Smallholders Combined Insurance

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Environmental Impairment Insurance

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Agricultural Vehicle Insurance

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Welcome to Land Based Underwriters

LBU are at the forefront of innovative farm insurance policies. We understand the gaps conventional insurance cover brings and we actively provide solutions to ensure both you and your clients are protected.

We've teamed up with major global insurers, trusted by the world's leading industrial and commercial enterprises to bring farm insurance brokers comprehensive smallholding, environmental liability, vintage tractor, and agricultural vehicle insurance cover that plugs the holes of traditional policies.

Our product range is continually being developed so you can be sure we are leading the market.

For more information on the products we provide, click on our Products tab above or call us on 01590 624427.

Not an agricultural insurance broker with LBU? Get in touch and we'll do the rest.
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Who are LBU?

Land Based Underwriters (LBU) was created specifically to offer cover for what was found to be an immense gap in the farm insurance market. When the new Environmental Regulations came into force, standard public liability policies did not provide adequate protection.

Founder and Director, Roger Morgan DipCII of Farm & General Insurance Consultants Ltd, identified the shortfall and launched a campaign raising awareness among the UK's leading insurers and farm brokers. A powerful relationship was created with a leading global insurer and LBU was developed. Since then, we have continued to identify farm insurance areas in need of development in order to meet the demands of modern living and business practice.

Meet the Team

Explore Real-World Case Studies

Environmental accidents can happen to anyone, even seemingly low-risk farms. From a small warehouse fire leading to toxic water contamination to a school facing hefty fines for a heating oil leak, these real-world case studies showcase the unexpected ways environmental issues can arise. Be prepared for the unforeseen. 

Learn from these cautionary tales and discover how Environmental Impairment Liability insurance can protect your clients from financial ruin. Explore how seemingly minor incidents can result in significant financial and legal consequences. as our case studies delve into a variety of scenarios, highlighting the importance of proper risk management and environmental protection.

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Discover Our Products

Environmental Impairment Liability Insurance

We've teamed up with a major global insurer, trusted by the worlds leading industrial and commercial enterprises to bring you a comprehensive Environmental Impairment Liability Insurance policy.

Supporting Your Clients' Farm Diversification with EIL Insurance

Here at Land Based Underwriters, we understand the challenges faced by insurance brokers supporting clients through diversification.

Small Farm and Smallholding Insurance

Our smallholding insurance policy is specifically designed to protect small farms and smallholders and is available for enterprises up to 100 acres.

What Our Clients Say

At LBU, we build strong relationships with our clients, and we are proud to share some of their testimonials.

"We at CoverMarque have found the assistance of LBU invaluable. They took the time to clearly explain the potential gap in cover which could be filled with Environmental Liability insurance in a way which we have been able to easily explain to our customers to help them see the need for cover."

– John Keat, Account Executive at CoverMarque

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Latest News

Supporting Your Clients' Farm Diversification with EIL Insurance

Here at Land Based Underwriters, we understand the challenges faced by insurance brokers supporting clients through diversification.

Protecting Farms from Cyber Fraud and Scams

Fraud and scams are becoming increasingly sophisticated, targeting the farming community through both digital and traditional means. As these threats grow, farmers need to be well-informed and protect

Power Lines on Farms: A Hidden Danger

We will delve into the risks associated with overhead and underground lines and provide you with strategies to safeguard your clients and their businesses.

Protection from Farm Equipment and Machinery Theft

Protection against the growing threat of machinery theft and secure the future of agricultural businesses.

New Agricultural Vehicle Insurance

Land Based Underwriters are partnering with MS Amlin brokers to streamline the agricultural vehicle insurance industry.

LBU's Essential Guide to Small Farm and Smallholding Insurance

Understanding that a smallholding is more than just a piece of land, LBU policies accommodate a variety of activities and business ventures, supporting your lifestyle and business.

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