Smallholder Insurance

A smallholding is typically a property that has more land than a regular garden but isn’t as vast as a traditional farm. It’s a space where you might cultivate crops, raise livestock, or both. While there’s no strict acreage defining a smallholding, it’s commonly accepted to be any piece of land under 50 acres. This can vary from tiny plots resembling allotments to nearly-small farms. You can learn more about Smallholder Insurance and who needs it by visiting our blog.

Smallholders Insurance is for hobby farmers and small-scale producers, covering property, limited livestock, public liability, and small business activities. It’s ideal for those managing land as a lifestyle choice rather than a business.

Farm Insurance is for commercial farms, covering buildings, livestock, machinery, business interruption, and liability risks. It suits larger farms that employ staff and generate primary income.

Which one do you need?
If your farm is your main income source, Farm Insurance is best. If it’s a hobby or side venture, Smallholders Insurance is more suitable.

For over 25 years, Greenlands Insurance has been a trusted name in the UK for both large farms and smallholdings. Our expertise is especially tailored to the needs of smallholders. We understand that whether you own a small farm, a hobby farm, or any smallholding, unique challenges require specialised cover. Our dedicated advisers are well-versed in Smallholder Insurance and Small Farm Insurance, ensuring that every scale of farming operation receives the optimal protection. It’s this commitment to the agricultural community and our tailored approach that makes us stand out. If you’re seeking comprehensive Hobby Farm Cover or any Smallholder Insurance solution, Greenlands is the go-to choice.

Absolutely! Greenlands allows you to optionally include both your home buildings and their contents in your Smallholding Insurance. However, it’s essential to understand the nuances. If your home and contents are already under a specialist Smallholding or Small Farm Insurance policy, you’re likely set. But, if they’re under a standalone household policy, there might be coverage gaps during claims. It’s always best to double-check. Unsure? Our expert advisers are here to guide you. Reach out to us at 01970 636925 or request a call-back for tailored advice on ensuring your home is adequately covered.

Greenlands’ Smallholders Insurance is designed to cover properties from 0 to 250 acres. If your smallholding exceeds 250 acres, it would be best suited on Farm Insurance policy. We’re here to ensure every piece of land, big or small, gets the right coverage.

Greenlands’ Smallholder Insurance offers coverage for smallholdings and small farms located within:

Great Britain: This includes England, Scotland, and Wales.
The Isle of Man.
The Channel Islands.

Whether you’re in the heart of England or the scenic Channel Islands, our cover ensures you’re protected.

Every smallholding is unique, and we recognise that. If your operation doesn’t align with our standard policy limits or cover levels, don’t worry. Reach out to us. Our specialist advisers are on hand to discuss and tailor a solution that best fits your specific needs. With Greenlands’ Smallholders Insurance, we’re dedicated to ensuring every smallholder finds their perfect coverage match.

Employer’s Liability (EL) cover is a shield against claims from employees injured at work or affected by work-related illnesses. Even if most smallholders don’t formally employ people, there are often friends or relatives lending a hand. Whether they’re paid or just volunteering, having EL cover is a wise precaution. Recognising its importance, Greenlands includes EL cover as a standard in all Smallholding Insurance policies, safeguarding you up to a £10 million limit. It’s our way of ensuring peace of mind for every smallholder. For guidance on how to accurately assess your smallholding insurance needs, view our blog here. 

The policy is split across three main sections of cover, i.e. Property Damage, Livestock, and Liabilities (Public & Product, Employers’ and Environmental Liability), with the option to add Legal Expenses and Home Buildings and Contents insurance.

Standard policy benefits include the sale of own produce from home/farm gate, attendance at farmers’ markets, exhibiting of own livestock at shows, DIY livery for up to 3 horses, and caravan or tenting accommodation for up to 6 pitches. Where insurance for Home Buildings and Contents is added, cover for up to 6 paying guests (bed & breakfast) is also included. Find out the advantages of opting for comprehensive smallholders insurance here.

Absolutely! At Greenlands Insurance, we aim to provide flexibility for our clients. You can choose to pay for your Smallholders Insurance in a single payment or opt for a finance plan, facilitated through Close Brothers Finance. Interested in spreading out your payments? Give us a call at 01970 636925, and we’ll guide you through your options.

Greenlands’ Smallholders Insurance begins at just £422. This includes our core coverages, an administrative fee, and the Insurance Premium Tax (IPT) at 12%. It’s a comprehensive package designed to offer value and peace of mind for every smallholder.

Tractors are not typically covered on a Smallholders Insuance policy. If you have a tractor on your smallholding, you will require a separate Agricultual Vehicle or Farm Motor policy.