Farmers Insurance that fits the way you work
Farming in the Channel Islands is more than a business. It is a way of life.
You might run:
- A traditional farm
- A smallholding
- A stable or livery yard
- Another agricultural enterprise
Every day you rely on land, livestock, equipment and people. If something goes wrong, the right insurance helps you recover and keep the farm running.
Who this suits
Farming & Agriculture Insurance is ideal for:
Smallholdings, hobby farms and homes on working farms
Equestrian and livery yards
Agricultural contractors and machinery operators
Horticulture, local produce businesses
Landowners who lease fields or run mixed-use rural sites
Swipe left or right to see more ➡️
Your livelihood may rely on land, animals, machinery or visitors. This cover helps protect that income.
What your policy can include
Exact features vary by insurer. We explain how cover applies to your farm and outline any key conditions that may be relevant.
Core protection
Your farm policy can include cover for:
Farm buildings
Barns, sheds, grain stores and outbuildings.
Barns, sheds, grain stores and outbuildings.
Farmhouse
Your home on the farm, insured under the same policy.
Your home on the farm, insured under the same policy.
Livestock
Risks such as illness, injury, theft, straying and worrying.
Risks such as illness, injury, theft, straying and worrying.
Agricultural machinery and equipment
Tractors, attachments, tools and other farm equipment.
Tractors, attachments, tools and other farm equipment.
Produce, crops and animal feed
Items you grow, store or rely on to feed stock.
Items you grow, store or rely on to feed stock.
Public liability
Covers you if someone gets injured on your land and makes a claim.
Covers you if someone gets injured on your land and makes a claim.
Product liability
Cover for food, milk or produce you sell if it causes harm.
Cover for food, milk or produce you sell if it causes harm.
Environmental and pollution incidents
Cover for some pollution or contamination claims.
Cover for some pollution or contamination claims.
Business interruption
Help with lost income after an insured event, such as a fire or storm damage.
Help with lost income after an insured event, such as a fire or storm damage.
Damage from fire, storm or flood
Cover for your farm and property damaged by these events.
Cover for your farm and property damaged by these events.
Stock deterioration
Cover if perishable stock spoils after a refrigeration breakdown.
Cover if perishable stock spoils after a refrigeration breakdown.
Money cover
Cover for cash from markets or deliveries.
Cover for cash from markets or deliveries.
Optional extras
We help you choose what cover you need.
Options can include:
Employers’ liability
Covers you if farm workers, family members or volunteers get hurt while working for you.
Covers you if farm workers, family members or volunteers get hurt while working for you.
Tack and equestrian equipment
Saddles, rugs and related kit
Saddles, rugs and related kit
Specialist machinery
Such as milking systems, irrigation and farm technology
Such as milking systems, irrigation and farm technology
Farm home and contents
As part of a combined farm policy
As part of a combined farm policy
Rural business extensions
workshops and markets on the farm
workshops and markets on the farm
Goods in transit
For produce, feed and livestock while being transported
For produce, feed and livestock while being transported
Legal expenses
Assistance with certain disputes, including employment or tenancy matters.
Assistance with certain disputes, including employment or tenancy matters.
Personal accident cover
Pays a benefit if you or an employee are seriously injured and unable to work.
Pays a benefit if you or an employee are seriously injured and unable to work.
Some types of farm work are higher risk, including large machinery and contracting, and for these the insurer may need further information. We help you provide the right details.
How we help
-
Step 1 of 4
You tell us about your farm You tell us about your land, livestock, equipment and buildings. You also tell us about any extra activities.
-
Step 2 of 4
We compare insurers We approach insurers who understand farm and rural risks and gather quotes for you.
-
Step 3 of 4
You review your options We explain what each policy includes and where they differ. We highlight anything important to think about.
-
Step 4 of 4
We arrange your cover Once you are happy, we set everything up and send your documents.
We are here at renewal and if you ever need help with a claim. All policies have terms, conditions and exclusions, and we explain these clearly.
Why use a broker for farm insurance?
-
We work for you, not for the insurers.
-
Our local advisers understand island farming.
-
We help with livestock, machinery and diversified rural businesses.
-
We have experience with the Channel Islands’ risks and regulations.