Dickson & Wilson Insurance Brokers
Key Factors That Affect Your Agriculture Insurance Premium in Ireland
Understanding what influences the cost of agriculture insurance can help you manage risk and avoid unnecessary increases.
Type of Farming Activity:
Livestock, tillage, contracting or mixed farming all carry different risk levels. The nature of your farming operation plays a major role in how your premium is calculated.
Farm Buildings and Property:
The age, construction and condition of sheds, barns and outbuildings affect insurance costs. Fire risk, security and maintenance standards are also considered.
Machinery and Equipment:
The value, age and use of tractors and machinery can influence premiums. Storage arrangements and security measures are also taken into account by insurers.
Liability Exposure:
Public and employer’s liability limits impact pricing. Farms with staff, visitors or public access typically require broader liability cover.
Claims History:
Previous claims can affect your premium at renewal. A good claims record often leads to more favourable terms and access to wider insurer options.
Dickson & Wilson Insurance Brokers
Comprehensive Agriculture Insurance Cover Explained
Our agriculture insurance policies are designed to protect the day to day realities of modern farming, covering everything from buildings and machinery to livestock, vehicles and liability risks.
Below is an overview of the types of cover that can be included, depending on your farm, operation and insurer.
| Coverage | Available |
|---|---|
| Buildings and Contents |  |
| Contents, including sporting equipment, guns, and saddlery | |
| Farm Vehicle - Comprehensive | |
| Farm Vehicle - Third Party Fire & Theft | |
| Farm Vehicle - Third Party Only | |
| Livestock death, disease and accident | |
| Livestock theft and straying | |
| Livestock in Transit | |
| Worrying | |
| Legal Expenses - Employment Disputes | |
| Legal Expenses - Property Issues | |
| Public and Employers' Liability | |
| Loss of Revenue | |
| Milk in Tanks | |
| Personal Accident & Sickness | |
| Farm All Risks | |
Farm Insurance Extras
Practical Add Ons That Strengthen Your Farm Cover
Every farm is different, which is why agriculture insurance often includes optional extras that can be added where they genuinely make sense.
Our brokers will explain which add ons are worth considering based on your farm size, level of activity and budget, helping you avoid paying for cover you do not need.
Machinery Breakdown Cover
Helps cover repair or replacement costs if insured farm machinery suffers mechanical or electrical failure during normal use.
Increased Liability Limits
Provides higher public and employer’s liability limits where your farm has greater exposure to staff, visitors or contractors.
Personal Accident and Sickness Cover
Offers financial support if injury or illness prevents you from working for a period of time.
Loss of Income or Revenue Protection
Helps protect your farm income following an insured event that disrupts normal operations.
Livestock Worrying Extension
Provides additional protection where livestock are at risk from dogs or other third party incidents.
Experienced Agriculture Insurance Brokers
Why Choose Dickson & Wilson for Agriculture Insurance?
When it comes to protecting your farm, you need agriculture insurance brokers who understand rural life and put your interests first. At Dickson & Wilson Insurance Brokers, we provide independent advice and tailored agriculture insurance for farms and rural businesses across Ireland.
- Independent agriculture insurance advice: We compare policies from a wide range of insurers to secure cover that suits your farm, not a standardised policy.
- Understanding of farming and rural risks: With decades of experience, we understand the practical risks faced by Irish farms, from livestock and machinery to liability exposure.
- Competitive and fair premiums: Our focus is on securing cost effective agriculture insurance without reducing the level of protection your farm needs.
- Personal service from experienced brokers: Speak directly with knowledgeable advisors who take the time to understand your operation. No call centres and no automated systems.
Farm Insurance Topics
Agriculture Insurance FAQs
What does agriculture insurance cover in Ireland?
Agriculture insurance can cover farm buildings, livestock, machinery, vehicles and liability risks. Policies are tailored to the type of farming and level of activity involved.
Do I need agriculture insurance if I farm part time?
Yes, even part time or small scale farming activities can carry risk. Appropriate agriculture insurance helps protect against property damage, liability claims and unexpected losses.
Is farm liability insurance required in Ireland?
While not legally required in all cases, public liability insurance is strongly recommended for farms, especially where visitors, deliveries or contractors are involved.
Can agricultural machinery be insured separately?
Yes, tractors and agricultural machinery can be insured either as part of a farm policy or under a separate agricultural vehicle policy, depending on usage.