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Never too Small for Cover

Finding insurance cover that understands the needs of a smallholder, designed on a suitable smaller scale, is a big issue. That’s why, Carlisle-based H&H Insurance Brokers (HHIB) has launched Smallholder Protect®, a  bespoke policy, which offers cover to those with less than 50 acres of land from the consequences of liability, loss or damage.

Paul Graham, Managing Director at H&H Insurance Brokers, commented on their new product: “Small scale farmers may not face as many problems as their larger neighbours, but they still have an enterprise to run. The assets of this business need protecting, and the threats and liabilities are just as real.”

Smallholder Protect® has been designed to cater for most smallholdings, small working farms or hobby farms that own under 50 acres. HHIB is one of very few companies to offer this type of service in the UK.

“There has a been a growth in the market recently, with increasing numbers of people interested, and taking up small-scale farming. They may not be in the business of commercial farming, but they still need to have their needs covered.

We understand that it is not always possible to call an office between 9-5, so via a dedicated website,, you can get a quotation and go on cover 24/7 for 365 days of the year. By paying online, your cover starts immediately, or on the date you select, and all your documents will be sent via email too”, adds Paul.

Very competitively priced, Smallholder Protect® also boasts a wide range of cover such as agricultural buildings & contents, livestock, machinery, plus all liability needs – public, product and even employers. It can also include home and contents insurance if you choose to – so everything is covered under the one policy with one renewal date to remember. Cover for Employer’s Liability is included as standard and extends to helpers and friends who lend you a hand on a voluntary basis – an essential in today’s world.

Paul concludes: “If you are over the 50-acre limit or need to discuss further cover please call us on 01228 406319, and we can discuss your needs to ensure we get the right cover for you.”

Smallholder Protect® is a trading name of H&H Insurance Brokers, who marked their 30th year in 2017, providing farm and rural businesses with bespoke insurance policies and is one of the largest specialist independent insurance brokers in the UK.

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