Agricultural contractor insurance

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10% of customers pay the equivalent of £4.74 a month*

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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 4.8/5 based on 39.9K 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 £4.74 per month

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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example agricultural contractor insurance quotes, real prices

£14.31 /month

£143.11 /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

£180.98 /month

£1,809.81 /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 18/03/2025). 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

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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

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Find answers to common insurance questions

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.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

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 nearly one million small business and landlord customers

We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

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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.

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 coverLowest excessHighest excess
Public liability£100£2500
Employers’ liabilityNo excessNo excess
Tools£60£500
Business and office equipment£50£750
Professional indemnityNo excess£2500
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.

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