CLA Insurance's new Rural Combined policy is tailored for farms and estates, offering extensive and flexible coverage. This policy aims to provide comprehensive protection for a wide range of needs specific to rural properties. Key features include:

• Coverage for main residences, holiday lets, landlords' contents, and personal valuables.
• Protection for commercial lets, agricultural buildings, livestock, and business interruption.
• Liability coverage for employers, public, and environmental risks.

The Rural Combined policy from CLA Insurance covers diverse risk features such as renewable energy, public events, farm shops, and liveries. However, it does not accommodate risks such as intensive farming (poultry and pigs), non-commercial risks, genetically modified crops, and large ground-mounted solar panel farms. Excluded risks like these can be covered separately from the core policy.

Our unique discount structure rewards you for good risk management, passing on premium saving for documenting maintenance regimes, conducting fixed electrical inspections, fire risk assessments, health and safety policies and much more.

Choose CLA Insurance’s Combined policy for peace of mind and robust protection tailored to your unique needs. To learn more and secure your business, contact us at 03301 658 942 or, alternatively, why not speak to your local team directly?

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Director of Rural and Estates

William Nicholl

+44 (0) 7387 290806

william.nicholl@howdeninsurance.co.uk

William has 26 years of experience in insurance broking, starting with commercial business and later specializing in farm and estate insurance. Since 2006, he has managed a large client portfolio in the northeast, bringing extensive rural expertise and a passion for finding tailored insurance solutions for diverse rural businesses.

North

Lindsey-Anne Murfin – Regional Director

+44 (0) 7564 580 527

lindsey-anne.murfin@howdeninsurance.co.uk

Lindsey-Anne is based in our Yorkshire office and oversees client services for Northern England. Having joined us in 2023 from NFU Mutual, she has a strong background in the many aspects of rural insurance, working to support all of our clients, existing and new.

John Murphy – Client Director

+44 (0) 743 520 4632

John.murphy@howdeninsurance.co.uk

John has over 20 years of insurance experience, with more than half of that time spent specializing in rural estates and private clients. Based in the north of England, he excels at building strong, lasting relationships with insurers and clients, making him well-suited to find solutions when issues arise.

West

Jeremy Mitchell – Regional Director

+44 (0) 793 083 0301

jeremy.mitchell@howdeninsurance.co.uk

Jeremy has over 30 years of experience in insurance underwriting and broking. Based in the Cotswolds, he specializes in rural businesses, particularly country houses, farms, and estates in the Southwest, Midlands, and Wales.

Charlie Higson – Client Director

+44 (0) 775 342 5610

Charlie.higson@howdeninsurance.co.uk

Charlie, based in the Cotswolds, specializes in landed estate and private client insurance. With nearly 10 years of broking experience, he has extensive knowledge of the rural insurance market and prioritizes high-level customer service.

South

Ian Berry – Regional Director

+44 (0) 778 538 7245

ian.berry@howdeninsurance.co.uk

Ian oversees client services in the Southeast and has over 20 years of experience in insuring historic houses and the rural community. His extensive experience enables him to offer bespoke and innovative solutions to his clients.

Wales

Stephen Kenyon – Regional Director

+44 (0) 7523 271 972

stephen.kenyon@howdeninsurance.co.uk

Stephen has had a successful career in the Rural Insurance Industry, enjoying strong client relationships. His work with the DEFRA Rural Payments Agency and Welsh Governments RPW Online has given him a deep understanding of the challenges faced by farming and estate communities in Wales and the West of England.