Compare cheap agricultural insurance

Compare agricultural insurance policies from specialist providers

If you own an agricultural business it would be a wise idea to invest in agricultural insurance – after all, your agricultural buildings, equipment, crop or livestock and farm vehicles are more than just business assets… they’re your livelihood.

What is agriculture insurance?

Agricultural insurance is a type of insurance policy that is specifically tailored to the unique set of risks faced by working farms and other agriculture businesses.

For instance, the best agricultural insurance policies can cover everything from your farm buildings to your agricultural vehicles, and from your herds of livestock to your fields of crops.

Is agriculture insurance a legal requirement?

Insurance for your agricultural vehicles will be a legal requirement if you ever intend to use those vehicles beyond your own land – so tractors, flatbed trucks and vans will need insurance if you need to drive them from one field to another, or from one of your fields to your farm buildings.

If those farm buildings are mortgaged then you’ll probably have a contractual obligation to insure the buildings as well, even though that isn’t required by law.

How much is agriculture insurance?

The short answer is “it depends”.

Since agricultural insurance policies are specifically tailored to the unique set of risks your own agriculture business faces, the premium will vary in line with those risks.

For instance, livestock farmers will need to include livestock cover, whereas other agricultural businesses might not need this policy feature.

What determines the cost of my agriculture insurance?

In addition to the specific policy features and coverage options your agricultural insurance policy includes, farm insurance specialists will also take a range of other risk factors into account when calculating your premium, including the location of your agricultural business, the types of buildings, vehicle and equipment you’re insuring, whether you’ve claimed on this type of insurance policy in the past, and how much that claim paid out.