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Farm Shop Insurance
Shop Insurance
For Farms
Running a farm shop means you’re exposed to the risks of retail: footfall, slips and trips, chillers breaking, and damaged stock. Farm shop insurance covers those risks under one policy so a customer falling or a contaminated batch doesn’t derail trading or cashflow. At East Yorkshire Insurance Brokers we can arrange your shop insurance for farms in one package that covers your business when the unexpected happens.
Trusted by 250+
Local Businesses
Access To Over 300
Insurance Markets
Our Clients Rate
EYIB 4.9/5 Stars
Trusted By 250+ Local Businesses
Access To Over 300 Insurance Markets
Our Clients Rate EYIB 4.9/5 Stars
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What Is Farm Shop Insurance?
What Is It?
Farm shop insurance is a combined policy that covers your shop operations and the farming risks that sit behind them. This may include public and products liability, employers’ liability, buildings and contents, and business interruption integrated with the realities of agriculture such as seasonal staff and food products that may be made or packed on the farm. If a batch of pies causes illness, a visitor slips in the car park, or a freezer fails overnight, the policy steps in so you can fix the problem and carry on trading. Done right, farmers’ shop insurance gives you peace of mind that if you experience a peril such as a fire, your business is covered.
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Why Choose Us For Farm Shop Insurance?
Why Choose EYIB
We’re Experienced
Our MD John has 15+ years of experience in commercial insurance, and EYIB has been trading for over 5 years. This experience means you can trust us to arrange the cover you need.
Local Businesses Trust Us
More than 250 businesses put their insurance trust in us. If you need insurance cover, we can make sure your policy is correct.
We’ve Got Connections
We have access to over 300 insurers. So when you choose us, you can trust that we can sort the cover that your business needs.
Years Experience
Local Businesses Insured
Insurers
Our Insurance Partners
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What’s Included In Farm Shop And Farmers Shop Insurance
What’s Included?
Public Liability Insurance
Public liability insurance for farm shops covers injury to visitors or damage to third party property that’s caused by your activities. If a customer slips on the wet floor of your farm shop then this insurance will cover medical expenses and potential legal costs from this accident.
Employers’ Liability Insurance
If you hire employees in the UK, then it’s legally required that you have employers liability insurance in place. This can be included in your farm shop liability insurance so if an employee suffers illness or injury due to their work, this will cover legal expenses if you are held liable.
Employers’ Liability Insurance
Products Liability Insurance
If your farm shop sells food ingredients such as meat boxes, pies, jams, cheese, eggs, bakes or honey, product liability will cover you if your items have caused illness.
Buildings Insurance
Buildings insurance covers the structural damage to the building you’re operating out of, in case there’s a fire or a flood for example that leads to costly repairs, this cover will mean you won’t have a devastating amount to pay to repair your shop.
Buildings Insurance
Stock Insurance
Stock insurance will cover the items you sell against fire, theft, flood and similar insured perils. If something like this happens and you don’t have this policy in place, you will have to cover the cost of replacing your stock yourself.
Business Interruption Insurance
If you have to stop trading because of something unexpected, like storm damage to your roof or your fridge gets damaged and the produce you sell is ruined, you not only have to pay to repair damage and lost products, but you will also lose money while your business closes. Business interruption covers the cost of loss of profit during this down time.
Business Interruption Insurance
How Much Does It Cost?
How much your farm shop insurance will be will depend on a few factors. How big your shop is, the type of produce you sell and amount of stock you hold. If you run a farm shop, give us a ring and we’ll take the time to understand the specific covers you need and provide you with a free insurance quote.
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How Much Does Farm Shop Insurance Cost?
How Much Does It Cost?
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Do I Need Farm Shop Insurance?
Do I Need It?
If you have customers on site, take payments, sell food, or employ staff, it’s highly recommended that you have shop insurance for farms. Retail introduces public footfall and selling produce like meat and dairy come with their own risks. A combined farm shop insurance policy recognises those overlaps so one accident or contaminated batch doesn’t turn into a cashflow crisis.
Example Of Farm Shop Insurance In Action
Dave owns a family-run farm shop that sells its own sausages, bakes and cheese, plus produce from neighbouring farms. One Friday night a power cut takes out two freezers and some stock has spoiled. Later that weekend, three customers reported food poisoning and pointed to cooked items bought that day. Fortunately Dave took out stock insurance which covers spoiled stock and products liability to cover the illness claims and legal response. This meant that Dave’s farm shop was able to keep trading with limited disruption to his income.
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Claims That Farmers Shop Insurance Can Cover
Farm Shop Insurance Example
A customer slips at the shop entrance after a rain shower and fractures their wrist. They put in a claim for medical costs and pain and suffering. With public liability included in your farm shop insurance, your legal defence costs and any compensation you’re liable for are handled by the policy, so the bills don’t land on you.
A jarred chutney is linked to food poisoning and several customers make allegations of illness. Products liability steps in to deal with the cost of claims made against you and any damages you’re responsible for.
What Our Clients Think
John was amazing—friendly, patient, and full of great advice. He really took the time to understand our charity and made sure we got exactly the right insurance. Highly recommend East Yorkshire Insurance Brokers
Billy Dasein
East Marsh United
Sarah provided excellent service, taking the time to review our sums insured and ensure everything was accurate. She pointed out gaps in our cover we weren’t aware of and explained everything clearly. We feel much more confident now. Highly recommend East Yorkshire Insurance Brokers!
Connor Hewson
Assured Marketing
East Yorkshire Insurance Brokers have looked after our insurance for several years, and we’re always impressed by the great service they provide. They’re professional, reliable, and always find us a competitive deal. Couldn’t ask for better!
Jason Kay
H2MO Limited
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Your Dedicated Farm Shop Insurance Broker
Your Dedicated Insurance Broker
Meet John, your farm shop insurance broker. With 15 + years of experience in the insurance industry, John is the one to trust when sorting your farm shop insurance policy. At East Yorkshire Insurance Brokers we’ll always take the time to understand exactly how your shop operates, so we can make sure you’ve got the most appropriate cover. Don’t wait for the unexpected to happen, give us a call today and ensure that you’re covered!
Is product liability included in farm shop insurance?
It’s a core part of farm shop insurance because you sell food that can cause illness or damage if something goes wrong.
Is product liability included in farm shop insurance?
Do we need employers’ liability for farm shops?
If you employ anyone (temporary or seasonal) employers’ liability is a legal requirement. Your farm shop liability insurance will include it where needed.
What insurance do I need if I sell meat at farm shops?
Products liability can be included in your farmers shop insurance to cover you if a customer becomes ill from the meat you sell.