Your Local Family Run Insurance Brokers

Down Insurances Ltd for your cover?

Our personal touch sets us apart and as such, we will know you and the cover you require as we appreciate every minute you're away from your livelihood is critical and knowing that you and your business is covered is our highest priority.

Your friendly, knowledgeable staff member has experience with the chanllenges you may face each day and can put you at ease with taking care of your insurance.

We provide a full range of agricultural insurances so whether you farm part time or full time, we will have the right cover specifically for you, saving you time by tailoring cover to meet your requirements.


What is Agricultural Insurance

Agricultural Insurance's purpose is to cover valuable assets that, if harmed, could limit the farm's economic potential, such as farming property, equipment, tools, livestock, and even in the event of human injury.

Whether you own a small family farm, or are operating across acres of land, we understand how busy and constantly demanding your farming life can be. However, it's crucially important that the work that you do in building your livelihood is protected against the day-to-day risks that agricultural life constantly has.

The majority of agriculture assets have the potential to be exposed to some form of damage, be it weather, harm to livestock, theft or personal injury. As a result, it's important that all the multitudes of your working farm are protected for complete peace of mind so you can focus on running your business.

Farm Insurance

Our Farm Insurance is tailored to meet your specific needs and requirements as we understand that all farms differ.

Farming plays an important role for the economy and within the community so whether you're running a small farm or operating a business on a larger scale, it's important to know how best to protect and prevent damages to your livelihood.


Farm Combined Insurance

This type of insurance does exactly as it suggests - it combines all types of farming requirements under the one policy. The cover can be adjusted for the likes of;

  • Damage to livestock
  • House and Buildings
  • Machinery
  • Liability
  • Silage
  • Straw
  • Equipment
  • Tools
  • Feedstuffs
  • and much more


Small Holdings Insurance

Down Insurances Ltd are extremely competitive when it comes to your Small Holdings Insurance. Providing cover for you whether the usage is for;

  • Hay, Straw, Arable, Crop
  • Cattle, Sheep, Pigs, Llama, Beef and Poultry
  • Bed and Breakfast, Air BnB, Yurst, Tenting, Caravans

Our insurers offer protection from risks associated with small holdings and our policy is designed to protect you with standard cover including;

  • Storm Cover
  • Flood Cover
  • Theft Cover
  • Animal Worrying
  • Fatal Injury to Livestock
  • Liability Cover at Shows
  • Employers Liability
  • Public Liability
  • Product Liability
  • Environmental Liability
  • Material Damage Cover for farm buildings, achinery, tools, produce, deadstock and livestock.

Livestock Insurance

Livestock is essential if you are in the livestock business as unfortunately, animals can be killed, stray, fall ill or be stolen.

This cover includes harms caused to livestock by fire, lightning and electrocution. It can be enhanced also include theft, livestock in transit, straying livestock and worrying.


Agricultural Vehicle Insurance / Farm Motor

When it comes to farm vehicles, we appreciate the need for the right cover for your requirements due to the daily diverse nature of your work. Vehicles are a priority for most farm insurance policies and this cover can include protection for tractors, vans, cars, quads, combine harvesters, lorries and pickups relating to your business.

There is also automatic cover for trailers and implements whilst attached or detached from the agricultural vehicle inlcuding slurry tankers, feeders and fertiliser sowers.


Tractor Insurance and Classic Tractor Insurance

Whether it's helping gather the spuds or cropping fields, attending shows or anything in between - we have your tractor covered.

Classic Tractor Insurance is something we excel at and together with our regular Tractor Insurance policies, we are sure to meet your requirements competitively.

Farm Liability Insurance

When it comes to protecting your farm, you will know the risks involved with the potential for legal action taken against the business on a daily basis. Liability Insurance protects against such risks ensuring you're covered correctly for your specific requirements to prevent financial loss with defending such risks.

If you partake in additional business activities as part of your farm business such as hoof trimming - you may need to consider extending your liability cover.

Product Liability Cover; insurance would cover someone who fell ill upon using a product from your farm.

Employer Liability; protects against injury to an employee as a direct result of working on your farm.

Environmental Liability; covers against the cost of repairing any environmental damage caused by work on your farm.

Public Liability; covers against for example if a member of the public is injured on your farm or if a stray animal causes damage to someone else's property.