iFarm Combined

We offer access to experienced Underwriters to provide a bespoke underwriting service for specialist and Estate risks.

Optional Flexible Covers

  • Land Agent Fees
  • Environmental Impairment Liability up to £2 million
  • Contamination of Own Milk up to £5,000
  • Financial Loss
  • Business Interruption – Gross Profit basis available for diversified activities
  • Accidental Damage available under Property Owners section
  • Commercial and Family Legal Expenses
  • Various commercial diversifications catered for


Standard Covers


  • Household Section includes Accidental Damage
  • Day One Uplift on all Buildings and Machinery at 25%
  • Dedicated Property Owners section including automatic Loss of Rent
  • Basis of Settlement Clause applicable to Sections 2 and 3 – Proposer can select whether to reinstate or replace with modern materials at the time of the claim rather than at inception of the cover
  • Malicious damage by Tenants up to £10,000
  • Hay and Straw stack limit £50,000
  • Contract works cover up to £250,000 under Household section
  • Contract works cover up to £250,000 under Property Owner section
  • Contract works cover up to £250,000 under Agricultural Building section
  • Walls, Gates and Fences provided up to £5,000
  • 75% Average Clause of for entire Agricultural Contents section
  • Fuel Tanks and Contents up to £7,500
  • Public/Products Liability standard Limit of Indemnity of £10 million
  • Under Public Products Liability Bed and Breakfast, DIY Livery up to 6 horses, up to 25 camping pitches and Farm Visits included
  • Loss of Money & Assault
  • Goods in Transit up to £5,000
  • Personal Accident – no Winter sports exclusion

Higher limits / cover extensions may be available upon request

*Note that specific Section Extensions will only apply if that Section is operative



  • High level of cover under one policy
  • Enhanced commission
  • 24 hours turnaround of enquiries

Holderness House 3,
Crabtree Hall Business Centre,
Little Holtby,

Tel: 0203 978 2870

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iFarm Underwriting Ltd is a trading name of Imperium Insurance Management Ltd, who is an Appointed Representative of Direct Insurance Group PLC, authorised and regulated by the Financial Conduct Authority, Firm Ref. No. 306080. You can check this on the Financial Services Register. Direct Insurance Group is covered by the Financial Ombudsman Service.
See www.financial-ombudsman.org.uk for details.

Registered in England and Wales, Company No: 3149879. Registered Office: 129 High Street, Billericay CM12 9AH © 2014 Direct Insurance Group PLC. ©. Direct Insurance London Market.

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