Agriculture Insurance
Insurance for Modern Farming
Specialist cover for farms, equipment, crops & livestock
Overview
Farm insurance in the UK has traditionally been delivered through highly local, agent-led models that offer familiarity and straightforward, standardised cover for conventional farming operations. While effective for simpler risks, these approaches can lack flexibility when farms become more complex, diversified, or non-standard.
At the other end of the spectrum, some brokers have shifted towards call-centre models, prioritising volume over relationship-driven service – with efficiency prioritised over deep understanding. Our approach bridges this gap.
We combine specialist sector knowledge with tailored risk assessment, building insurance solutions around each individual farm to provide the flexibility, expertise, and personal service modern agricultural businesses require.
Ready to help minimise your risk and uncertainty?
Fill In Our Quick Form Today for a Quote.
How We Can Help
At Brown & Brown, we provide agriculture insurance broking services tailored to meet the varied needs of rural businesses across the UK. No two farms are the same, which is why we work with you to understand the unique risks of your operation. Whether you’re farming livestock, growing arable crops or running a diversified enterprise, we’ll help you find the right policy from a panel of trusted insurers.
Cover options we source may include livestock protection, buildings and machinery, business interruption, and liability insurance. For those involved in diversified activities such as glamping, educational visits or renewable energy, we can find you a policy that reflects all operational aspects.
Typically Covered
- Agricultural Buildings Cover
- Agricultural Contents Cover
- Public and Products Liability
- Employers Liability
- Environmental Liability
- Livestock Cover
- Milk in Tanks Cover
- Personal Accident Sickness
- Goods in Transit Insurance
- Household Insurance
- Property Owners Cover
- Legal Expenses Cover
- Renewable Energy and Solar Panels Cover
Not Typically Covered
- Market Price Fluctuations
- Intentional Acts or Negligence
Our support does not end at finding a policy. We also assist with claims processes, risk assessments, and ongoing policy reviews to help you remain suitably covered as your business evolves. With a focus on clarity and communication, we aim to make insurance simple and accessible. With Brown & Brown, you’re supported by a team that understands farming, listens carefully, and sources reliable insurance solutions to help keep your business moving.
Insurance Solutions You Can Trust
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Rural Sector Understanding
Tailored Agricultural Solutions
Claims and Policy Support
Request a Quote
- Simple & Efficient – Request a quote now
- Trusted Advisors – Nationwide specialists
- Exceptional Service – Rated by real customers on Feefo
Your Questions, Answered
Agriculture insurance can include cover for property damage, machinery breakdown, crop failure, livestock loss, and liability. Public and employer’s liability insurance are often essential, while more specific options like environmental liability or business interruption may also be relevant. Our role as insurance brokers is to help you find a policy that reflects your operation’s unique risks. Whether you’re working in arable, dairy or mixed farming, we’ll help connect you with suitable insurers.
Even smallholders face risks that could cause financial strain. While cover needs may differ from a commercial operation, small farms still benefit from insurance for buildings, tools, public liability and livestock. At Brown & Brown, we help smallholders and hobby farmers access suitable cover through flexible policies that match their scale and activities.
Yes. If you’ve diversified into new income streams such as glamping, farm shops, or holiday lets, you may need additional insurance. These can often be included as extensions to your main agriculture insurance programme. Brown & Brown can help source cover that includes diversified risks, meaning that your evolving business is considered throughout the period of insurance.
Premiums depend on a range of factors including the size of your operation, value of assets, number of employees, and claims history. The more exposure to risk, the more cover may cost. As brokers, we compare quotes from multiple insurers to help you find a balance between cost and coverage, tailored to your needs.