Rural & Agricultural

Our in-house team has over 20 years’ experience handling the insurance needs of rural businesses and fully appreciates the challenging nature of this sector. We are always on hand to assist and advise clients on the best ways to protect themselves from risks to their business and livelihoods. Macbeth can offer cover across the following areas:

Farm Combined

Farm combined insurance is a multi-section policy that encompasses all areas of a farming business and is suitable for a hobby farm to larger working farms and estates.

  • Farm property protection: protection against damage to farm property and contents
  • Liability: protection for business legal liability
  • Personal accident and sickness: cover for policyholders, employees and family following accidental injury or illness
  • Business all risks: “all risks” for a variety of covers
  • Household: private house buildings and contents
  • Legal Expenses: legal protection for commercial and family cover

Farm Motor

Farm motor insurance covers both private cars and commercial goods vehicles through to the full range of agricultural vehicles all under one policy.

  • Private cars, commercial and agricultural vehicles
  • Agricultural trailers attached and detached


Livestock policies provide all risks cover for specified animals and whole herds as a result of loss, destruction, damage, death, injury, illness and disease.

  • “All risks” mortality for specified animals
  • Fertility guarantee
  • Loss of use – infertility
  • Disease – including Brucellosis, Foot & Mouth and TB reactor

Agricultural Pollution Liability

Provides protection if you have to pay clean-up costs which may be unexpected and significant. The policy also provides peace of mind that if a pollution incident is identified, experts will be on hand to deal with the emergency and will clean up damage and mitigate any further loss.

  • Imposed remediation costs: including environmental impairment, own site clean-up costs and legal costs 7 expenses
  • Legal liability: covering damages that you are legally liable to pay due to accidental bodily injury, property damage, trespass, nuisance or obstruction arising out of pollution
  • Transportation: covering damage that you are legally liable to pay due to damage caused by transportation of products or waste


Designed specifically to cater for smallholdings and small working farms

  • Commercial: protecting farm building, contents, produce, machinery, livestock & liabilities
  • Home: domestic buildings, contents & personal effects
  • Legal Expenses: commercial protection and family legal expenses


Macbeth offers a flexible equine product that can offer the ability to create a bespoke cover across all classes of use, including point to point, advanced eventing, show jumping, hacking and pony club activities. Click here for more details link to equine insurance page


To learn more about our products and to review your current arrangements please contact or call directly on 0118 923 5091.

Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767