Farm & Agriculture Combined Insurance
Farm insurance backed by Aviva with flexibility to cover risks from traditional farms to diversified rural enterprises.
Agriculture insurance has been a fundamental requirement of many of our brokers since our formation. We operate an MGA designed for farms and agricultural diversification with long-term capacity provided by Aviva. We have developed, improved, and refined our product to ensure its features and services can cater for a range of different agricultural enterprises.
Our policy is specifically designed for farms and agricultural diversification and can cater to traditional and specialised farms. Whether your clients are involved in crop cultivation, livestock rearing, holiday homes, or letting out buildings, we can arrange a policy to protect them from the risks they're exposed to.
Key product features
Environmental Impairment Liability (EIL) cover included
Cover for wide range of diversification
Public liability
Property damage
Business interruption
Farm vehicles & machinery
The service provided by Glemham is consistently good, from the moment you make contact. The staff are professional, attentive, and genuinely helpful. The underwriters use a common sense approach to risks and are always happy to discuss the risks and queries we have.
Alice Thomas - FUW Insurance Services Ltd
Risk appetite
We're interested in risks that are majority farming activity, with some element of diversified activity also accepted.
Standard farming:
Dairy
Arable
Livestock
Fruit farms
Diversified farms, including:
Let property - commercial-use & holiday lets
Guest house and B&Bs
Campsites
Retail
Agricultural contracting
Farm tours / visits
Agricultural contracting
Working with A-rated capacity from Lloyd's of London syndicate, Ascot 1414, we can offer standalone liability or commercial combined policies for contractors of all types in the agricultural and rural sectors.
Whether your client is exclusively an agricultural contractor or their non-farming diversifications have developed to the point that separate cover is required, we can provide policies with the following covers:
Cover for a wide range of contractors' business activities
Care, custody, or control extension (subject to underwriting)
Public and Products Liability, Employers' Liability, and Property cover
Public and Products Liability limits from £2m to £5m
Primary or Excess layers available
Why choose Glemham?
We insure a range of farm and agricultural businesses, from traditional arable and livestock farming to diversified farms operating holiday lets and agricultural contracting. Having operated our scheme with Aviva since 2019, we have refined and enhanced it to better reflect the real risks faced by farming and agri businesses.
By working with Glemham, you get direct access to our underwriters, and we'll talk through the risk before making an assessment.
Direct access to our underwriters
Flexible approach to diversification
Aviva-backed long-term capacity
Motor & farm package policies available
Expertise in rural and agricultural businesses
Consideration for unusual risks
Case studies
Livestock farm
The risk: A dairy farm.
The solution: We worked closely with the broker to discuss the nature of the business and high level of exposures presented. The client demonstrated a positive attitude to risk mitigation, and we had an enhanced understanding of how the client actively controls these exposures. The additional information and evidence of remedial action gave us sufficient confidence to place the risk on cover subject to an appropriate risk survey.
Diversified farm
The risk: A diversified farm including poultry farming, residential property, a caravan site, and renewable energy plant.
The solution: We set up a meeting with the broker to discuss the business in more detail. This provided an opportunity to work collaboratively and ask targeted underwriting questions to access the risk features. Having been provided with the clients processes and the exposures involved, we gained a comprehensive understanding of the business. This provided the required underwriting information, and we were able to offer cover.
Diversified arable farm
The risk: An arable farm (potatoes) with commercial property of non-standard construction, let to higher-risk commercial tenants.
The solution - We worked closely with the broker to understand the extent of non-standard insulation in the potato stores, the tenant’s activities, and their non-standard heating method. We also reviewed the client’s risk management controls, enabling us to assess each exposure on its individual merits and provide an appropriate underwriting solution.
FAQs
We can consider a range of farming activities from arable, livestock, and dairy farmers. We can consider non-intensive poultry risks, subject to our acceptance criteria. Rural property, holiday lets, and private dwellings can be included.
Agricultural contracting, including spraying and third-party crop damage can be considered, subject to the turnover not exceeding 40% of the total farming income.
Retail sales, holiday lets, and letting of land can be considered on a risk-by-risk basis. A detailed description of the activities undertaken and a turnover split will be required for each diversification.
We can include motor fleet risks, subject to the farm combined being placed at the same time. The vehicles must predominantly be agricultural vehicles with a mix of private and commercial vehicles. High-value and/or performance vehicles can be considered on a risk-by-risk basis.
We do not offer a standalone motor fleet policy.
We will be responsible for completing the MID.
Typically we will require:
- A detailed fair presentation of risk, including photographs of the buildings and farm.
- Full description and construction information of all buildings to be insured.
- Details of heating methods in buildings.
- Biomass boilers can be considered with full information.
- Estimated sums insured for property damage, business interruption, and livestock.
- Estimated annual revenue sum insured along with indemnity period.
- Details of all claims within a 5-year period for farm insurance, and within a 3-year period for the motor fleet.
- Target or expiring premium.
To get a quote, send a presentation or download and complete our proposal form, returning it to [email protected], or speak to one of our underwriters on 01728 441 850.
All our farm policies include EIL cover, with a range of indemnity levels from £500,000 to £2,000,000.
Our farm insurance team
Find out more
To find out more or to get a quote, speak to a member of the team.