These days, many South African vine farmers and wine producers are also in the hospitality business, some featuring guesthouses and restaurants in addition to producing crops. Santam Agriculture has developed a unique and comprehensive product for the vine industry that falls under one policy, and offers you peace of mind no matter how varied your insurance needs are. It covers the commercial and personal needs of the vine industry supply chain, including farmers, co-operative producers, private wine farms and estates.

The vine insurance policy includes public liability protection, accidental damage to wine, wine tanks and related property, as well as losses to part of or the entire crop. Also included in the policy is cover for fire, lightning, explosion, and damage to trellises, uprights and fences.

The costs of labour, fertiliser, materials and disease and pest prevention methods are also covered in the event of damage or destruction of property and crops. You're also covered for loss of income, following an interruption or interference of the business as a result of damage. And at no additional cost, Santam offers value added services such as: a crisis line, emergency medical services, and health and legal advice.

Santam Agriculture's Vine Policy is an example of one of the many ways Santam is pioneering agricultural insurance in South Africa, and can be tailored to meet the specific needs of your farm. That's insurance done good and proper.