Running a working farm isn’t for the faint hearted or the lazy. Physically and mentally demanding, you’ll work long hours and the last thing you want to do when you get in is sort out your farm insurance policy.
At BJP we offer a personal service to cater for all your farming & domestic insurance needs, including cover for Agricultural, Private and Commercial vehicles all under one policy. Whether you have a smallholding or a large farm, we have a wide selection of covers available with flexibility to choose what you need to suit your business.
What is Farm Insurance?
A farm insurance policy can be tailored to suit your particular needs, but in principle it’s an insurance policy designed to include cover for all of the risks that you face when running a farm, including cover for buildings and contents, livestock, vehicles and transporting goods. It can include protection for your tools and machinery, as well as public and employers liability.
What types of protection are typically included in a Farm Insurance policy?
Insurance for farms is typically divided up into a number of key areas:
- Farm property insurance (buildings and contents)
- Liability insurance for farmers
- Farm livestock insurance
- Farm vehicles cover
- Machine breakdown and statutory inspection cover
- Farm Business Interruption
- Deterioration of frozen and/or refrigerated food
- Uncollected milk cover
Other areas of protection that can be included in a farm insurance policy are:
- Personal Accident and Sickness
- Money (including cattle ID documents)
- Commercial legal protection
- Farm property in transit (Note – this usually excludes livestock)
You may also wish to consider environmental liability cover for farmers. This is designed to protect you from claims that you’ve in some way damaged the land through your business activities. It could be something as simple as leaked slurry getting into a local river and causing issues for the local wildlife.
We understand that many farmers have diversified into different areas to make the most of their resources and we can provide cover for a wide variety of ventures from Farm Shops or Cafes, Camp Sites, Livery Yards, or Commercial & Residential Property Letting, to Wind Turbines & Solar Farms.
Bespoke insurance and risk management programmes for all sizes of farm.
Farm vehicle insurance
The average working farm will have a number of vehicles operating throughout the day. From quad bikes through to Land Rovers and tractors – perhaps a combined harvester – they all need to be adequately insured. We can tailor cover for farm vehicles either as a fleet (where all vehicles and potentially all drivers can be covered on a single policy) or individually. You can find out more by visiting the following pages on our website:
- Quad Bike Insurance
- Tractor Insurance
- Agricultural vehicle insurance
- Vintage tractor insurance