Finance, Schemes & Compliance
Insurance & Risk Management
Know what is covered before you need to know what is covered.
Farm insurance is typically renewed rather than reviewed, and the gap between what is insured and what is at risk is discovered at claim. This module holds every policy and its exclusions, maps them against a structured risk register, and assembles claim evidence from records the platform already keeps.
- 12 capabilities
- 1 linked schemes
- Offline capable
- 12
- Capabilities in this module
- 5
- Interactive tools
- 1
- Linked support schemes
- 5
- Data integrations
- 5
- Measures reported
The ground reality
What is actually happening in insurance & risk in the UK
Agriculture, forestry and fishing carries a fatal injury rate approximately twenty-two times the all-industry rate, and weather-driven yield swings routinely exceed twenty per cent. Both are insurable in part and manageable in part, and the difference between the two is a risk register nobody has written down.
Figures are as published at the time of writing. Farm policy and payment rates change frequently — verify against the primary source before relying on any number here.
In the field
Insurance & risk, as it actually looks
Photography from working UK holdings alongside the interface that records it. Every frame below is a commissioned slot: the brief is stated until the photograph is taken.
Insurance & Risk — a walkthrough
A working pass through insurance & risk: entering the record once, and watching it appear in the evidence pack, the calendar and the scheme application without being typed again.
- 0:00 What the module is for
- 0:48 Entering the record
- 2:05 Where it appears next
- 3:20 The evidence pack
Photography slots state their own brief until the shot is commissioned, so the layout never shifts when real images arrive.
Capabilities
What Insurance & Risk does
Every capability below is built on the same underlying record, so entering something once is enough for it to appear wherever it is needed.
Record and plan
- Policy register with cover, limits, excesses, exclusions and renewal dates
- Structured risk register scored on likelihood and impact
- Cover gap analysis mapping risks against policies
Operate and monitor
- Sum insured review against actual replacement values
- Business interruption exposure modelling
- Claim evidence assembly from platform operational records
Comply and evidence
- Claims history with outcome and settlement tracking
- Weather and parametric cover option appraisal
- Livestock, crop and machinery cover specifics
Analyse and improve
- Employers, public and product liability tracking
- Cyber and business continuity risk assessment
- Risk mitigation actions with cost and premium impact
Interactive
Tools you actually use, not screens you read
These are working interfaces inside the module — maps, calculators, planners and dashboards that respond to your own holding data.
Risk register heat map by likelihood and impact
Risk register heat map by likelihood and impact
MapCover gap report listing risks with no or partial cover
Cover gap report listing risks with no or partial cover
ToolSum insured checker against current replacement cost
Sum insured checker against current replacement cost
WizardClaim evidence pack builder from platform records
Claim evidence pack builder from platform records
BuilderBusiness interruption exposure calculator
Business interruption exposure calculator
CalculatorEnd to end
How Insurance & Risk runs, start to finish
The module is modelled as a state machine, so at any point the business knows exactly which stage every record is at and what has to happen next.
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1
Register every policy and its terms
This is where the record starts, and getting it right here removes work at every later stage.
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2
Build the risk register
The platform prompts only for what this stage genuinely needs, and carries everything forward.
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3
Map cover against risk
Conflicts with scheme rules, regulatory windows and existing commitments are flagged here rather than discovered later.
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4
Identify and close gaps
Capture works offline, so this stage is completed in the field rather than remembered afterwards.
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5
Review sums insured annually
Everything recorded at this point becomes evidence automatically, in every format that will later ask for it.
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6
Implement mitigation actions
This is the stage most businesses currently do twice, once for the operation and once for the paperwork.
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7
Assemble evidence if a claim arises
Results feed the whole-farm view, so the effect of this stage is visible against the rest of the business.
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8
Review claims history at renewal
The cycle closes here, and what is learned is carried into next season's plan rather than lost.
Who uses it
Built around four real jobs, not one generic user
Each of these people needs something different from the same record. The module is designed so none of them has to work around the others.
Farm business owner
Annual renewal
Wants to know what is not covered before renewing on autopilot.
Insurance broker
Advising the client
Needs an accurate risk and asset picture to place cover.
Loss adjuster
Assessing a claim
Needs contemporaneous operational records as evidence.
Farm manager
Health and safety
Needs risk mitigation actions tracked to completion.
Schemes and funding
Support schemes this module works with
Agrivencia holds these schemes as data, so eligibility, payment rates, caps and windows update the day they change rather than at the next software release.
Rates, caps and windows change frequently and sometimes without notice. Always confirm against the current published scheme rules before applying.
Measurement
How you will know it is working
The module reports against these measures from the day it is switched on, so the value is demonstrable rather than assumed.
- 01Risks with adequate cover
- 02Premium as a proportion of turnover
- 03Claims settled without dispute
- 04Mitigation actions completed
- 05Sum insured adequacy
Obligation calendar
What insurance & risk asks of you, and when
Windows, deadlines and recurring obligations for England. Set a different nation and the calendar reconfigures; farm across a border and it shows both, reconciled.
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January 1 entry
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14 January: Map cover against risk
A recurring step in insurance & risk.
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February 1 entry
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3 February: Animal Health and Welfare Pathway
Rolling application.
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March 1 entry
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22 March: Build the risk register
A recurring step in insurance & risk.
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April 1 entry
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20 April: Adding Value Grant
Round-based.
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June 3 entries
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4 June: Register every policy and its terms
A recurring step in insurance & risk.
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5 June: Farming Transformation Fund
Round-based by theme.
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15 June: Sustainable Farming Incentive 2026
Two windows in 2026: window one from 30 June, window two from September.
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July 2 entries
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14 July: Slurry Infrastructure Grant
Round-based.
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17 July: Water Management Grant
Round-based.
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October 1 entry
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5 October: Farming Equipment and Technology Fund
Round-based, usually open for a defined application period.
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November 3 entries
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12 November: Improving Farm Productivity Grant
Round-based.
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16 November: Identify and close gaps
A recurring step in insurance & risk.
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27 November: Environmental Land Management Capital Grants
Round-based, with rapid allocation once open.
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December 1 entry
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26 December: Countryside Stewardship
Rolling and round-based depending on the tier and option group.
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Payment schedule
What is due, and when it lands
Farm support arrives in instalments from several bodies on different calendars. Set against your own overdraft, the question is not how much but when — so the ledger is ordered by date, not by scheme.
| When | Payment | From | Amount | Status |
|---|---|---|---|---|
| December | Farming Equipment and Technology Fund | Defra / Rural Payments Agency | — | Expected |
| June | Sustainable Farming Incentive 2026 | Defra / Rural Payments Agency | — | Agreed |
| March | Countryside Stewardship | Defra / Natural England / Rural Payments Agency | — | Eligible |
| June | Environmental Land Management Capital Grants | Defra / Rural Payments Agency | — | Eligible |
| February | Farming Transformation Fund | Defra / Rural Payments Agency | — | Eligible |
| June | Improving Farm Productivity Grant | Defra / Rural Payments Agency | — | Eligible |
- — Agreed and scheduled
- — Claimed, awaiting payment
- — Eligible, unclaimed
What the statuses mean
- Agreed
- Under a signed agreement with a scheduled payment date.
- Expected
- Claimed and assessed; payment date per the published standard.
- Eligible
- Your holding appears to qualify but nothing is claimed yet.
Questions answered
What people ask about Insurance & Risk
Does this replace the software I already use?
Not necessarily. Agrivencia integrates with authoritative sources and mainstream packages rather than insisting on replacing them. Where an incumbent does one job well, the platform connects to it; where the job spans several systems and nobody does it, the platform does it.
Will it work where I have no signal?
Yes. Field capture in Insurance & Risk is offline first, storing locally and synchronising when a connection returns. Only around a fifth of UK farms report reliable signal across the whole holding, so this is a design assumption rather than a feature.
What happens when the scheme rules change?
Scheme rules are held as data rather than code, so a rate change, a cap change or a window closure is a content update that takes effect the same day. The platform also alerts you to what the change does to your own position.
Who owns the data I put in?
You do. The Farm Data Charter gives you a complete export in open formats at any time, and every instance of data sharing requires an explicit, revocable consent that is visible in your account.
Does it work if I farm across a border?
Yes, and that is one of the main reasons the platform exists. A business with land in more than one nation sees one reconciled view rather than two portals, with obligations and deadlines from both administrations in a single calendar.
Can my agronomist or land agent use it too?
Yes. You grant scoped, time-limited access per holding and per module, and you can revoke it in one click. Advisers never get a shared password or a blanket view.
What is the biggest limitation of this module?
Underinsurance discovered at claim. Mitigated by annual sum insured review. We would rather state that plainly than let you discover it after signing.
Documents
Take it away with you
Everything here is printable and works on a kitchen table with no signal. Where a document asks for an email address, it says so on the button rather than after you press it.
The Cover Gap: Matching Farm Insurance to an Actual Risk Register
The practical handbook for insurance & risk: what the rules require, what the evidence has to show, and the mistakes that cost people money.
insurance & risk — evidence checklist
Every document an audit or a claim asks for, in the order it is asked for, with the validity period of each.
insurance & risk — record template
The record structure the module uses, as a spreadsheet, so a business not yet on the platform can start keeping it correctly today.
Data model reference
Entities, fields and integration points for insurance & risk, for advisers and software partners.
See Insurance & Risk running on your own holding
Thirty minutes, using your parcels, your schemes and your enterprises rather than a sample farm. No obligation and no sales script — if it does not fit your business we will say so.
- Free tier available
- No card required
- Your data stays yours