Expert and personal service providing

the right cover for your needs

Specialist smallholder insurance

giving you 'peace of mind'

Smallholders Combined Insurance

All agricultural businesses, whether small or large, will have diverse insurance requirements so it is important that your farm or smallholding and any associated activities, are fully protected.   Our combined smallholders’ package offers various options ensuring it is fully tailored to your requirements.

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

Typically our Armitage in-Livestock Smallholders’ insurance policy will cover:

  • Mortality
    Death from accident, sickness and disease on individual animals
  • Theft
  • Vet Fees
    Choose from either Life Saving Surgical fees or All Reasonable and Normal Veterinary Treatment for specified animals
  • Products Liability
    Provides cover for your legal liability to third parties in connection with your product, following injury and/or damage by goods supplied, sold, repaired, tested or maintained by you
  • Personal Accident
    Provides cover if at any time you or an insured person named in the schedule are involved in an Accident occurring on the Premises, which shall solely and independently of any other cause, cause Bodily Injury which results in either Your death, Loss Of Limb, Loss Of Sight or Permanent Total Disablement
  • Material Damage
    Cover for damage to your property based on the following Specifications:

    • Farm Buildings at the premises. Private Dwellings are excluded
    • Farm Equipment at the premises for use in the course of your business
    • Contents – Produce and Deadstock whilst in or on the Premises in the course of your business
  • Public Liability – Available limit of Indemnity £1m, £2m or £5m
    This type of insurance would indemnify the assured against their legal liability to pay damages (including claimants’ costs, fees and expenses) in the event of injury/sickness to a member of the public or damage to their property whilst on your property or away at shows and sales. This would include any injury/sickness or damage caused by your animals
  • Employer’s Liability – Available limit of Indemnity £10m
    This type of insurance would indemnify the assured against their legal liability to pay damages (including claimants’ costs, fees and expenses) in respect of injury to any Person Employed arising out of and in the course of employment by the assured.


Alternatively email us and a member of our friendly and specialist team will respond directly.


At Armitage in-Livestock (a trading name of 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.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over a nominated period to suit you.
There is a standard charge when paying by direct debit but this depends on total premiums and chosen payment period.
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.
An insurance broker acts as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. Brokers use their in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Insurance brokers, unlike tied agents, are independent and offer products from more than one insurer, to ensure that their clients 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.
More questions? Speak to a specialist 01932 856486

Contact us

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

01932 856486

Why choose H&H?

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Discuss your insurance needs with an expert 01228 406 290