City farms can often find it difficult to source cover because many insurers are hesitant to work with organisations that handle animals. At Access we work with a specialist panel of insurers who understand the unique risks of working with animals and running a city farm.
- Access to specialty insurers willing to cover animal related risks
- Protection for mobile units, specialty animals and community events
- Expert advice from a Chartered Insurance Broker
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How can we help your City Farm?
Every city farm is unique, offering a variety of on site and off site activities. Whether you run educational workshops, host children’s parties or manage a mobile farm unit, we discuss your specific requirements to ensure you have the correct sections and levels of cover.
- Receive tailored guidance and a no obligation quote from our specialist team
- Public liability that covers interaction and care of animals
- Cover for working with a diverse range of animals
- Insurance that takes into account activities such as seasonal festivals, cafe operations and farm shops
Securing your Urban Farm and Community Hub
Our fully advised service ensures that your city farm is protected against the complex risks associated with animal care and public access. We arrange essential covers such as:
Public Liability
This is a critical element of your policy. Animals can be unpredictable, and there is always a risk of an injury caused by a bite or a kick. This cover also addresses allegations of illness resulting from contact with animals, ensuring you are supported if there is a claim that there was a failure in the duty of care.
Employers’ Liability
Most city farms rely on a dedicated team of staff and volunteers. This cover is essential to protect those working for your charity, ensuring they are covered if they are injured while supporting your farm activities or handling animals.
Buildings and Contents
Protection for your farm buildings, stables, barns and office spaces. This includes cover for your internal assets, such as office equipment, agricultural tools and animal feed, against risks like fire, theft or accidental damage.
Business Interruption
If an unforeseen event such as a fire or a flood forces your farm to close, this cover helps manage the financial impact. It is designed to help your charity survive a period of lost income while you get back on your feet.
Specialised Equipment and Machinery
Protection for essential farm assets including tractors, mowers, mobile animal pens and sensory equipment used for educational purposes.
See what they say
…it was critical that we had the right cover. Despite the lead time that was available to get the quote in, reviewed and agreed Access Insurance met this challenge head on.
They were able to provide cover for what we needed & unlike our previous insurer we did not need to buy a policy that covered several aspects we did not need. I would recommend them.
We felt like lost sheep & not sure what we needed. We were very happy to be guided by their expertise. The staff were extremely helpful and very patient. We would highly recommend them. Excellent…
Very responsive and answered questions politely and fully. Also very competitive pricing-important for a voluntary organisation!
Wow! What can I say; absolutely fabulous service from Access where nothing was too much trouble. Courteous, responsive and extremely quick in setting up our non-profit group’s insurance.
What types of cover do we provide
Our expert advisers work with you to create policies that meet your needs. Sometimes insurance can include common cover such as our public liability insurance for charity organisations. We also provide many other policies that will protect your assets, trustees, volunteers, supporters, participants and activities properly against the risks you face.
Public Liability Insurance
Public liability insurance for charities, sometimes referred to as charity liability insurance, ensures you are covered for claims as a result of injury or third-party property damage involving members of the public or other third parties, such as volunteers, due to your charity’s activities. We can provide charity public liability insurance for non-profit organisations and charities to cover these risks.
Staff Liability Insurance
It’s a legal requirement to have this policy in place if you have paid staff. You must also consider your volunteers’ safety and well-being. We design insurance that enables you to fulfil your duty of care for staff and volunteers.
Trustee Indemnity Insurance
Another popular cover is trustee indemnity insurance which protects people in positions of trust from claims made against them for mistakes or wrongful acts. This cover can also assist in legal costs associated with defending trustees and actions taken.
Professional Indemnity Insurance
To defend against claims for wrongful advice, errors or breach of care given for free or in exchange for payment.
Property and Contents Insurance
To properly protect your charity’s premises, infrastructure and physical assets in the case of theft or damage.
Cyber Insurance
To defend against the increasing risk of cyber-attacks, breaches and claims made regarding theft or loss of data.
and many more…
As specialist insurance brokers for charities, we can develop comprehensive policies to cover all the risks your organisation faces.
Why choose Access?
As part of the Benefact Group, Access brings together decades of experience in the charity and not-for-profit sectors. We operate as an independent and ethical broker, meaning we provide unbiased advice and recommend the insurer and cover that meets your specific needs.
If you would like to discuss the unique risks involved in running a city farm, please contact our expert advisers on 0333 344 7420. We are here to help you navigate the complexities of animal related insurance and ensure your community organisation can carry out its mission.
Your questions answered.
Some insurers have specific exclusions for horses and donkeys due to the risk of powerful kicks. However, we do work with a specialist panel of insurers who understand charities. We will negotiate and speak to insurers on your behalf and make sure they understand whether your equine care involves riding.
Yes, we can arrange cover for off site activities, including mobile farm units and educational visits, ensuring you’re covered wherever you run your activities.
Insurers will look for evidence of robust risk management, such as the provision of hand washing facilities and clear safety signage. We can discuss your health and safety procedures to ensure they meet the conditions of your policy. Public liability for city farms also provides defence if a member of the public falls ill due to your negligence.
We can provide comprehensive policies that extend to include your commercial activities, such as selling farm produce or running a community cafe, ensuring all aspects of your operation are protected.
Most of our clients have separate arrangements to cover veterinary fees for their animals, as city farm insurance typically focuses on the liability and property risks associated with the organisation. However, we can discuss your specific concerns during the quote process.
Yes, policies can usually be arranged to cover volunteers carrying out agreed farm activities. Insurers will expect volunteers to receive appropriate supervision, training and guidance, particularly when working around animals, tools or machinery.
Yes, material damage and public liability cover can usually be arranged for city farm items such as tractors, trailers, ride-on mowers, tools and other equipment owned by the farm. We can also discuss theft and accidental damage cover depending on your requirements. We will need to discuss your equipment to understand the risk and represent it fully to an insurer.
Policies can often include protection if an escaped animal causes injury or damage to a third party. Insurers will usually expect your risk assessment to consider your fencing, enclosure maintenance and animal management procedures.
This can normally be included, although insurers will expect appropriate inspection, maintenance and supervision arrangements to be in place for play areas and activities involving children.