Farm Insurance
Working together with farmers and agricultural business owners, we provide tailored farm insurance to protect your people, property, and livelihood.
Insurance for farmers
Farming businesses need protection that reflects their adaptability and resilience. At McClarrons, we take the time to understand your farm’s unique risks and requirements, providing tailored advice, support, and arranging comprehensive farm insurance.
From livestock and dairy to poultry, arable, or diversified enterprises, our experienced farm insurance specialists will work alongside you to safeguard your livelihood.
As independent farm insurance brokers with over 35 years of expertise, we compare policies from trusted farm insurance companies to deliver advice and solutions suited to your needs.
Managing a small farm or undertaking small-scale traditional farming on up to 50 acres? Take a look at our Smallholders Insurance page.
Insurance farmers need to consider
Farm Buildings insurance
Farm buildings and content insurance cover can protect your farmhouse, outbuildings and various other farm buildings on your property, as well as the contents within them, against a wide range of risks, including fire, theft, storm damage, and accidental losses. Our expert team will liaise with you to ensure your policy stays up to date, providing you with the peace of mind that your property and possessions are protected.Contact Us
Business Interruption insurance
In the event of a material damage claim that renders your farm temporarily unfit for operation, business interruption insurance can provide a crucial lifeline. It is designed to cover the loss of income your farm would have generated during the specified time frame, helping you meet ongoing expenses, and pay your employees. It is a core part of the insurance farmers can rely on to ensure that a disruption doesn’t threaten long-term business viability.Contact Us
Employers Liability insurance
Employers’ Liability Insurance is a legal requirement for anyone employing individuals; this can include casual or seasonal workers, family members, and self-employed contractors. It can provide financial protection by covering the damages, compensation costs and legal fees that may come as a result of a work-related injury or illness suffered by an employee while working for your business.Contact Us
Public Liability insurance
Public Liability insurance helps protect you if a member of the public suffers injury or property damage while on your farm or during one of your farm-related activities. Public Liability insurance also provides financial protection by covering the damages, compensation and legal fees that may come as a result of an event, such as a person’s property or self being injured by your livestock or machinery.Contact Us
Environmental Impairment Liability insurance
This cover helps to protect farmers should they or their business suffer an insured event that causes damage to natural surroundings on their own or other land. Policies can go beyond covering clean-up efforts, ensuring that you have the support to cover emergency containment and legal technical defence costs, as well as the costs to reinstate natural habitats.Contact Us
Livestock insurance
Livestock insurance provides protection for herds or individual high-value animals against illness, accidents, theft, mortality, or loss of use. All-risk Mortality and Loss of Use cover can be included to help offer reassurance that your farm won’t face financial strain from perils such as accidents and illness. Our guide on Maintaining Livestock Sum Insured outlines how to review valuations and the factors to consider.Contact Us
Ready to protect your farming operations?
other farm insurances
Other insurance farmers should consider
Agricultural Motor Vehicle insurance
Farmers rely heavily on high-value machinery, from tractors and telehandlers to combine harvesters and trailers. As a core part of farmers’ assets, it is so important that they are correctly insured, to keep operations running smoothly and to help cover repairs and losses. From single tractors to agricultural fleets, we can arrange policies to cover a wide range of farm vehicles and trailed implements to help ensure your machinery remains protected so operations can run smoothly.
Find out more about Agricultural Vehicle Insurance.
Management Liability insurance
Rural Protect is a bespoke Management Liability Insurance solution specifically designed for sole traders, partnerships, and limited businesses within the agricultural sector.
How can Rural Protect benefit your farming business?
The Rural Protect policy was built to support farmers and help ensure that your entire organisation is equipped to deal with a wide range of potential claims and disputes, including employment or contract disputes, regulatory investigations and more.
This Management Liability solution provides cover for Personal Liability, Employment Practices Liability, Company Legal Liability, and additionally includes pursuit cover as well as inclusive 24-hour access to law firm, rradar, who provide information and guidance on legal and regulatory issues, from HR and contracts to fraud.
Engineering Inspections
Certain machinery must undergo statutory checks, such as LOLER and PUWER inspections. Through our network of providers, we can help arrange engineering inspections to keep your equipment compliant and safe. Proactive engineering inspections can save lives, prevent costly downtime, and help you stay compliant in line with regulatory standards, protecting both your workforce and your investment in agricultural assets.
Check out our blog on The Importance of Engineering Inspections for Rural Businesses, or visit our partners All-Engineering Inspection Services (AEIS) to learn more about how they can help protect your farm.
Loss Recovery insurance
Handling claims can be stressful and time-consuming, particularly when it comes to accurately assessing your losses. Loss recovery insurance provides an independent loss adjuster to manage this process on your behalf. They will work alongside our in-house Claims Team to help you in the preparation of your claim documentation, advise on remedial action, liaise with insurers, and negotiate a fair settlement. For farmers, this service supports ensuring that claims are resolved quickly, allowing you to focus on your livelihood while experts help to protect your best interests.
Cyber insurance
Cyber cover is becoming more and more important, helping to protect businesses against cybersecurity threats, which affect not only the business but the farm family. 50% of UK businesses reported experiencing some form of cybersecurity breach or attack between 2023/24*. This could mean computer systems being compromised or a ransom being demanded to release essential files that determine the mapping of crop farmland, for example.
Cyber insurance cover can protect you from financial damage should you be exposed to an attack, as well as providing response services with specialised teams to get you back on track.
Helping farmers manage business diversification
In today’s rapidly changing agricultural landscape, for many, farm diversification has become a crucial strategy for sustainable growth. Beyond traditional practices, new avenues such as agritourism and renewable energy are being explored. While diversification offers exciting prospects, it also introduces new risks that need to be addressed.
Diversification ventures bring new challenges that standard farm insurance may not fully address. Whether you are hosting events, offering recreational activities, or operating a farm shop, ensure you have specialist insurance to protect you from potential liabilities, property damage and unexpected incidents that could disrupt your diversification efforts.
Our team of dedicated farm insurance specialists work alongside you to understand the opportunities and challenges diversification brings. We will then compare policies and look to secure tailored solutions from trusted farm insurance companies to help provide protection that reflects your farm’s changing activities. Alongside our expertise as agricultural insurance brokers, you can also benefit from the support of our specialist commercial insurance team, who provide additional insight for diversification projects involving retail, hospitality, or public access. Whether you need farm buildings insurance for new structures or liability cover for public-facing ventures, please contact a member of our team.
With a specialist insurance broker, like McClarrons, you can embrace diversification with peace of mind, knowing that you are safeguarded against the unique risks that come with it.
Renewable energy
More farmers are turning to renewable energy as part of their diversification strategy, from anaerobic digestion systems to solar panels and biomass boilers. These assets can deliver long-term sustainability and additional income, but they also bring specialist risks that standard farm insurance may not fully cover.
At McClarrons, our experienced farm insurance specialists help arrange insurance solutions designed to protect your renewable energy investments. Working with a range of trusted insurers, we can tailor cover to help safeguard renewable infrastructure against risks such as damage, breakdown, and related financial losses. Our goal is to give you confidence that your renewable assets are appropriately insured, so you can focus on cultivating a greener, more sustainable future.
Farm Combined
Farming is complex and comes with many risks, from structural damage to equipment breakdowns, livestock loss, and liability claims. Farm Combined Insurance simplifies protection by managing multiple covers together under one policy.
Working with our experienced farm insurance specialists, you can build a combined solution that includes farm buildings insurance, agricultural machinery insurance, livestock protection, and liability cover (public, employer, environmental). Optional extensions can also be added to suit your operation – such as business interruption, diversification projects, hail damage, pollution events, or goods in transit cover.
By consolidating with a Farm Combined Insurance policy, you benefit from simplified management with protection tailored to your farm’s needs, often with the flexibility to add or remove cover as your business evolves. This approach offers potential cost efficiencies through combining cover and cohesive claims handling if a single event impacts multiple areas of your farm.
Mental Health Support for Farmers
At McClarrons, we understand that farming brings unique pressures alongside the day-to-day running of a business. From unpredictable weather and financial uncertainty to long working hours and isolation, these challenges can all take a toll on mental health.
That’s why we’re proud to support Mental Health Support for Farmers, a video series developed by Gallantium with guidance from clinical psychologists and members of the farming community. The series provides practical advice on recognising early warning signs, managing stress, anxiety and depression, and making small lifestyle changes to support wellbeing.
By supporting this initiative, we hope to break the stigma around mental health in rural communities and offer farmers accessible, relevant tools to look after themselves as well as their land and livestock.
Why work with McClarrons?
It is our experts who make McClarrons what it is, both now and when we began trading over 35 years ago. Over the years, we have built strong relationships with key agricultural insurance providers, allowing us access to a range of farm insurance policies that we can consider for you and your requirements.
In our team of agricultural insurance brokers, many are directly involved in the farming industry, meaning we have a deep understanding of the realities of running a farm and the measures needed to protect rural businesses. This knowledge allows us to provide you with accurate and specialist advice.
At McClarrons, we don’t stop at being the farm insurance company you rely on – we aim to support rural communities beyond insurance. We regularly create resources, guides, and news updates to help farmers and landowners manage risks effectively. From information on seasonal risk management (Summer Safety Brochure) to insights from the HSE Fatal Injury Report and navigating the New Inheritance Tax Changes, we aim to give you the knowledge and tools to strengthen your business.
Farm Insurance Claims Support
When it comes to farm insurance claims, having expert support can make a critical difference. Our dedicated in-house Claims Team is one of the most valuable parts of our service, offering hands-on support from first notification through to settlement. If the unexpected happens, we can manage the claims process on your behalf, liaising directly with insurers, loss adjusters and third parties to help achieve a fair and timely outcome.
With a strong understanding of the realities of farming and rural businesses, our team are well placed to present your claim clearly. We aim to minimise disruption, reduce stress and help protect your livelihood, allowing you to focus on keeping your farm running and returning to normal as quickly as possible.
A word from McClarrons' Head of Rural
What our clients say
Get a farm insurance quote
You can start your enquiry by filling in the contact form and one of the team will be in touch.
Alternatively, you can call the team on 01653 609152.
Farm Insurance FAQs
What is farm insurance?
Farm insurance is cover designed to help protect farmers, their property, people, and business activities. Depending on the policy, it may include insurance for farm buildings, machinery, vehicles, and livestock, as well as liability protection. As independent farm insurance brokers, McClarrons can arrange cover from a range of insurers to meet the needs of different farming businesses.
Why do I need farm insurance?
Farming involves high-value assets and a variety of risks, from severe weather events to livestock losses. Without suitable cover, unexpected incidents could place financial strain on your business. Working with a specialist farm insurance company ensures access to the right insurance farmers need to help protect against risks and maintain peace of mind.
What's the difference between Farm insurance & Smallholder insurance?
Farm insurance is typically designed for larger, commercial farming operations, whereas Smallholder Insurance is tailored for those with smaller acreages and operations. Our team of agricultural insurance brokers can help assess your circumstances and recommend appropriate options.
How do I obtain a farm insurance review?
You can request an insurance review by completing our enquiry form or contacting our team of farm insurance specialists. We’ll review your requirements and provide insurance options tailored to your business as well as highlighting any gaps you may have in cover through your existing policies.
How often should I review my farm insurance policy?
It’s recommended to review your farm insurance at least once a year. If there are changes to your operations, assets, or diversification projects you must discuss these with your insurance provider to ensure you remain covered. Regular reviews help ensure your sum insured and cover remain accurate and up to date.
What does agricultural vehicle insurance cover?
Agricultural vehicle insurance typically provides cover for tractors, harvesters, telehandlers, and other farm vehicles against risks such as damage, theft, or accidents. Policies can also be arranged to extend cover for use on public roads. Find out more on our Agricultural Vehicle Insurance page.
Where are your offices based?
Our head office is located in Malton, North Yorkshire, with a second office at Hesslewood Office Park, Hull. Whilst our offices are based in Yorkshire, as independent farm insurance brokers, we work with farmers and landowners across the UK.
Farm insurance not what you were looking for?
Smallholder Insurance
Smallholder Insurance
Smallholder Insurance is designed to safeguard your ambitions and investments. With cover that differentiates the needs of smallholders from larger farms, we can provide tailored cover options that address and cater for the unique challenges and rewards of running a smallholding.
Agricultural Vehicles Insurance
Agricultural Vehicles Insurance
Agricultural vehicles are essential in keeping your day-to-day operations running smoothly. The heavy reliance and high costs associated with specialised machinery such as combine harvesters, balers and tractors present financial risks to your business should something happen to them.
Estate Insurance
Estate Insurance
Unique in their surroundings, history and the role they play, the risks associated with estates and stately homes can be unlike any other. With ample contents and often elaborate builds, numerous properties and varying activities, protecting estates can be remarkably complex. We are pleased to be able to simplify cover for estate owners by placing risks under one comprehensive policy wherever possible.
Equestrian Business Insurance
Equestrian Business Insurance
The equine insurance team are quick to identify any risks in your business, both common and unique. Some of these may be small issues that you are already aware of, others may be more significant. Either way, you will have the peace of mind your venture is being protected properly.
Farm insurance news
- Category: Farming, Better Sorted Than Sorry
- Category: Farming, Better Sorted Than Sorry, Rural Insurance News
- Category: Farming, Better Sorted Than Sorry, Rural Insurance News
- Category: Rural Insurance News, Better Sorted Than Sorry
- Category: Farming, Better Sorted Than Sorry, Rural Insurance News
- Category: Rural Insurance News, Better Sorted Than Sorry