Insurance Policies catered to your changing business needs
Open to the Public
Glamping, Cafe, Shops & Wedding Venues
Food & Drink
Bakeries, Breweries, Farmers Markets & Deliveries
Renewable Energy Sources
Solar Panels and Wind Turbines
As more farmers across the UK and globally embrace farm diversification, the traditional risks of farming are evolving. Whether you’re opening a farm shop, offering glamping stays, or investing in renewable energy, diversified farms face unique risks that standard farm insurance doesn’t always cover.
That’s where using a Specialist Agricultural Insurance Broker like Hornby Snape comes in, they will be able to build a tailored insurance policy that is catered to your business’ diversification.
Why Standard Farm Insurance Sometimes Isn’t Enough?
Traditional farm insurance covers risks like crop failure, livestock illness, or machinery breakdown. But it often excludes coverage for diversified activities, especially when the public is involved or new infrastructure is added.
Without the right insurance, a single incident — like a customer injury, fire in your farm shop, or equipment failure in a processing unit — could potentially lead to major financial loss or even legal claims.
What Type of Farm Diversification Can They Arrange Insurance For?
- Agritourism: Glamping, wedding venues, farm cafés, pick-your-own produce
- Food Processing: On-site dairies, meat processing, bakeries, cideries
- Retail & Direct Sales: Farm shops, farmers markets, subscription boxes
- Renewable Energy: Solar panels, wind turbines, biogas production
- New Crops or Livestock: Niche vegetables, exotic animals, specialty herbs
While these ventures create new revenue streams, they also bring new responsibilities — and new risks. That’s why it’s important to work with an insurance broker who understands the risks and has a panel of insurers who cover a wide range of diversifications.
What Areas of Cover May a Farm Diversification Insurance Policy Cover?
Public Liability Insurance – Essential for any farm open to the public. It covers towards legal costs and compensation if a visitor is injured or their property is damaged.
Product Liability Insurance – If you sell food, drinks, or handmade products, this provides cover towards claims of illness, contamination, or product defects.
Property and Equipment Insurance – Help towards protecting buildings, tools, and equipment used in new business activities, including retail outlets and processing units.
Business Interruption Insurance – Cover towards lost income if your operations are interrupted due to fire, flooding, or unexpected closures.
Employer’s Liability Insurance – Legally required if you hire staff for your diversified operations — including seasonal worker, hospitality staff, volunteers and anyone who may be completing work experience.
Specialist Cover for Renewable Energy Projects – Includes solar PV systems, wind turbines, or anaerobic digesters, cover towards equipment failure, income loss, and liability.
Tailored Insurance for Every Diversification Path
Every farm is different — and so is every diversification journey. Whether you’re running a rustic wedding venue or launching a farm-based delivery service, we offer bespoke insurance packages designed around your specific needs.
Don’t leave your new venture unprotected, get in touch with our farm diversification insurance specialists today. Call us on 01625 860444 or complete our enquiry form and we’ll be in touch to conduct a free no-obligation review.
