Agricultural contractors insurance
Join over 900,000 UK customers with cover from £3.19 per month*
Get tailored quotes in 7 minutes
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Compare tailored business insurance from trusted brands
Compare quotes from leading brands
Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is agricultural contractors insurance important?
Livestock services or crop production – whatever your expertise, clients are putting their trust in you. From equipment risks to your own injuries, agricultural contractors’ insurance is a key support for UK professionals, starting with public liability insurance for third party injuries and property damage. From there, you can add employers’ liability insurance for anyone you’ve hired, plus stock and personal accident cover.
Need cover for crop spraying? Just let us know when telling us your specific trade/profession at the start of your quote.
- agricultural equipment insurance, protecting your hand and power tools
- rated 4.7/5 based on 39K+ public liability customer reviews
- optional personal accident cover for your own accidents and injuries
What does agricultural contractor insurance cover?
You know your trade best, and we’re here to help you build a bespoke policy, focusing on the specific cover you need. Public liability insurance (PL) is often a priority for our agricultural contract customers, and employers’ liability insurance is usually a legal requirement, if you’ve hired anybody. From there, you can add cover for your handheld or power tools and equipment, plus your own personal accident protection.
Public liability insurance
In case contracting business causes an injury, illness, or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
Business and office equipment insurance
In case something happens to equipment like your phone or computer.
Tools insurance
In case your hand or power tools are lost, stolen, or damaged.
Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
Legal expenses insurance
In case you have to pay legal costs connected with your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Public liability insurance
In case contracting business causes an injury, illness, or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- you leave a piece of machinery out in a field and your client’s employee trips over it, breaking their knee
- a product you’ve used on the sheep in your care causes an allergic reaction, and you’re sued for damages
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your apprentice falls from a height while working with you, breaking both legs
- one of your casual workers is struck by a tractor while working for you, and needs an operation
Business and office equipment insurance
In case something happens to equipment like your phone or computer.
What’s typically covered by business and office equipment insurance?
- accidental damage to your fixtures and fittings, or the equipment you use to run your business
- theft, flood, and fire damage
For example:
- your employee drops your laptop from a height, damaging it beyond repair
- a flood in your small home office damages the desktop computer you use for work
Read more about business and office equipment insurance
Tools insurance
In case your hand or power tools are lost, stolen, or damaged.
What’s typically covered by builders tools insurance?
- loss, damage, or theft of your hand tools, power tools, and certain specialist agricultural equipment
For example:
- you buy new tools for a large summer contract and these are damaged in a flood over the new year holiday
- the crop-spraying tools you keep in stock are stolen from the locked business unit
Read more about tools insurance
Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
What’s typically covered by stock insurance?
- loss, damage, or theft of the products and materials you keep in stock, like fencing supplies
For example:
- a flood in your premises destroys the fencing materials you’re keeping in stock for a client
- you need to replace a new order of calving supplies, after a fire causes damage to your store room
Read more about stock insurance
Legal expenses insurance
In case you have to pay legal costs connected with your business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation
For example:
- a client claims that you’ve exposed their confidential information, and you need to pay for legal representation
- your health and safety practices come under investigation, incurring legal fees
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
- accidental injury or death at or outside of work, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- a horse kicks you and you suffer a serious lower back injury, taking you away from the business
- your employee traps their fingers in a van door while driving home, and can’t operate machinery for a couple of months
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does agricultural contractors insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example agricultural contractor insurance quotes, real prices
£13.01 /month
£110.08 /year
Self-employed agricultural contractor excluding crop spraying
- 1-2 years' experience
- Sole trader
- No employees
- Based in Manchester
Public liability
£1,000,000
Employers' liability
Not included
Tools
Not included
£107.95 /month
£959.52 /year
Agricultural contractor limited company with three employees
- 5+ years' experience
- Limited company
- 3 employees
- Based in Leeds
Public liability
£5,000,000
Employers' liability
£10,000,000
Tools
£5,000
How we work out example quotes These examples are real quotes from our online system (created 13/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
Simply Business
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Example claim
Having agricultural contractors’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
David saved more than £3,200
David (not his real name) locked his vehicle in the works compound for the night, before heading home. Overnight, someone cut the gate padlocks and stole the entire stock of tools from the back of his van, including three brand new items. The optional tools cover added to his agricultural contractor insurance policy helped cover David’s replacement costs.
Insurance payout
£3,209.48
Covering the cost of theft
David’s costs
£100
The excess amount stated in David’s policy terms
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 39,717 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Agricultural contractor insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about agricultural contractor insurance. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Helpful articles for agricultural contractors
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletterInsurance
Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceCommercial van insuranceInsurersAbout
About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite mapAddress
6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2023 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.