This Practice Note considers the evolving insurance needs of UK farmers in light of changing farm operations, post-Brexit agricultural policy, diversification, climate-related risks and increased regulatory exposure. It explains the key risks affecting agricultural businesses and the practical steps farmers, advisers, brokers and insurers should consider when assessing cover, exclusions, valuation, disclosure and risk management.BackgroundIt is often said that ‘Farmers don't fear storms—they prepare for them.’ However, the best preparation does not always ensure success. The nature of on-farm risk, a changing environment, working with animals, extensive regulatory oversight and fluctuating global prices can all lead to unexpected outcomes. These factors create uncertainty for increasingly complex farming businesses, where insurance can assist, but may not always provide complete protection. Lawyers need to be aware of these competing and challenging factors when advising on risk and the adequacy of overall cover.The evolving insurance needs of UK farmers•Food security has become an increasingly important concern across all areas of food production. While the value of domestic food production is increasingly highlighted politically,