Agricultural contractors insurance
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Rated 4.8/5
Based on 39,800 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 4.8/5 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.
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Public liability insurance
In case contracting business causes an injury, illness, or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
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Business and office equipment insurance
In case something happens to equipment like your phone or computer.
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Tools insurance
In case your hand or power tools are lost, stolen, or damaged.
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Stock insurance
In case the supplies you rely on are lost, stolen, or damaged.
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Legal expenses insurance
In case you have to pay legal costs connected with your business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
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
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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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
£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
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Get your documents the same day
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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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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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
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 24/04/2024.
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
Insurance payout
Covering the cost of theft
Covering the cost of theft
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
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
