Farm & Agricultural

Farm Combined Insurance

Comprehensive cover for your farm, in one simple policy

We will work with you to establish your line of farming in order to arrange a policy tailored to your business.

We understand that the requirements of an arable farmer will differ significantly to those of a dairy farmer, which is where Farm Combined Insurance steps in. Its flexibility ensures it’s suited to a wide range of farms which means you won’t end up paying for something you don’t need

Cover includes

  • Machine breakdown
  • Environmental liability
  • Farm buildings and contents
  • Personal Accident
  • Business interruption
  • Livestock insurance
  • Public/Employers/Product liability

Farm Vehicle Insurance

Keeping your farm vehicles up and running

Specialist vehicles need more than standard Commercial Vehicle Insurance.

You can choose between comprehensive, third party only or third party fire and theft cover along with liability protection in the event of an accident.

Farm Fleet Insurance

If you have multiple vehicles on your farm, we can organise fleet cover which ensures all your vehicles are insured under one policy, rather than having to source insurance for each vehicle individually. This can cover your private, commercial and agricultural vehicles, together with any trailers, ploughs or other ancillary equipment on or off your private farmland.

Livestock Insurance

Safeguarding your livestock

Protect your cattle, sheep, pigs and even alpacas against circumstances which are beyond your control.

With Livestock Insurance you can extend the care for your animals when they’re home or abroad, so you’re not landed with costs associated with problems that may come up in the future.

We can help you protect your animals in the event of:

  • Disease
  • Infertility
  • Mortality
  • Theft
  • Straying


Speak to our team at The Insurance Centre to find out more about how you can cover your livestock and what this protection entails.

Farm Building/Contents Insurance

Providing protection for your home, barns and outbuildings

Farms are often home to a range of structures which shelter livestock, valuable equipment and tools, machinery and vehicles. In the event of a storm, fire or flood, this could compromise the integrity of these buildings and damage both the buildings themselves and the contents inside.

The Insurance Centre can help you protect your home, farm buildings and the contents inside them. You will also be covered in the event an employee or a member of the public suffers an injury in circumstances relating to one of your buildings.

Specialists in farming insurance for over 20 years

Covering the farmers of the North-West and beyond 

We can provide a robust and comprehensive cover for your individual farming requirements and with a farmer in the midst of our team of specialists, we’re suitably equipped to get to the roots of what you need.

We’re even willing to go the extra mile and visit your farm to ensure to help us get clear vision of your insurance requirements.

Are you looking to cover your farm for diversification ventures such as children’s parties or school trips?

We can help arrange cover for non-standard activites on your farm for when you’re looking to branch out.

Farm Combined Insurance

Assessing the risks on your farm

Risk Assessment is important and you are expected to take reasonable measures to minimise risks in your workplace. There are online forms/guides to help you do this, as well as training courses and guidance from Health and Safety Executive (HSE).

Recognising any potential hazards

The HSE website can help you with this. Walk around your farm, talk to your workers and look at it from all angles.

Identifying those at risk

Consider who can be harmed by any hazards you find, would it be your employees, members of the public or even your livestock?

Consider how to deal with individual risks and take action

Go through every risk you have identified and take note of how you can either eliminate or reduce them. Ensure you have control over every risk.

Keep a record of your findings and put precautions in place

Once you’ve noted how to control the risks, take action to put these steps into place. Make sure your staff are fully aware of these too.

Regularly review, update and improve

Things are always changing and moving in the rural industry, therefore you need to make sure you keep up with the changes in your farm as these can bring new risks.

The Rural Protect Scheme

You can benefit from Rural Protect, a bespoke management liability policy designed to protect your rural business

Drawing on 20 years of experience of the issues facing the rural community

The Rural Protect scheme has been developed by the Rural Insurance specialists at HB underwriting in partnership with AXA, who found that regular agricultural insurance does not provide the level of cover required for the modern rural business.  This policy covers a number of risks which may not necessarily be covered otherwise.

Offering Three Levels of Comprehensive Cover


With Rural Protect, the same level of protection offered is the same for farm partnerships, sole traders and directors of limited companies.

This includes:

  • Personal liability – Covers for incidents where you are legally responsible
  • Company liability – Covers for incidents where your company is legally responsible
  • Employment practice liability (optional) – Covers employers for claims made against them by employees

Covers Defence Costs from all UK Enforcement Agencies

This policy covers all fees of defending your business from all UK regulators, including the cost of investigation, prosecution and warnings.


  • HMRC
  • HSE
  • VOSA
  • UK Border Agency
  • Companies House
  • Environment
  • DVSA
  • Police
  • Forestry commission

Support and Cover for Disputes

This policy can offer support and cover in a wide range of legal matters/disputes with third parties. This could include suppliers, completion, neighbouring farms, customers, employees, shareholders, creditors and landlords.

With this policy, both investigation and defence costs are covered, plus awards. The fees for professionals such as forensic accounts and mechanics used during the investigation and defence process will also be covered.

Features include: 

  • Single farm payment appeals
  • Pollution clean-up costs up to 25k as standard
  • Employment tribunals
  • HR
  • Taxation
  • Health and safety
  • Cyber Liability
  • Pursuit cover – legal costs of you pursing a third party
  • Rent arbitration dispute
  • Employee theft/dishonesty
  • Civil action – from neighbouring farms to suppliers, employees and customers
  • Pension administration

Additional Features

With Rural Protect, you will have access to support from leading law firm rradar, an award-winning legal team who will be there each step of the way.

  • 24/7 crisis support line
  • Advice and guidance from specialist lawyers
  • Legal representation
  • Face-to-face and telephone legal advice available
  • Access to PR expertise and costs in the event of an incident

After putting your time and energy into defending your business against a liability claim, we want to make the process of making a claim simple and fair.

  • ‘Any One Claim’ Limit of indemnity
  • Quick, efficient quotes and simple proposal form

We have dealt with The Insurance Centre for over 20 years and they have always provided excellent service and on the rare occasion we have had to make a claim on our policies we have always received a prompt settlement.

Mrs B Wootton | Salon Owner

Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.

Sarah and Ben Johnson | High Net Worth and Property portfolio client

From the initial enquiry to going on cover, Alan our contact at The Insurance Centre has been incredibly friendly, helpful and knowledgeable.

He works with us to ensure we are happy and leaves me with the confidence that the insurance side of our business is taken care of. Nothing is too much trouble and the personal service provided is second to none.

Kym | Get Lost Escape Rooms

Although I have now retired I would like to thank Carl and the team at The Insurance Centre for their service over the years. They have provided me with insurance cover both as a manufacturer and as a landlord and I have always relied on the help and advice provided to me.

I would be happy to recommend their services to anyone looking for insurance cover.

Steve Allen (MD) | Steve Allen Properties Limited

Frequently Asked Questions

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