No call centres

You deal with the person who sat at your kitchen table the week before

No call centres

You will deal with the person who sat at your kitchen table the week before

No call centres

You deal with the person who sat at your kitchen table the week before

Combined Farm Insurance Policies

Our Combined Farm policies are tailor made to meet your requirements. They provide a wide range of optional sections and allow you to choose the right cover for your needs. Policies are underwritten by UK insurers whom we believe provide excellent service and value for money.

For a free ‘no obligation’ quotation please complete our enquiry form or alternatively email us and a member of our team will respond directly.

The most widely requested covers are listed below, other covers are available on request:

  • Farm Buildings
    Cover can be on reinstatement or modern materials basis. In addition to standard perils cover can usually be extended to include storm, tempest and flood for an additional premium.  Whether the buildings are your main residence, tied cottages or holiday lets, generally all can be covered on one policy.
  • Farm Contents
    Comprehensive cover for your farm contents including produce, deadstock, machinery and tools.
  • Private House Contents
    A comprehensive contents policy providing excellent cover for your household contents. Additional cover for holiday homes and caravans etc is available on request.
  • All Risks Cover
    This section allows you to provide cover for items away from home. This section can cover guns, pedal cycles and sports equipment. In addition you can add high value single items such as jewellery, your camera etc
  • Livestock
    Choose from a range of covers including transit, straying, and disease risks. (For specialist pedigree livestock cover – see our in-Livestock insurance product cover)
  • Theft
    The farm contents section can be extended to cover theft of produce and machinery and theft of livestock including mysterious disappearance.
  • Employer’s Liability
    Employers liability is a statutory requirement; this section extends cover to all classes of employee and can be extended to include liability under the Agricultural Wages Board Act.
  • Public Liability
    Up to Ten Million pounds indemnity and can be extended to cover most types of diversification.
  • Business Interruption
    The basis of cover can be loss of income and increased cost of working or increased cost of working only. Benefit periods of up to 36 months are available.
  • Goods in Transit and Machinery
    Available cover for produce in transit. This section excludes livestock, which should be covered as a separate item.
  • Money
    This section automatically includes Personal Accident Assault cover, damage to clothing and personal effects.
  • Personal Accident Cover
    This cover provides up to £500 benefit a week if left unable to work plus various other benefits such as loss of limb etc.
  • Motor Insurance
    This will cover your farm, commercial and private vehicles on the same policy ensuring less paperwork and one single renewal date.

Our promise to you

By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:

  1. A dedicated point of contact (with an average over 12 years of experience) to manage your insurances
  2. A named point of contact in the office to handle your day-to-day enquiries
  3. The team handling your insurances will be experienced, friendly, helpful and knowledgeable
  4. You have access to the insurance market and our relationships with major insurers and underwriters will ensure the ‘right’ insurances for you
  5. We will review your insurances annually to ensure that they continue to meet your requirements
  6. You will enjoy the benefit of working with a customer focused team who will listen to you, and work with you to provide bespoke solutions for your insurance needs
  7. You have the security of dealing with a company authorised and regulated by the Financial Conduct Authority.
To discuss your combined farm insurance requirements. Call 01228 406 290

FAQs

At H&H Insurance Brokers we insure private cars if they are used in conjunction with your farm / commercial business or if owned by a partner of the farm or business.   We may offer a policy on privately owned vehicles for ‘Accident Free and Mature Drivers’ – please call the office with your details and for further information.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over over a nominated period to suit you.
Close Brothers Premium Finance will make a charge for arranging instalment facilities so you can pay by Direct Debit. The amount of the charge will depend on total premiums and chosen payment period but we will confirm this to you when arranging your insurance.
To claim you can either contact our head office on 01228 406290 or visit our claims section on this website which contains some helpful information.
We act as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. We use our in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Unlike tied agents, we are independent and offer products from more than one insurer, to ensure that you get the best deal.  Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
At H&H Insurance Brokers we are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in depth to ensure you have sufficient cover at the best cost.
Yes you can. H&H Insurance Brokers will insure any privately bought cattle subject to a valid veterinary’s certificate.
No, H&H Insurance Brokers are not authorised to offer advice on these products. However we can put you in touch with the H&H Group preferred independent financial advisor based in Carlisle.
More questions? Speak to a specialist 01228 406 290

Contact us

Get in touch us to discuss your needs with one of our specialist brokers.

01228 406 290

Why choose H&H?

  • Real experts who understand farming
  • To save you time and better understand your needs, we’ll come to you
  • We get you the right cover at a competitive price
  • Provide both standard and niche insurance covers
  • For more details click here

Independent Farm & Estate Insurance reviews from FeeFo

Discuss your insurance needs with an expert 01228 406 290

News & views from H&H Insurance Brokers

Finalist for Category Best Customer Service Excellence

15th August 2017

H&H Insurance Brokers now trading for 30 years across Cumbria, remain truly independent and offer a personal service (no call centres) and bespoke insurance cover at a competitive price – whatever the business size. 

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Reducing the Risks to your Business with Farm Insurance

21st July 2017

A farmer’s focus is on the efficient production of crop products and livestock, however, with so many variables involved – animal behaviour, machinery, the human factor, and of course, the weather – it is perhaps not surprising that the Health and Safety Executive (HSE) considers farming a high risk area.  

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