Compare cheap agricultural insurance

Compare agricultural insurance policies from specialist providers

This is cover for a farming business, from agricultural buildings and machinery to livestock, crops and liability. Complete one short form on Quotezone and specialist agricultural providers on our panel can reply with prices.

If you own an agricultural business it would be a wise idea to invest in agricultural insurance – after all, your agricultural buildings, equipment, crop or livestock and farm vehicles are more than just business assets… they’re your livelihood.

What is agriculture insurance?

Agricultural insurance is a type of insurance policy that is specifically tailored to the unique set of risks faced by working farms and other agriculture businesses.

For instance, a specialist agricultural insurance policy can cover a wide range of risks, from from your farm buildings to your agricultural vehicles, and from your herds of livestock to your fields of crops.

Is agricultural insurance a legal requirement?

Insurance for your agricultural vehicles will be a legal requirement if you ever intend to use those vehicles beyond your own land – so tractors, flatbed trucks and vans will need insurance if you need to drive them on public roads from one field to another, or from one of your fields to your farm buildings (GOV.UK).

If those farm buildings are mortgaged then you’ll probably have a contractual obligation to insure the buildings as well, even though that isn’t required by law.

How much is agriculture insurance?

The short answer is “it depends”.

Since agricultural insurance policies are specifically tailored to the unique set of risks your own agriculture business faces, the premium will vary in line with those risks.

For instance, livestock farmers will need to include livestock cover, whereas other agricultural businesses might not need this policy feature.

What determines the cost of my agricultural insurance?

In addition to the specific policy features and coverage options your agricultural insurance policy includes, farm insurance specialists will also take a range of other risk factors into account when calculating your premium, including the location of your agricultural business, the types of buildings, vehicle and equipment you’re insuring, whether you’ve claimed on this type of insurance policy in the past, and how much that claim paid out.

Crop insurance for UK farms

Crop insurance protects the value of a growing or harvested crop against insurable events, such as storm, hail, flood or fire. Policies differ, so check which events yours names.

Defra’s harvest statistics track the main cereal crops, wheat, barley and oats, alongside oilseed rape. It puts the final 2025 UK wheat harvest at 12 million tonnes (Defra).

Weather can change a harvest quickly. Defra reports that wet weather in September 2025 hindered the harvest of remaining crops, with considerable variability in yield between regions (Defra).

Not every loss can be insured. After Storm Henk in January 2024, Defra offered eligible farmers in England grants from the Farming Recovery Fund for uninsurable damage to their land (Defra).

Are hail and storm damage covered?

They are among the events crop policies commonly name, but check your wording. Hail can be costly for fruit growers, as one storm can damage a whole season’s crop.

What about damage from trespassers?

Some policies also cover crops damaged by trespassers, such as people camping or driving across a field. If the damage is minor, the claim may not be worth more than your excess.

Not everyone crossing a field is trespassing. In England, a cross-field footpath you cultivate must not be obstructed by crops, and must be restored within 14 days of first cultivation (GOV.UK).

What affects the cost of crop cover?

Insurers usually look at:

• where your farm is, including its flood risk
• how much land you crop
• which crops you grow
• the expected market value of the crop
• the events you want covered, and your excess
• any claims you’ve made before

A farm policy from a specialist can include crop cover alongside buildings, machinery and livestock. You can compare farm policies on Quotezone using the short form at the top of this page.

Agricultural buildings insurance

Barns, grain stores, livestock sheds and workshops can be insured on an agricultural policy, along with what is kept inside them. Ask whether each building should be insured for its rebuild cost, which can differ from its market value.

Tell the insurer about any building used for something other than farming, such as a farm shop or a holiday let. A workshop you rent out counts too, as that can change the cover you need.

Cover for agricultural contractors and consultants

If you work on other people’s farms, your cover needs are different. Contractors may need machinery cover and public liability insurance for the work they do. Consultants may need professional indemnity insurance for the guidance they give. You can also compare business insurance for other parts of the business.

You might also need

Agricultural vehicle insurance covers tractors and other machinery, and commercial property insurance can cover buildings you let to other businesses.