📖 Farmer Guide
The Farmer’s Guide to Income Protection
The farm does not stop when you do. Here is how to keep it running if injury or illness keeps you off the land.
Get a Free Quote →Farming is consistently among the most dangerous occupations in the country, and it is almost always self-employed — a combination that leaves the income badly exposed. Machinery, livestock and sheer physical work all carry risk, and there is no sick pay to fall back on.
Cover is specialist rather than off-the-shelf, but it does exist, and it can be built around farm profits and drawings rather than a salary you may never pay yourself.
Quick Answers
Farmer Cover — Quick Questions
Can farmers actually get income protection?
Yes. It is specialist, but we work with insurers that cover agricultural work properly despite the risk.
I do not draw a salary — can I still be covered?
Yes. We base the benefit on your real farming profits and drawings.
Are machinery and livestock injuries covered?
Income protection responds to injury and illness that stop you working, subject to the terms we will set out for you.
Can I protect the farm’s future as well as my income?
Yes — life cover and succession planning help protect the business alongside your family if the worst happens.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.