Question 1

What does farm insurance typically cover?

Accepted Answer

A standard farm insurance policy arranged through Premier Insurance includes public liability (usually £1m–£10m), employers' liability (£10m minimum if you employ staff), tools and equipment, business contents, stock, and optional cover such as professional indemnity, cyber liability, business interruption and product liability. Cover is tailored to how your farm operation actually works rather than a one-size-fits-all package.

Question 2

How much does farm insurance cost in the UK?

Accepted Answer

Farm insurance premiums in the UK typically start from around £15–£45 per month for sole traders and rise based on turnover, number of employees, claims history, location and level of cover. Premier Insurance compares quotes from 200+ UK and Lloyd's of London insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA and QBE — so you only pay for the cover you genuinely need.

Question 3

Do I legally need farm insurance?

Accepted Answer

If you employ any staff in the UK — even part-time or casual — Employers' Liability Insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 with a £10m minimum limit. Public liability is not legally required but is contractually demanded by almost every commercial client, landlord, local authority and main contractor.

Question 4

How quickly can Premier Insurance arrange farm cover?

Accepted Answer

For most standard farm risks we can provide quotes within the same working day and issue cover the same day once you accept the quote. Speak to a UK broker on 020 8908 2426 (Mon–Fri 9am–5:30pm), WhatsApp 07954 331362 or email hello@premier-insurance.co.uk.

Farm Insurance

Farm insurance for livestock, arable and diversified farms

Farms we cover

Speak to a UK insurance broker