Insurance cover for farms large or small
Farmers of all sizes can benefit from a tailored farm insurance policy designed for their precise needs. When it comes to protecting your farm, fine tailoring actually costs less.Get a quote
A-Plan Farm Insurance
Whether your farm is large or small, running a farming business is demanding work.
It requires keeping an eye on many moving parts daily. This is why it is important to invest in farm insurance that is going to protect your farm as well as you do!.
With so many different types of modern farming methods and elements involved, it is essential to make sure your insurance properly covers your farm's needs.
You can speak to the A-Plan Rural Team to get a quotation on 01234 230 300 or request a quote
What we offer
- Cover for a wide range of rural, farming and business risks
- A network of rural insurance specialists across the country
- Dedicated farm claims handlers to support clients through their claims
- Access to our high street branches and insurance products
- Tailored insurance to meet each client’s personal and commercial requirements
- Quality advice delivered face-to-face and over the phone
- Some of the widest cover in the marketplace at competitive rates
What is farm insurance?
Farm insurance, also known as agricultural insurance, offers insurance coverage specifically for farms to protect your business, farm buildings, livestock, farm machinery and much more under one single policy.
Farm insurance cover makes sure your assets and livelihood as a farmer are protected against any number of accidents and incidents, including natural causes such as floods that may affect the running of your farm.
Do I need farm insurance?
Yes. Farmers face many risks outside of their control when it comes to running a farm, such as flooding, storms and fire so it is important to have the correct farm insurance policies in place.
For example, in the case of a fire, there could be significant damage not only to your farm buildings and farm machinery but also to livestock and crops. Not only does this put operating a farm at a standstill, but it also affects your income in addition to facing large costs to repair and restore damages.
Having the right farm insurance policy in place protects your farm from the many risks that can interrupt your livelihood and increase the costs of running your business.
Farm insurance is a must-have for commercial farmers. If, on the other hand, you have a small farm as a hobby that is not used for commercial purposes, then you may be able to use your standard home insurance policies to cover some elements of the farm.
What farm insurance do I need?
When looking for farm insurance policies, it is important to consider what type of farm you have. You'll need to have a thorough understanding of the needs of your property and business as different farming practices will need different kinds of insurance. There may also be some farm insurance policies that are not relevant to your business.
For example, a pastoral farmer who has livestock will need to have a farm insurance policy that includes livestock insurance as opposed to an arable farmer, who produces crops. For example Livestock farmers may need to consider insuring their livestock against disease and arable farmers may need to consider Hail cover or loss of revenue for crops in store.
What cover do I get?
With farm insurance, you typically opt for a farm insurance package that includes a range of cover that is specialised and tailored to the demands and needs of your farm . This is because farms vary considerably from the nature of the farm business to the size of the farm, and more.
It is important to review exactly what farm insurance cover your business needs. This will not only ensure that your farm has the right protection but also help you to avoid including any unnecessary policies that result in higher costs.
When looking for farm insurance, you will need to consider features that protect you, your property and your employees against the worst-case scenario. For example, employer's liability will offer you protection if your employees suffer any injuries or illnesses through their work on your farm.
Modern farms will also need to be aware of the dangers of pollution and consider insurance that covers any damages from fuel or chemical spillages. Many farmers today have diversified their business (for example, by adding holiday lets, camping and wind turbines to their land), and farm insurance can cover for that.
At the heart of the farm is the goods that are produced, and these need to be protected. Farm insurance can include cover for products in transit. This covers for any losses that may occur if there is any damage to your livestock or farm goods when transporting them. There is also the option to insure your livestock and arable produce against theft, loss or damage.
Are my vehicles covered?
Although farm insurance packages are extensive and specialised, they do not all include cover for farm vehicles and any vehicles that are registered for road use will be specifically excluded.
Fortunately, you can take out insurance for agricultural vehicles which will cover a range of vehicles on your farm under one single policy.
In most cases, you can opt for Agricultural Vehicle Insurance which will cover most vehicles on your farm, such as quad bikes, balers and tractors. Alternatively, you can go for Vintage Agricultural Vehicle Insurance which covers vehicles 25 years old and over.
How can I find the right farm insurance policy for me?
Having specialised farm insurance policies in place is essential to protect your assets, such as your farm properties, farm equipment, farm products and farm animals.
Working with an insurance broker allows you to do just that. Insurance brokers work closely with farmers and offer their advice and experience to search for the best possible deal for your farm making sure that all your needs are covered, in addition to finding specialised policies that fit within your budget.
Brokers draw on their industry connections comparing prices and cover, so that you don't have to and this service comes at no cost as brokers get their fees from a commission from whichever insurance provider you decide to go for.
Can I have tailored packages?
You can talk to your insurer to find out more about tailored insurance for your farm. Here at A-Plan we provide bespoke and tailored agricultural insurance packages. Contact us now to receive specialist advice.
Will my insurer understand my farm's individual needs?
When buying farm insurance, talk to your insurer to make sure that they are able to offer a tailored plan that works for your business. Check that they understand the risks that are specific to you, and know what cover your agricultural business needs.
What happens if I need to make a claim?
When making a claim, you will need to have all the relevant policy details to hand. Keep your paperwork and policy number in a safe place, as you will need this if you ever need to make a claim.
Provide your insurer with as much detail as you can, including dates and people involved. When making a claim with A-Plan, our farm claim specialists are on hand to support you, making the process as seamless as possible as you are dealing with people who understand the sector and know how to help you.
That's all the insight you need if you are looking for farm insurance to help you find the appropriate cover. Whether you are working with a large property or a small one, farm insurance will help you protect your land, animals and machinery.
Talk to us to save yourself time and moneyTry us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.
Have dealt with various branches for 30 years. I have nothing but praise for the extremely competent way they have dealt with my house and car insurances.
Very satisfied Staff very helpful, new premium a very fair price, paperwork copy offered as well as email. Wish I’d changed to them years ago!
Mrs Dobson, 06.09.2021
I have been with A-plan for many years and find they are very helpful and friendly. I trust them to take care of all of my insurance needs. Wouldn't use anyone else.
Mr Garner, 04.09.2021
I have just renewed my public liability insurance with A-plan and Ben Blank was FANTASTIC saved me a fortune and made the whole process very simple. Outstanding service! Do yourself a favour phone Ben!
Mr Thompson, 03.09.2021
Renewal time Yep that time again and once again A plan stepped up...same service, same cover, same price as last year... very easy to deal with an very helpful so yet another year, I'm more than happy to remain at A plan cheers guys 👍
Mrs Ashton-Heyen, 01.09.2021
They seem to be people who care. I feel the people at A Plan care about you and do their best to give suitable advise and suggestions. They don't rush you into making a decision as to whether to use their company and make you feel that you have as good a piolicy as you can get.