includes diversified risks, meaning that your evolving business is considered throughout the period of insurance.

How are agricultural insurance premiums calculated?

Premiums depend on a range of factors including the size of your operation, value of assets, number of employees, and claims history. The more exposure to risk, the more cover may cost. As brokers, we compare quotes from multiple insurers to help you find a balance between cost and coverage, tailored to your needs.

Protect Your Assets

Both small farms and large estates can benefit from Agriculture Insurance to protect your business’ most valuable assets, including machinery, livestock, property and employees.

Farm Combined

Farm Combined policies support various aspects of farming operations under one policy, helping to provide more comprehensive protection without additional administrative burdens.

Minimise Financial Losses

Financial losses due to unexpected damage and adverse weather conditions can be costly and hinder farm operations. Agriculture Insurance provides a tailored approach to help minimise these impacts.

Expansion and Diversification

Future expansion and diversification efforts present unique challenges and risks that Agriculture and Farm Insurance can effectively address and cover.

Business Continuity

If met with unforeseen and damaging circumstances, having an Agriculture Insurance policy can help maintain operations and stabilise income.

Tailored to Unique Challenges

Whether it’s equipment damage, injury, crop failure or disease outbreaks, a tailored Agriculture Insurance solution specific to the farming industry can help safeguard your business operations.