Agricultural contractors' insurance

Expert cover for agricultural contractors

As an agricultural contractor, you’re doing work that can be risky. From crop planting to harvesting, you need an insurance policy that can support you if something goes wrong.

Public liability insurance is central to an agricultural contractor insurance policy, as it can cover you if you’re sued for injury or damage.

Your insurance policy can also cover your tools and your business equipment, and you can add other insurance like legal expenses cover and buildings insurance too.

What insurance do agricultural contractors need?

You should choose your cover based on your individual business needs, but these are some of the insurance types worth considering:

• Public liability insurance is often a very important cover for agricultural contractors, as it protects you against compensation claims made by a member of the public for injury or damage to their property. For example you leave your tools out on land you’ve been working on and someone trips over them and is injured, or you cause damage to a pipe while you’re digging a field. If you’re sued, your public liability insurance could cover the legal fees and compensation costs.
• Tools insurance is also popular with agricultural contractors, as it can pay to repair or replace your tools if they’re lost, damaged or stolen. Try to accurately estimate the cost of replacing your tools so that you’re fully covered if you need to make a claim.
• Employers’ liability insurance is a legal requirement for most businesses that employ staff. It can cover claims made by an employee or ex-employee for injury or illness caused by their work. For example if one of your employees caught their hand in machinery, they could sue you for the injury they’ve suffered and your employers’ liability insurance could pay the claim.
• Personal accident insurance is particularly important for any professions where you're in danger of injuring yourself, so it's worth considering as an agricultural contractor. It covers serious injury, or even death and will pay out for the likes of lost income and medical costs.

Other covers you can choose to add to your agricultural contractors’ insurance policy include business buildings insurance, business contents insurance and business legal protection insurance.

The average insurance claim for agricultural contractors is £3,439 – could you afford this if the worst happened? (Average claim being £3,439. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Why Simply Business?

• We're one of the UK's biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 Feefo ratings say we’re good (or excellent)
• 750,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.