Whether you are a farmer, landowner or the manager of a large estate, you may encounter diverse and often complex risks which require a bespoke farm insurance policy

Standard ‘off the shelf’ products may not take into account your exact requirements, leaving you potentially exposed. That’s why it pays off to speak to a specialist insurance broker immersed in rural affairs. We have developed a new Land and Estate insurance product that can be tailored specifically to each CLA member from small farms right up to the largest estates. It covers a wide range of personal and commercial insurances.

  • We offer some of the widest cover in the market at extremely competitive rates
  • We are authorised by our underwriters to pay claims of up to £100,000 (excluding liability) in-house which means that claims can be settled more speedily
  • We offer an All Risks worldwide cover on home and contents which means that you can have peace of mind when overseas
  • We can cover the larger risks including Buildings, Contents, Fine Art and Valuables
  • We offer high limits of indemnity under Public and Products Liability and Employers’ Liability
  • We offer Environmental Liability of up to £2,000,000 limit of indemnity.


Environmental  impairment liability

Environmental damage is a growing risk that many farmers and land owners have found it difficult to obtain adequate insurance cover for.

Recent figures published by DEFRA show that agriculture was responsible for nearly 15% of serious pollution incidents in the UK in 2010-11. Despite this, many insurance policies still only include very limited environmental damage cover.

The CLA Land & Estate policy can include cover for most gradual pollution incidents. Our free pollution factsheet is available to members.

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Valuation service

Your home and possessions are likely to be your biggest investment so it’s essential that you insure them for the right amounts. We recommend periodical valuations to avoid the risk of being under insured and to give you peace of mind that you are correctly covered.

If you are interested in valuing your property or possessions we have taken the hassle out of finding the right company and negotiated a reduced cost valuation service with a reputable firm. Email insurance@cla.org.uk to find out more.