We are happy to adapt the policy to suit your client’s needs, so if, for example, the Buildings sum insured needs to be increased, a higher level of Public Liability cover is required, or the smallholding is a little bigger than 50 acres, then just let us know and we will tell you if we can provide what is required and if so at what premium.

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PLEASE NOTE:

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This policy is not suitable if your customer:

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• Operates a Riding School and/or hires out horses

• Offers a Livery Service (although DIY self-livery is acceptable)

• Requires liability cover for the use of horses or other equine animals away from the smallholding

• Carries out contracting for others.

• Offers camping or caravanning facilities

• Has any heated pig/poultry buildings

• Accepts organised farm visits (i.e. school groups, clubs etc) or host group events

• Has employees, including casual and voluntary staff

• Exports any products

• Arranges or hosts organised shoots

• Has slurry storage facilities

• Requires Terrorism Insurance

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This list is not exhaustive. There may be other activities that are not acceptable. Some of these activities can be covered under our Farm Combined insurance policy.

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This policy does not cover ride-on mowers, motorised farm bikes, quad bikes, all-terrain vehicles (ATVs), tractors and other agricultural vehicles. Such vehicles can be insured under our Farm Motor insurance policy. Theft cover for trailers and other wheeled implements designed to be towed is subject to such items being secured by a wheel clamp and hitch lock when left unattended.