Carefully designed solutions for this diverse sector

The policy recognises the ever growing professionalism of farmers by rewarding good management practices and modern farming techniques with quality cover and service which costs you less.

Mixed farming

Machinery and plant are covered within specified limits, eliminating the problems associated with under insurance and potential loop holes are removed when covering your stock and crops because of our ‘sow to sale’ principle. 

Cover combines elements of both our livestock and arable policies to provide wide ranging cover.

Cover includes:

  • Crops and livestock from birth/sowing to sale
  • Breeding stock that is not for sale – cover can include infertility – plus working dogs
  • Livestock in transit up to specified limits
  • Deadstock (agricultural produce including growing crops not intended for sale and farm stock) automatically covered within the business interruption section
  • Machinery plant, implements, tools, equipment, fixtures and fittings within specified limits
  • Optional additional items of farm property creating flexibility for the diversifying farmer
  • Business interruption insurance to cover any revenue e.g. caravan storage, farm shop, telephone masts, bed & breakfast, etc.
  • Uncollected milk - compensation for up to £2000
  • Employers’ liability up to £10,000,000 – premium based on wage roll
  • Public liability up to £10,000,000 normally based on acreage of farm, but other activities, such as bed & breakfast may either take into account turnover or number of beds
  • Money up to agreed limits
  • Assault, personal accident and sickness up to specified limits
  • Farm property in transit 
  • Supplementary all risks cover for items such as office equipment, portable tools and cattle passports up to agreed limits
  • Commercial legal expenses up to £100,000 limit of indemnity – extended to include tenancy disputes
  • Home insurance - buildings and contents cover for all homes listed
  • Motor insurance to cover private cars, commercial vehicles, agricultural vehicles, trailers and attachments anywhere in the UK - up to £25,000 for any one item
  • Terrorism insurance can be accommodated
  • Please note the following standard contingencies apply:
  1. Fire, lightning, explosion
  2. Electrocution
  3. Aircraft
  4. Earthquake
  5. Riot, civil commotion, malicious persons
  6. Impact (including impact own vehicles)
  7. Falling trees
  8. Worrying of sheep
  9. Fatal injury in transit - £ limit any one load (£500 excess applies)

For more information about our mixed farming insurance, please Contact us.