Key features

Farm Combined – featuring liability, livestock, building and contents, personal accident and more.
Rural Protect Management Liability to cover defence costs and awards for the alleged wrongful act in running your business including Pursuit Cover
Smallholders & Crofters Insurance
Agricultural Contractors
Motor & Agricultural Vehicles

Call us on 01461 337 751 or email enquiries@cswinsurance.co.uk and a member of our team will be happy to answer your questions.

Farm Insurance Solutions

Protecting Farms, Farmers, and Rural Businesses with Expert Insurance Advice

Running a farm comes with unique challenges, from managing crops and livestock to maintaining machinery and safeguarding rural property.

At CSW Insurance Brokers, we understand that protecting your livelihood requires more than just a one-size-fits-all policy.

As trusted farm insurance brokers, we work with leading farm insurance companies to provide tailored solutions that cover the risks farmers face every day.

Our approach is simple: combine expert advice with a personal, family-run service that puts you first.

Whether you run a large commercial farm, a family holding, or work as an agricultural contractor, our team can help you find the right cover to keep your business secure for the long term.

Why Choose CSW for Farm Insurance?

Insurance for farmers should never be an off-the-shelf product. Every farm is different, and every farmer has their own set of risks to manage. That’s why choosing the right partner matters.

As an independent, family-run brokerage, we take pride in being approachable, knowledgeable, and genuinely invested in the farming communities we serve.

Unlike large national farm insurance companies, we provide face-to-face advice, the kind of personal service that many farmers feel has been lost in today’s digital age.

What sets us apart:

Specialist knowledge of agricultural risks and rural businesses.

Personal service from a friendly team who know the industry.

Independent advice — we’re not tied to one insurer.

Trusted partnerships with some of the UK’s leading farm insurance companies.

Regional focus — serving Dumfries & Galloway, Cumbria, the Borders, and Northumbria.

With CSW, you’re not just buying a policy; you’re gaining a long-term insurance partner who understands the demands of farm life.

What is Farm Insurance and Why Do You Need It?

Running a farm means managing constant risk. A storm can damage outbuildings, machinery can break down at the busiest time of year, or livestock can be injured or lost.

Without the right farm insurance, these incidents can create serious financial challenges.

A farm insurance policy is designed to protect:

Buildings and property – from barns and sheds to storage units.

Machinery and equipment – tractors, combines, and everyday tools essential to operations.

Livestock – covering illness, accidents, and theft.

Public and employer’s liability – protecting you against claims from employees, contractors, or visitors.

Business interruption – ensuring your income is protected if unforeseen events halt production.

Working with the right farm insurance company ensures that your cover is comprehensive, cost-effective, and tailored to your needs.

At CSW, we act as your expert brokers, making sure you get the best from the market without having to navigate complex policies yourself.

Our Farm Insurance Solutions

At CSW Insurance Brokers, we provide a wide range of products designed for farms, farmers, and agricultural contractors.

All cover is provided under a Farm Combined Insurance package, with different sections included depending on your specific needs.

Farm Combined Insurance

If you’re looking for a comprehensive solution, farm combined insurance may be the right choice.

This type of policy brings together multiple elements into a single package, reducing complexity while providing peace of mind.

A typical farm combined policy might include cover for:

Farm buildings, machinery, and equipment.

Livestock protection.

Liability cover.

Loss of income due to business interruption.

Every farm is different, which is why our team takes the time to assess your needs in detail.

We then source options from leading farm insurance companies, ensuring your policy is both cost-effective and complete.

Farm Motor Insurance

From tractors and quad bikes to specialist agricultural vehicles, reliable transport is at the heart of modern farming.

Standard vehicle insurance doesn’t always provide the right level of protection, which is why farm motor insurance exists.

Farm motor policies can cover:

Individual vehicles such as tractors and farm utility vehicles.

Fleets of vehicles, including commercial vans and 4x4s used on-farm.

Agricultural machinery used on both private land and public roads.

Whether you operate a single tractor or a fleet of vehicles, we’ll find a policy that ensures you’re fully covered.

As independent farm insurance brokers, we compare policies across multiple insurers, so you don’t have to.

Agricultural Contractors Insurance

Not every agricultural worker owns their own farm. Contractors play a vital role in supporting farming businesses, but with that work comes its own set of risks.

Agricultural contractors insurance is designed to protect businesses providing services such as harvesting, planting, spraying, or land management.

Cover typically includes:

Public liability insurance for on-site work.

Cover for specialist machinery and hired-in equipment.

Employer’s liability for staff and seasonal workers.

Business interruption protection.

Our role as brokers is to make sure agricultural contractors get the right balance of protection and price. We understand the pressures contractors face and provide policies that offer real security.

The CSW Difference: Local Brokers Who Understand Farming

Many farmers consider large or well-known insurance brands when arranging cover, but choosing an independent broker often delivers far greater value.

At CSW Insurance Brokers, we highlight the advantages of a broker-led approach, providing personal service, flexibility, and tailored advice that big-name providers can’t always match.

We combine local expertise with access to leading farm insurance companies.

That means you get the best of both worlds, competitive premiums from trusted insurers, alongside advice from a team that knows the realities of running a farm.

We’ve built strong relationships with our clients because we take the time to listen, understand, and tailor policies around their needs. Our commitment is to protect your business as if it were our own.

Frequently Asked Questions

What does farm insurance cover?

Farm insurance covers buildings, machinery, livestock, liability, and more. It can also include protection for business interruption, theft, or specialist risks depending on your farm.

How do farm insurance brokers differ from farm insurance companies?

Farm insurance companies sell policies directly. Farm insurance brokers like CSW act as intermediaries, comparing cover from multiple companies and advising you on the best fit. Brokers often secure better value and ensure your policy is properly tailored.

Is farm motor insurance included in farm combined policies?

In some cases, yes. Farm combined policies can include vehicle cover, but often it’s better to arrange specialist farm motor insurance separately to ensure complete protection for your machinery and vehicles.

Can farm insurance be tailored for small farms or hobby farms?

Absolutely. Whether you run a large-scale operation or a smaller rural holding, farm insurance can be adapted to suit your needs and budget.

Speak to Our Farm Insurance Team Today

Choosing the right insurance is one of the most important steps you can take to protect your livelihood.

With CSW Insurance Brokers, you gain more than a policy, you gain a partner who understands your business and is committed to keeping it safe.

Contact us today to speak directly with one of our farm insurance specialists. We’ll take the time to understand your farm, explain your options, and find the best cover for you.

Request a quote online or call 01234 567890 to speak directly with our team.