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Farm Shop Insurance
Compare insurance for farm shops
Protect your produce, tools, and customers with confidence
Compare quotes from trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like farm shops
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
farm shop insurance?
Farm shops are the heart of the local community, offering everything from fresh produce to homemade goods. But running a farm shop isn’t without its challenges. Whether it’s an accident in-store, damaged stock, or a claim from a customer, farm shop insurance helps protect your business from unexpected events.
We can tailor policies to give you peace of mind, so you can focus on running your shop and serving the local community.
What type of farm shops can you cover?
Every farm shop is different, and at Bionic, we help you find insurance for lots of stores, including:
- Independent farm shops
- Farm shops selling tools and equipment
- Farm shops selling food and drink
Can’t see your farm shop listed? It's likely can still help. Start a quote online to get started.
Why do farm shops need insurance?
Even the most successful farm shops can run into unexpected problems. Having the right insurance in place means you’re covered for things like:
- A customer claims they got food poisoning from your produce
- A customer slips and falls in your shop or outdoor area
- Your refrigeration or farming equipment breaks down
- Your stock is damaged by a flood or fire
- An employee gets injured while working
Farm shop insurance helps you manage these risks, covering losses and ensuring your business can keep running smoothly.
What does farm shop insurance cover?
At Bionic, we know every farm shop is unique, so we offer a range of cover options to keep you protected. Policies will vary per provider for farm shop insurance, and limits and exclusions apply. Always refer to your policy wording for details. Your insurance package might include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Equipment breakdown insurance
Covers the costs of repairing or replacing essential equipment in case of breakdowns.
What doesn’t it cover?
While farm shop insurance provides a wide range of cover, there are some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Losses due to lack of maintenance, such as failing to fix faulty equipment, may void your policy.
- General wear and tear – Normal ageing or wear on equipment and stock isn’t included.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does farm shop insurance cover cost?
Because all farm shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker, this because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
"Running a farm shop is about more than selling produce — it’s about creating a space your community can rely on. The right insurance will help give you the confidence to keep growing."
James Barwell, Insurance Director
What if you sell stock at markets or farm fairs?
If you’re taking your farm’s goods to market, you’ll need extra protection for those events. Markets and farm fairs often require the right level of public liability and product liability to cover claims from accidents or issues with your products.
Can you sell products made on your farm?
Many farm shops offer a mix of their own produce and goods from other local suppliers. So if you’re producing your own goods, you’ll need to tell your broker. Whether you’re selling flavoured milk or a neighbour's honey, tailored insurance from Bionic keeps your shop and stock covered.
Get farm shop insurance sorted with Bionic
Running a farm shop comes with its fair share of challenges, but finding the right insurance shouldn’t be one of them. At Bionic, we make it easy to get cover that’s tailored to your business.
Our team will compare trusted insurers to help you find the perfect policy, so you can keep your shop running smoothly. Start your quote online today to compare business insurance quotes, or speak to our UK-based team for support.
FAQs
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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