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Farm insurance, helping protect your farm and equipment

Looking for farm insurance, Our combined insurance broker services can create a bespoke single policy designed to simplify your insurance needs, however complex. From small farms to very large estates, it can be used to protect buildings, machinery, personal accident, livestock, liability, business interruption, house and contents.

Looking for farm insurance, you have come to the right place.

Our combined insurance services can create a bespoke single policy designed to simplify your insurance needs, however complex. From small farms to very large estates, it can be used to protect buildings, machinery, personal accident, livestock, liability, business interruption, house and contents.

Insurance cover for Farm Buildings, whether large or small, can be imperative should the worst happen and your property be damaged or lost due to perils such as fire, storm or flood. Insurance provides you with financial assistance after a disaster to repair or replace buildings, and in some cases to remove old debris such as asbestos which could have made repair financially unviable.

Farm Contents and Produce and Deadstock cover will provide insurance for items such as tools, machinery, plant and stock, which is important if you are a victim of issues such as theft or fire. 
Business interruption cover is available to farms who wish to insure against loss of their farm businesses revenue. For example should a dairy unit be damaged and replacement of livestock and facilities take time then the farmers revenue losses would be paid by insurance as well as increased costs they may incur such as hiring in temporary milking equipment. 
Livestock cover is available to cover livestock losses due to perils such as fire, theft and fatal injury.

Liability cover is provided in all Farm policies, this offers protection for farmers against claims from third parties for a wide range of issues. This includes Public Liability claims if livestock escape from fields and cause loss or damage to a person or their property. Products liability should the farmer sell produce that proves to be defective. As well as Environmental Impairment Liability which is a more recent cover required by all farmers to  provide cover for the costs of cleaning up pollution conditions if required by a third party, including most notably a governmental agency. It can also cover bodily injury and property damage of third parties that are caused by the pollution condition. These claims are infrequent but in the rare instances they occur they are incredibly costly, so this cover protects farms from the potentially business ending costs. 
Other sections of cover available within most farm policies include cover for goods in transit, business money, personal accident, legal expenses.

There is also the option to include cover for household buildings, contents, and personal possessions either on the farm or those owned by the fam business. This cover also provides liability protection for personal activities and items such as domestic pets eg dogs, cats and horses.
Get in touch with our farming insurance experts

Our farming insurance products are specifically designed for agricultural businesses who want to protect their farmhouse, buildings, machinery, livestock and land.

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Kally shane head of operation at H&H Insurance Brokers in a field Kally Shane, Head of Operations
Delivering outstanding service to our customers

Feefo’s Platinum Trusted Service Award in recognition of outstanding customer service excellence.

Excellent customer service is in our nature; it is who we are and what we stand for. We are very proud of our team and the services they offer. Take a peek at some of our customer feedback.

Bespoke farm insurance, what does it mean to me?

Our policies are tailored to help meet your unique insurance needs, coupled with access to an in-house claims team and a personal, first class service means H&H Insurance Brokers are the right partner for you.

Understanding the difficulties farmers and agricultural businesses face

The H&H Group has a long standing reputation within the agricultural community. Our staff are constantly working in the farming community, so are experienced in understanding the changing needs, risks and issues faced by farming businesses. As a company we have a breadth of professionals in varying sectors of agriculture so our staff are kept up to date with regular training across the group of companies.

Ensuring the coverage you need

At H&H Insurance we strive to deliver a service tailored to your business. Our Account Executives take the time to review your needs, and understand the risks faced by your business. they will then recommend a policy based of scope of cover, level of service and all important premium.

Guidance on the right insurance to take

Our experienced staff are familiar with a wide range of farm insurance products available in the market, therefore best placed to recommend the most suitable policy to meet your needs.

We are a claims lead organisation

We will support you through the process of a claim under your farm insurance, this includes guidance on information required to support your claim, the implications of claiming in certain instances, and support with visits such as from loss adjusters.
Natalie Carr, Account Executive, West Cumbria
Stuart Torrance standing in the rain Stuart Torrance, Claims Manager
  • Excellent s helpful
    Judy - 08 Jun 2023
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  • When my vehicle insurance renewal was due I was given the option of a less cost renewal
    William - 04 Jun 2023
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  • helpful and keep me updated.
    I have never had a problem with H&H . The information they supply is very appropriate to my needs.
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  • Experienced Friendly Team - Highly Recommend
    First Class Service - great to get help from such and experienced team.
    Janice - 11 May 2023
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  • Great to work with
    Just great to work with. Good, old-fshioned service!
    Simon - 10 May 2023
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  • Brokers efficient but their contractors awful
    Very pleased with the brokers, they were efficient however not pleased with the contractors and subcontractors that they recommended for the job - very poor service from them, no communication, 21 days to return a phone call, job that should have taken 2 weeks took 3 months to complete.
    Oliver - 08 May 2023
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  • Good........
    Cyril - 03 May 2023
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  • Excellent service from HH
    Adrian - 05 Apr 2023
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  • Always a helpful knowledgeable person at the end of the phone.
    Wet informative, good to deal with and try their best in every situation.
    Henry - 04 Apr 2023
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  • service is good but i don't know-how my local rep is now.
    There seems to be less human contact now with everything being done by email. Even a phone call would be better than no face to face.
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  • Excellent.
    Carl - 14 Mar 2023
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  • Great service again, very happy with everything, your knowledge helped with my decisions
    Nicholas - 08 Mar 2023
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  • The woman who served us looked at us like we weren't meant to be there, despite the office being open in between Christmas and New Year, plus we had paid our insurance premium payment. There was no courtesy nor a smile! We have been NFU customers for a long time, and found the experience very disappointing!
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  • Helped me to manage my finances by providing me with a monthly payment option
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  • A good company
    A well priced insurance service, good value for money
    William - 18 Jul 2023
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  • Friendly and helpful sales team that sealed the deal for me
    Friendly professional service
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  • No problems
    No problems
    Stephen - 08 Jul 2023
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  • Very professional company with a broad base of insurance service.
    Broad range of products Competitive price Gives me peace of mind knowing my business are comprehensively covered with the best possible insurance cover at a very competitive price. Well done to Haf and the team at Ruthin
    John - 05 Jul 2023
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  • It was refreshing to discuss my requirements with such helpful knowledgeable people. It was quite easy to decide to go with H&H.
    Philip - 05 Jul 2023
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Farm insurance FAQ’s
1. What is farm insurance cover?

An insurance solution for a farming business which protects a range of items and liabilities owned and faced by the business.

2. How do I check I have the correct farm insurance in place?

Your insurance broker can offer a review of your existing policies to check that the cover you have meets your needs. 

3. How much does farm Insurance cost?

Costs vary in relation to the cover clients require, as well as the value of the assets and the claims history. 

4. What does an insurance broker do?

Insurance brokers are experienced in assessing a client's requirements and matching them to the most suitable insurer, considering level of cover required and price.