Farm Shop Insurance

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. 

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.

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. 

Farm shop insurance could cost from 82p a day*

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.  

_{*This price is for a shops and salons policy  – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary on your buisness requirements.}

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.

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.  

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.