Fruit and Vegetable Picking Insurance for Farms, Growers, Contractors and Seasonal Crews

Specialist Insurance for Fruit and Vegetable Picking Businesses

From fruit farms and vegetable growers to seasonal picking contractors, mobile crews and larger harvesting operations, insurance requirements can depend on the crops handled, workforce, equipment, sites worked and whether the business also packs, stores or transports produce.

Quote Monkey can introduce suitable enquiries to a specialist broker who can consider growers, contractors, seasonal employees, equipment, liability and related agricultural risks based on the activities declared.

Request a Specialist Fruit and Vegetable Picking Insurance Quote

Farms & Growers • Picking Contractors

Seasonal Crews • Harvesting & Produce Handling

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Insurance for Fruit and Vegetable Growers

Fruit and vegetable businesses can range from small market gardens to substantial commercial farms employing large seasonal workforces and operating packhouses, cold stores and multiple growing sites. The specialist broker should understand the crops grown, harvesting methods, number of workers, machinery used and any packing, storage or distribution activity.

Fruit Farms

Commercial fruit growers may produce: apples pears plums cherries berries grapes and other crops.

Vegetable Farms

Vegetable growers may produce: lettuce cabbage broccoli cauliflower beans peas courgettes asparagus pumpkins and other crops.

Orchards

Orchards may use: manual pickers ladders picking bags platforms bulk bins and tractors or trailers.

Apple Picking

Apple farms may operate large seasonal picking crews during relatively short harvest periods.

Pear Picking

Pear harvesting can involve similar orchard equipment and manual handling exposures.

Cherry Picking

Cherry harvesting may involve ladders, platforms and delicate handling of produce.

Plum Picking

Plum farms may use manual crews and short harvest windows.

Soft Fruit Growers

Soft-fruit businesses may grow: strawberries raspberries blackberries blueberries and similar crops.

Strawberry Picking

Strawberry farms may operate across open fields, raised systems or polytunnels.

Raspberry Picking

Raspberry operations may involve long rows, support structures, tunnels and substantial seasonal labour.

Blueberry Picking

Blueberry crops may be manually harvested into small containers or bulk picking systems.

Blackberry Picking

Commercial blackberry crops may be grown under protected systems or outdoors.

Covered Crops

Some businesses operate within: polytunnels glasshouses covered growing systems and protected environments.

Market Gardens

Market gardens may combine: growing picking washing packing direct sales and local deliveries.

Salad Crops

Leaf crops and salads may require rapid harvesting, cooling and packing.

Horticultural Businesses

Horticultural businesses may combine several fruit and vegetable crops across the year.

Multiple Crops

Where a business grows several crops, the full operation should be declared rather than naming only the principal crop.

Seasonal Harvest Windows

Different crops can produce major changes in staffing, machinery use and stock levels during the year.

Insurance for Fruit and Vegetable Picking Contractors

Contractors and labour providers can have different exposures from growers because their employees or crews may work across many customer farms.

Fruit Picking Contractors

Contractors may provide complete picking teams to orchard or fruit growers.

Vegetable Picking Contractors

Vegetable contractors may work across fields, polytunnels and packing operations.

Harvesting Contractors

Harvesting businesses may supply both labour and equipment.

Agricultural Labour Contractors

Labour contractors may provide workers for: picking sorting packing grading and related seasonal work.

Seasonal Labour Providers

Peak staffing can rise significantly during harvest. The specialist broker should understand: permanent employee numbers seasonal employee numbers temporary labour and the maximum workforce at busy periods.

Mobile Picking Crews

Crews may move between farms throughout the season.

Customer Farms

Contractors may work entirely at premises they do not own. Public Liability can therefore be particularly relevant.

Multiple Customer Sites

One contractor may work for several growers in the same week.

Field Supervisors

Larger crews may include supervisors responsible for work allocation and coordination.

Team Leaders

Team leaders may oversee smaller groups of workers within larger picking operations.

Temporary Workers

Temporary labour arrangements should be described accurately.

Direct Employees

Some farms employ seasonal staff directly.

Labour Agencies

Where labour is supplied by a separate agency, explain the relationship and who directs the workers.

Subcontracted Labour

Where the main contractor uses another labour provider, this should be disclosed.

Worker Accommodation

If the business also provides or arranges worker accommodation, this is a separate material activity and should be specifically declared. Do not assume accommodation exposures automatically form part of picking cover.

Transporting Workers

If the business transports workers between accommodation, farms or fields, this should be declared. Do not imply motor insurance is automatically included.

Manual Picking

Workers may use: picking bags trays baskets crates knives secateurs and other hand tools.

Working at Height

Where ladders or elevated platforms are used, this should be declared.

Customer Crops

Contractors work directly around crops belonging to clients.

Customer Equipment

Workers may also operate around tractors, trailers, platforms and other equipment belonging to the farm.

Employers' Liability

Employers' Liability should be a major visible theme where permanent, seasonal or temporary workers are employed.

Seasonal vegetable picking crew harvesting commercial crops with field equipment and produce crates

Looking for Fruit and Vegetable Picking Insurance?

Whether you run a fruit farm, vegetable-growing business, seasonal picking crew or harvesting contractor, tell us how the whole operation works.

Include the crops involved, employee numbers, customer farms, harvesting methods, machinery, packhouse activity, storage and any packing or delivery work.

Request a Specialist Fruit and Vegetable Picking Insurance Quote

Insurance for Fruit and Vegetable Picking Equipment

Commercial picking and harvesting can involve much more than manual labour. The equipment used should be accurately declared.

Picking Bags

Orchard workers may use specialist picking bags or containers.

Baskets and Trays

Soft fruit and vegetables may be collected into smaller trays or containers.

Crates

Reusable crates may move continuously between: fields packhouses cold stores and distribution areas.

Bulk Bins

Orchard produce may be transferred into larger field bins.

Knives and Cutting Tools

Vegetable harvesting may involve hand knives, cutters or secateurs.

Secateurs

Fruit or vine operations may use hand-cutting tools.

Picking Trolleys

Trolleys may be used to move trays or harvested produce along crop rows.

Field Carts

Larger operations may use carts or small trailers.

Ladders

Orchard picking can involve ladders. The height and type of use should be accurately disclosed.

Picking Platforms

Some growers use elevated mobile platforms for orchard harvesting.

Mobile Platforms

Motorised or tractor-towed systems may move workers along crop rows.

Conveyors

Field harvesting systems may use conveyor belts to reduce manual carrying.

Harvesting Trailers

Trailers may transport crates, bins or harvested crops from fields.

Tractors

Tractors may move: trailers produce bins equipment and materials.

Telehandlers

Telehandlers may be used around: packhouses yards warehouses and storage areas.

Forklifts

Forklifts may move pallets of packed produce or packaging.

Pallet Trucks

Manual or powered pallet handling may also form part of the operation.

Grading Equipment

Produce may be graded by size or quality using mechanical equipment.

Weighing Equipment

Businesses may use: bench scales platform scales weighing lines or other equipment.

Field Packing Tables

Some produce is packed directly in the field.

Machinery Maintenance

Farms may maintain their own harvesting or packing machinery.

Farm Workshops

Workshops may contain: tools welding equipment diagnostic equipment spare parts and machinery. Where heat work or welding is undertaken, this should be declared where relevant.

Equipment Owned by Contractors

Picking contractors may own their own portable equipment.

Equipment Belonging to Customers

Contractors may also use equipment supplied by growers.

Portable Tools

Tools can travel between multiple farms. Goods in Transit or portable-equipment considerations may therefore be relevant.

Machinery Breakdown Dependency

Businesses relying on one or two key harvesting or packing machines can face significant disruption if equipment fails following an insured event.

Insurance for Packhouses and Produce Handling

Many growers continue to handle the crop after it leaves the field. Packing and storage can be a major part of the operation.

Packhouses

A packhouse may contain: grading lines conveyors washing systems packing stations label printers weighing equipment pallet areas and cold rooms.

Produce Grading

Fruit and vegetables may be sorted by: size quality ripeness or customer specification.

Produce Washing

Some crops are washed before packing.

Trimming and Preparation

Vegetables may be: trimmed cleaned sorted or otherwise prepared. Do not drift into full food manufacturing unless the business genuinely processes produce beyond normal agricultural packing.

Packing

Produce may be packed into: punnets bags trays boxes crates or bulk containers.

Labelling

Retail-ready produce may require: labels barcodes batch information and customer-specific packaging.

Packing Materials

Stock can include: boxes punnets bags film labels pallets and protective packaging.

Cold Rooms

Cold storage can be essential for maintaining crop quality.

Refrigerated Stores

Businesses may rely on refrigeration throughout the harvest.

Chilled Produce

A failure affecting insured refrigeration equipment can materially disrupt operations.

Produce Stock

Harvested crops may represent significant value at busy periods.

Packhouse Employees

Staff may work on: grading lines packing tables pallet areas cold stores and dispatch.

Seasonal Packhouse Workers

Employee numbers may increase alongside picking crews.

Palletisation

Packed produce may be stacked or palletised for dispatch.

Dispatch Areas

Finished produce may move directly to wholesalers, retailers or food businesses.

Warehousing

Larger businesses may hold packaging, equipment or finished produce in warehouse space.

Product Liability

Product Liability may be relevant where produce is grown, packed and supplied commercially.

Food Safety Responsibilities

Do not state that ordinary liability cover automatically protects against every food safety, contamination or recall event.

Business Interruption

Business Interruption can be particularly important where an insured incident affects: grading machinery packing equipment electricity supply cold storage or packhouse premises.

Farm workers grading and packing freshly harvested produce in a commercial agricultural packhouse

Premises and Working Locations for Picking Businesses

Fruit and vegetable businesses often operate across multiple types of premises.

Fields

The core harvesting activity may take place across several fields.

Orchards

Orchard businesses may operate across multiple blocks of trees and access routes.

Polytunnels

Soft-fruit and salad operations may use extensive tunnel systems.

Glasshouses

Some crops may be grown under glass.

Farmyards

Farmyards may contain: machinery trailers crates fuel or supplies and vehicle movement.

Packhouses

Packhouses may sit within the main farm or at a separate location.

Workshops

Farm workshops may be used for maintenance of machinery and equipment.

Machinery Stores

Dedicated buildings may house tractors, trailers and harvesting equipment.

Produce Stores

Harvested produce may be held within farm buildings before dispatch.

Cold Stores

Cold stores may be located on the farm or elsewhere.

Warehouses

Larger growers or packers may operate separate warehouses.

Offices

Administrative staff may work from offices at the farm or elsewhere.

Multiple Farms

A grower may operate several farms or rented growing sites.

Customer Farms

Contractors may work at many third-party agricultural sites.

Working From Home

Independent contractors may handle accounts, payroll, worker scheduling, customer enquiries, contracts and administration from home. Working From Home Insurance provides related guidance for home-based administration.

Home Offices

A small agricultural contractor may have no commercial office beyond a home workspace.

External Storage

Businesses may keep: crates tools packaging eventual spare equipment or non-perishable business property at separate locations.

Self Storage

Self storage may be relevant for suitable non-perishable property. See Storage Insurance and Business Goods and Stock in Self Storage. Fresh produce, agricultural chemicals and other specialist materials may require different storage arrangements.

Goods in Transit

Goods in Transit may be particularly relevant where: produce moves from field to packhouse packed crops move to customers tools move between farms crates move between locations or equipment travels with mobile crews.

Own Deliveries

Growers may make deliveries using their own commercial vehicles.

Third-Party Hauliers

Larger businesses may use external transport providers.

Customer Collections

Some wholesale customers may collect produce directly from the farm.

Vehicles

Do not imply motor insurance is automatically included within the agricultural business policy.

Multiple Premises

All material premises, fields, packing locations and storage locations should be accurately disclosed.

Insurance Considerations for Fruit and Vegetable Picking Businesses

The suitable insurance arrangement depends on whether the business grows crops, supplies labour, undertakes harvesting, operates packhouses or combines several activities.

Public Liability Insurance

Public Liability can be important where: contractors work on customer farms visitors attend farm premises workers operate around third-party property or businesses attend other commercial sites.

Third-Party Property Damage

A harvesting contractor could face allegations involving damage to: crops farm property fencing buildings or equipment.

Employers' Liability Insurance

Employers' Liability is a major consideration where the business employs: permanent farm workers seasonal pickers packhouse workers supervisors drivers maintenance staff or other employees.

Seasonal Workforce Peaks

The maximum number of employees during the busiest harvest period should be considered.

Labour Contractors

Where workers are supplied by another business, the contractual relationship should be clearly described.

Temporary Workers

Temporary status should not be assumed to remove employment-related responsibilities.

Product Liability Insurance

Product Liability may be relevant where fruit or vegetables are grown, packed or supplied to customers.

Business Contents Insurance

Business Contents may include: tools office equipment packing equipment scales computers and other commercial property.

Machinery and Equipment

Harvesting, grading and packing machinery may represent substantial values.

Business Stock

Stock can include: harvested produce packaging spare parts crates and other business property.

Goods in Transit Insurance

Goods in Transit may be relevant to produce, equipment and packaging moving between locations.

Commercial Property Insurance

Commercial Property may be relevant where the business owns or has responsibility for: packhouses workshops stores warehouses offices or other commercial buildings.

Business Interruption Insurance

Business Interruption can be particularly important where insured damage prevents the use of: packhouses cold stores grading equipment packing machinery or other essential premises and property.

Cyber Insurance

Agricultural businesses can rely on digital systems for: payroll seasonal worker records customer orders supplier accounts business banking inventory and administration.

Professional Indemnity Insurance

Professional Indemnity is generally secondary for straightforward picking operations. It may become relevant where a business provides professional: crop consultancy management advice technical agricultural advice or similar services.

Multiple Activities

Where the business combines: growing picking labour supply packing storage wholesale and delivery, the complete operation should be declared.

Looking for Fruit and Vegetable Picking Insurance?

Whether you run a fruit farm, vegetable-growing business, orchard, seasonal picking crew or agricultural contracting operation, tell us how the whole business works.

Include the crops involved, permanent and seasonal employees, customer farms, harvesting methods, ladders or platforms, machinery, packhouse activities, storage, deliveries and any packing or produce-handling work.

Request a Specialist Fruit and Vegetable Picking Insurance Quote

Frequently Asked Questions

What is Fruit and Vegetable Picking Insurance?▼

Fruit and Vegetable Picking Insurance is a broad description for insurance arranged around growers, farms, orchards, harvesting contractors, seasonal picking crews and related agricultural operations. The suitable arrangement can depend on crops, employees, machinery, customer farms, packhouses and storage.

Can a fruit farm get insurance?▼

Fruit farms can be referred to a specialist broker. Explain the crops grown, employee numbers, harvesting methods, equipment, premises and any packing or storage activity.

Can a vegetable farm get insurance?▼

Vegetable growers may be considered where the crops, seasonal labour, machinery and produce-handling activities are declared.

Can an orchard get insurance?▼

Orchard businesses may be considered where fruit picking, ladders, platforms, workers and equipment are accurately described.

Can a soft-fruit farm get insurance?▼

Soft-fruit growers may be considered for crops such as strawberries, raspberries, blackberries and blueberries where the complete operation is declared.

Can a strawberry farm get insurance?▼

Strawberry-growing businesses may be considered whether crops are grown outdoors, under tunnels or using other commercial growing systems.

Can a raspberry farm get insurance?▼

Raspberry growers may be considered where seasonal workers, covered growing systems and packing operations are described.

Can a blueberry farm get insurance?▼

Blueberry-growing operations may be considered where their harvesting and produce-handling arrangements are declared.

Can a blackberry farm get insurance?▼

Commercial blackberry growers may be considered where the crop and working methods are accurately disclosed.

Can an apple orchard get insurance?▼

Apple-growing businesses may be considered where ladders, picking bags, bins, platforms and employee numbers are declared.

Can a pear orchard get insurance?▼

Pear-growing operations may be considered where their harvesting activities and equipment are described.

Can a cherry orchard get insurance?▼

Cherry growers may be considered where the use of ladders, elevated equipment and seasonal labour is disclosed.

Can plum picking businesses get insurance?▼

Plum-growing and harvesting businesses may be considered where the crop, workforce and equipment are declared.

Can vineyards get insurance for grape picking?▼

Vineyard harvesting may be considered where grape picking forms part of the declared agricultural operation.

Can market gardens get insurance?▼

Market gardens may be considered where they combine growing, picking, packing, direct sales or deliveries.

Can horticultural businesses get insurance?▼

Commercial horticultural businesses may be considered where the crops, premises, employees and wider operations are accurately described.

Can salad-crop growers get insurance?▼

Salad and leaf-crop businesses may be considered where harvesting, cooling and packing activities are declared.

Can lettuce growers get insurance?▼

Lettuce-growing businesses may be considered where harvesting and packing operations are explained.

Can cabbage growers get insurance?▼

Cabbage-growing and harvesting businesses may be considered where the workforce and machinery are declared.

Can broccoli growers get insurance?▼

Broccoli-growing businesses may be considered where the picking, handling and packing processes are described.

Can cauliflower growers get insurance?▼

Cauliflower growers may be considered where seasonal labour and packing activity are declared.

Can asparagus growers get insurance?▼

Asparagus-growing businesses may be considered where their seasonal harvesting methods are explained.

Can bean picking businesses get insurance?▼

Commercial bean-growing and picking operations may be considered where the crop and labour arrangements are declared.

Can pea picking businesses get insurance?▼

Pea-growing businesses may be considered where the harvesting activity and machinery are described.

Can courgette growers get insurance?▼

Courgette-growing and harvesting businesses may be considered where the picking operation is accurately declared.

Can pumpkin farms get insurance?▼

Pumpkin-growing operations may be considered where their harvesting, storage and any public-facing activities are disclosed.

Can crops grown in polytunnels be insured?▼

Businesses using polytunnels may be considered where the crops, structures and employee activities are declared.

Can glasshouse-grown vegetables be insured?▼

Glasshouse operations may be considered where the growing, harvesting and packing activities are described.

Can fruit-picking contractors get insurance?▼

Fruit-picking contractors may be considered where they provide labour or complete harvesting crews to growers.

Can vegetable-picking contractors get insurance?▼

Vegetable-picking contractors may be considered where the workforce, customer farms and harvesting activities are declared.

Can harvesting contractors get insurance?▼

Harvesting contractors may be considered where they supply labour, equipment or both.

Can agricultural labour contractors get insurance?▼

Agricultural labour contractors may be considered where the workers supplied, customer farms and employment arrangements are clearly described.

Can seasonal labour providers get insurance?▼

Seasonal labour businesses may be considered where peak workforce numbers, activities and customer sites are declared.

Can mobile picking crews get insurance?▼

Mobile picking crews may be considered where they work across multiple farms and fields.

Can contractors work on several farms?▼

Yes. Contractors may work across several customer locations, but all material activities and sites should be described.

Can seasonal workers be included?▼

Seasonal workers may form a major part of the business. Peak employee numbers should be declared accurately.

Can temporary workers be included?▼

Temporary workers should be disclosed along with the way they are engaged and supervised.

Can farms use labour agencies?▼

Labour supplied through an agency may form part of the operation. Explain who employs and directs the workers.

Can subcontracted labour be used?▼

Subcontracted labour may be considered where the contractual arrangements and responsibilities are described.

Can picking businesses provide worker accommodation?▼

Worker accommodation should be specifically declared because it creates additional exposures beyond ordinary picking activity.

Can picking businesses transport workers?▼

Worker transport should be declared. Do not assume vehicle insurance forms part of the agricultural business policy.

Can field supervisors be included?▼

Supervisors and team leaders may form part of the workforce.

Can picking businesses use hand tools?▼

Knives, secateurs, cutters and other hand tools may form part of declared harvesting activity.

Can workers use ladders?▼

Ladder use may be considered where the heights, frequency and activity are accurately disclosed.

Can picking platforms be used?▼

Elevated picking platforms may be considered where the equipment and working methods are declared.

Can mobile orchard platforms be used?▼

Motorised or tractor-towed picking platforms should be specifically disclosed.

Can tractors be used?▼

Tractors may form part of the wider agricultural operation, but motor or specialist machinery cover should not be assumed to be automatically included.

Can telehandlers be used?▼

Telehandlers may be used around yards, packhouses and warehouses where declared.

Can forklifts be used?▼

Forklifts may form part of produce handling and pallet operations.

Can pallet trucks be included?▼

Manual or powered pallet equipment may form part of the declared business.

Can harvesting trailers be used?▼

Trailers used to move produce or equipment may form part of the operation.

Can conveyors be insured?▼

Field or packhouse conveyors may need consideration where they are important business equipment.

Can grading equipment be insured?▼

Mechanical grading equipment may form part of the business contents or machinery requirement.

Can weighing equipment be insured?▼

Scales and weighing systems may form part of the business property.

Can picking trolleys be insured?▼

Trolleys and other harvesting equipment may form part of the equipment requirement.

Can produce crates and bins be insured?▼

Reusable trays, crates and bulk bins may form part of business property where values are material.

Can farm workshop tools be insured?▼

Workshop tools and maintenance equipment may require Business Contents consideration.

Can farms carry out their own machinery repairs?▼

Maintenance of the farm's own machinery may form part of the operation. Commercial repair work for others should be declared separately.

Can welding or heat work be included?▼

Where farm workshops undertake welding or other heat work, this should be specifically disclosed.

Can a fruit farm have a packhouse?▼

Yes. Packhouses may form a substantial part of larger fruit-growing businesses.

Can vegetable farms operate packhouses?▼

Vegetable growers may operate grading, washing and packing facilities where declared.

Can produce grading be insured?▼

Grading lines and equipment may form part of the business's insured property requirements.

Can produce washing be included?▼

Commercial washing or cleaning of crops may form part of the declared post-harvest operation.

Can vegetables be trimmed before packing?▼

Normal agricultural trimming or preparation may be included in the declared operation. More substantial processing should be separately described.

Can fruit be packed into punnets?▼

Punnet and tray packing may form part of a commercial fruit operation.

Can vegetables be packed into bags or boxes?▼

Bag, box and crate packing may form part of the declared produce-handling activity.

Can packaging stock be insured?▼

Boxes, punnets, bags, labels, pallets and other packaging may require Business Stock consideration.

Can cold stores be insured?▼

Cold stores may form part of Commercial Property or Business Contents requirements depending on the arrangement.

Can chilled produce be insured?▼

Harvested produce may require stock consideration where material values are held.

Can refrigeration breakdown affect Business Interruption?▼

Dependence on refrigerated storage can be important when assessing Business Interruption, subject to the actual insured events and policy terms.

Can packhouse machinery be insured?▼

Packing, grading and handling equipment may require machinery or contents consideration.

Can packhouse employees be included?▼

Employees working in grading, packing, cold storage and dispatch areas should be declared.

Can seasonal packhouse workers be included?▼

Seasonal workers in packing operations should be included when describing peak employee numbers.

Can warehouses be included?▼

Warehouses holding produce, packaging or business equipment may be considered where declared.

Can farm buildings be insured?▼

Packhouses, workshops, stores, offices and other commercial agricultural buildings may require Commercial Property consideration.

Can produce be stored in farm buildings?▼

Harvested crops may be stored at farm premises where the values and storage arrangements are declared.

Can cold stores be at a separate location?▼

Yes. Separate refrigerated premises should be disclosed as an additional location.

Can picking contractors work entirely at customer farms?▼

Yes. Contractors with no agricultural premises of their own may work entirely at third-party farms.

Can fruit and vegetable businesses operate across several farms?▼

Multiple farm or field locations may be considered where the business's geographic spread is declared.

Can agricultural contractors work from home?▼

Contractors may manage payroll, scheduling, accounts and customer administration from home.

Can agricultural businesses use external storage?▼

Separate storage may be used for suitable tools, crates, packaging or equipment.

Can fruit-picking businesses use self storage?▼

Self storage may be suitable for certain non-perishable business property where the goods and location are declared.

Can fresh produce be kept in ordinary self storage?▼

Do not assume so. Fresh produce may require specialist temperature-controlled or food-suitable storage.

Can agricultural chemicals be stored in ordinary self storage?▼

Do not assume specialist agricultural materials are accepted by ordinary self-storage facilities or insurance arrangements.

Can Goods in Transit Insurance be relevant?▼

Goods in Transit may be relevant where produce, equipment, crates or packaging move between fields, packhouses, customers and storage.

Can produce be insured while being delivered?▼

Packed produce in transit may need specific consideration depending on the arrangement.

Can picking equipment be insured between farms?▼

Portable tools and equipment moving between locations may require appropriate transit or portable-equipment cover.

Can crates be covered while transported?▼

Crates and reusable packaging may form part of goods or equipment moving between locations.

Can growers deliver produce using their own vehicles?▼

Yes, but vehicle insurance should be arranged separately where required.

Can third-party hauliers be used?▼

External haulage may form part of distribution and should be explained where relevant.

Does a fruit-picking business need Public Liability Insurance?▼

Public Liability can be important where contractors work at customer farms or third parties interact with the business.

Can Public Liability be relevant to damage to customer crops?▼

A contractor may face allegations involving damage to a customer's crops, subject to the circumstances and policy terms.

Can Public Liability be relevant to farm property damage?▼

Allegations involving third-party buildings, fencing or equipment may require Public Liability consideration.

Does a fruit farm need Employers' Liability Insurance?▼

Employers' Liability may be required where permanent, seasonal or temporary workers are employed.

Does a vegetable farm need Employers' Liability Insurance?▼

Vegetable-growing businesses employing workers should disclose all relevant employment arrangements.

Do seasonal pickers count when arranging Employers' Liability?▼

Seasonal employees should be included when describing the workforce and peak numbers.

Can packhouse workers be included under Employers' Liability?▼

Packhouse workers may form part of the insured workforce where declared.

Can supervisors and drivers be included?▼

Supervisors, drivers and other employees should be included within the business description.

Can Product Liability Insurance be relevant?▼

Product Liability may be relevant where fruit or vegetables are grown, packed, sold or supplied commercially.

Can Business Contents Insurance be relevant?▼

Business Contents may be relevant to office equipment, tools, packing equipment and other business property.

Can Business Stock Insurance be relevant?▼

Stock cover may be relevant to harvested produce, packaging and other business goods.

Can Commercial Property Insurance be relevant?▼

Commercial Property may be relevant to packhouses, workshops, stores, warehouses and offices.

Can Business Interruption Insurance be relevant?▼

Business Interruption may be relevant where insured damage to key premises or machinery materially disrupts harvesting, packing or distribution.

Can Cyber Insurance be relevant to fruit and vegetable businesses?▼

Cyber Insurance may be relevant where payroll, seasonal worker records, customer orders, accounts and business systems depend on digital technology.

Can Professional Indemnity Insurance be relevant?▼

Professional Indemnity is usually secondary for straightforward picking work but may become relevant where professional crop consultancy, management or technical advice is provided.

Can growers sell produce directly to consumers?▼

Direct farm-gate, market or online sales may form part of the business where declared.

Can fruit and vegetable growers sell wholesale?▼

Wholesale supply may form part of the wider operation.

Can growers supply restaurants?▼

Supply to hospitality businesses may form part of the declared customer base.

Can growers supply food manufacturers?▼

Commercial supply to food manufacturers may be declared where relevant.

Can growers sell produce online?▼

Online produce sales may form part of the wider operation where the website, orders and fulfilment processes are described.

Can fruit and vegetable businesses combine growing and contracting?▼

Yes. A business may grow its own crops and also provide harvesting services to other farms. Both activities should be declared.

Can a business combine picking, packing and storage?▼

Yes. Many commercial operations combine all three, and the whole business should be described.

Can a business combine growing, wholesale and deliveries?▼

Yes. The broker should understand the complete supply chain operated by the business.

What information is needed for a Fruit and Vegetable Picking Insurance enquiry?▼

Be ready to explain the crops grown or harvested, whether the business grows or contracts, farm locations, seasonal employee numbers, labour arrangements, ladders or platforms, machinery, customer farms, packhouses, cold storage, produce values, premises, storage and deliveries.