Farming Insurance | Agricultural Insurance For Farmers
Farm Insurance
Running a farm is a lot of work; you have to balance weather, livestock, machinery, people and cashflow every single day. One power cut can stall milking. A broken gate can send cattle onto the road. A burst pipe can ruin feed and leave you scrambling to keep stock healthy. Farm insurance is designed to make sure your farm can remain running even when the unexpected hits. It includes the key covers all in one policy, so if something does go wrong you can fix the problem and get back to a normal routine without your finances taking a disastrous hit. At East Yorkshire Insurance Brokers, we can help you arrange an agricultural insurance policy that is tailored to how you actually work – to ensure that your farm is covered against the risks you face.
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 Insurance?
What Is It?
Farmer insurance, sometimes called agriculture insurance, is a policy that covers farm property, liabilities, livestock, agricultural vehicles and loss of income. Every farm needs insurance as you never know what’s round the corner, whether you’re a smallholder or you run a large farm with a sizable amount of livestock and land. Since there are so many risks you need to be aware of as a farmer, speaking to a farm insurance broker can help you arrange this policy by considering all the possible risks you will face day to day, and making sure your policy includes these covers. From live stock insurance to agricultural vehicle insurance, a broker like EYIB won’t leave anything important. So if you do experience a fire or flood that damages the vehicles you rely on, you won’t be left struggling for money if you have the correct cover in place.
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Why Choose Our Farm Insurance Brokers?
Why Choose EYIB
We’re Experienced
Our MD John, has over 15 years of experience in the insurance industry, and EYIB has been running for 5+ years.
Local Businesses Trust Us
More than 250 local businesses put their insurance in our hands; we make sure you have the correct cover every time.
We’ve Got Connections
We have access to over 300 insurers, which means that we have the connections to make sure that you receive the cover that your farm needs.
Years Experience
Local Businesses Insured
Insurers
Our Insurance Partners
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What’s Included In Agricultural Insurance?
What’s Included?
Public Liability Farmers Insurance
Public liability insurance for farmers will cover you if a third party is injured or their property is damaged due to your farming activities. If a delivery driver slips on a wet patch and becomes injured, you could be liable. Public liability will cover the legal defence costs.
Products Liability Farming Insurance
If you sell into the food chain (meat boxes, eggs, cheese, baked goods, fruit and veg, honey) or supply feed or bedding, products liability covers claims that an item you sell is alleged to have caused illness or property damage.
Products Liability Farming Insurance
Employers Liability Agricultural Insurance
If you employ anyone, even on a temporary or seasonal basis, employers’ liability is a legal requirement in the UK. If a worker suffers injury or illness due to their work and brings a claim against you, this section deals with legal costs and compensation.
Contents Farm Insurance
Farm contents cover your workshop tools, feed, fertiliser, seed etc. Theft and fire remain common causes of loss, but storm damage and burst pipes are also risks you need to look out for. This insurance will cover the cost of replacing any damaged materials.
Contents Farm Insurance
Live Stock Insurance
Livestock insurance safeguards the animals your income depends on. It can cover death or loss due to insured perils such as fire, lightning, accidental injury, worrying by dogs, theft, and in-transit incidents. Whether your farm has dairy cows, sheep, pigs, goats or poultry, we can get this cover sorted.
Agricultural Vehicle Insurance
Tractors, combine harvesters, quad bikes, trailers etc need the right protection. Since you heavily rely on these vehicles to carry out your agricultural activities, if a fire breaks out and damages them or they get stolen, agricultural vehicle insurance covers the cost of replacing these.
Agricultural Vehicle Insurance
Environmental Liability Insurance
As a farmer, you need to think about the implications of the work you do. For example, if your animal waste or fertiliser contaminates a river nearby, you could be sued for environmental health. Environmental liability insurance is designed for sudden and accidental pollution events like this and will cover any legal costs that may arise in this instance.
Business interruption Farm Insurance
A major incident can stop income overnight. Business interruption covers after an insured accident to pay for loss of revenue and the additional costs of working while you recover after a devastating event. For example, if a fire destroys a hay store you planned to feed through winter, you can claim for the extra cost of purchased feed and the loss tied to the interruption.
Business interruption Farm Insurance
How Much Does It Cost?
How much your agriculture insurance policy will cost, will depend on a few factors. For instance, a smallholder insurance package may cost less than a large, established farm with a significant amount of livestock and acres of land. If you’re unsure, get in touch with us today and we will provide you with a free farmer insurance quote.
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How Much Does Farming Insurance Cost?
How Much Does It Cost?
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Do I Need Farmers Insurance?
Do I Need It?
Whether you run a smallholding or a large mixed farm, you’ll need farmers insurance. The exact cover changes with how you work (acreage, stock numbers, public access, vehicles on the road) but some protection is essential. Farming carries real risks: livestock can stray and cause accidents, visitors can get hurt in the yard, machinery can be stolen or catch fire, and a spill can trigger costly environmental clean-ups and regulator attention. Without cover, you’re facing solicitor’s bills, compensation claims, and the full cost of replacing kit or lost produce on your own.
Example Of Agricultural insurance In Action
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Claims That Farm Insurance Can Cover
Farming Insurance Example
A delivery driver slips on a wet patch in the yard and breaks his leg. They bring a claim for their medical costs and pain and suffering. With public liability included in your farm insurance, your legal defence, the claimant’s recoverable costs and any compensation you’re liable for are covered, so you’re not facing the bills alone.
A dog gets into your field, by morning several sheep are dead and others need emergency vet care. You’re now paying for the animals lost, treatment for the injured, disposal costs, and, potentially, the knock-on loss of unborn lambs. With livestock insurance in place, the policy covers insured deaths caused by worrying, contributes to vets’ fees after an insured incident, and pays disposal charges.
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 Insurance Broker
Your Dedicated Insurance Broker
Meet John, your dedicated farm insurance broker who is here to help make sure you have the correct cover in place. He has over 15 years of experience in helping businesses sort out the right insurance policy, and with this knowledge he is able to secure the right cover for you and your farm. No matter whether you’re an established farm or you’re the owner of a smallholding; we will talk you through your policy in jargon-free terms so you can be confident that you’re covered correctly. Fill out our contact form or give us a call for a free insurance review today and we’ll make sure your farm stays standing.
Will business interruption cover loss of revenue if a fire destroys my hay?
It can. Business interruption is designed to cover loss of profit and the increased cost of working after an insured event, including buying feed to replace lost hay.
Will business interruption cover loss of revenue if a fire destroys my hay?
Do I need employers’ liability for seasonal workers or labour-only help?
If you employ anyone, even temporarily, employers’ liability is a legal requirement. We’ll confirm how you engage people and arrange cover accordingly.
Is my tractor covered on the road under a standard farm policy?
You need agricultural vehicle insurance that includes road risks for tractors, quads, and any trailers used on public roads.
Is my tractor covered on the road under a standard farm policy?
Do I need public liability if I only farm a few acres as a smallholder?
Yes. Even smallholder insurance should include public liability because visitors, delivery drivers and public rights of way create exposure to injury and property damage claims.