Farm Shops Insurance
Protect your farm shop from customer claims, food safety incidents and property damage with cover designed for agricultural retail.
Get in touchWhat is farm shops insurance?
Farm Shops insurance is a specialist policy that protects farm shops from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a farm shop business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your farm shop business faces.
Public Liability
Covers claims from customers for injury or property damage at your farm shop.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your shop premises, refrigeration, display equipment and stock.
Products Liability
Covers claims from food and agricultural products you sell.
Who needs farm shops insurance?
Traditional farm shops
Selling locally produced food and farm products
Farm shop cafes
Combining a farm shop with an on-site cafe
Pick-your-own operations
Allowing customers to harvest produce on your land
Farm shop delis
Offering a delicatessen counter alongside farm products
WHY CECIL
Built differently.
Agricultural retail risks covered
Farm shops combine retail, food service and sometimes visitor attractions. Cecil finds insurers who cover this unique mix of activities.
Visitor liability for farmland
If customers access your farmland, public liability covers injuries from uneven ground, farm machinery and animals. Cecil ensures this is covered.
Stock and produce protected
Your fresh produce, chilled stock and dry goods represent significant value. Cecil includes stock cover for spoilage and theft.
Competitive quotes for farm shops
Get options from specialist insurers to find farm shop insurance from agricultural and retail specialists. Cover that understands the seasonal nature of farming retail.
Common questions about farm shops insurance
Do farm shops need public liability insurance?
Yes, public liability is essential for farm shops. Customers visiting your premises and farmland face risks including slips, trips and exposure to farm hazards.
Does farm shop insurance cover pick-your-own activities?
Yes, but make sure your insurer knows you offer pick-your-own. This involves customers accessing farm land, which carries specific risks.
Do farm shops need food safety insurance?
Products liability covers claims from food products you sell. If a customer becomes ill from produce you sold, the policy covers the claim.
What level of public liability do farm shops need?
Most farm shops carry between £2m and £5m. If you offer visitor activities, higher limits may be appropriate.
Does farm shop insurance cover seasonal events?
If you host seasonal events like pumpkin picking or Christmas markets, make sure your insurer knows. Cecil ensures these activities are covered.
Interested in Farm Shops insurance?
We will be in contact when Cecil launches.