Reasons to insure with Santam Agriculture

Agriculture Insurance Risk management Product 3 min read 26 March 2021

With a nationwide presence and experience that stretches over 100 years, Santam Agriculture is firmly entrenched in the South African agricultural industry. Our knowledgeable team of skilled agriculture insurance experts has a solid understanding of the fundamentals of farming and of the complex risks scenarios faced by the South African farmer today. 


This means we are ideally positioned to help farmers understand and manage their unique risk environment and risk-bearing capacity proactively, ensuring that they are optimally safeguarded against potential threats. 


Crop insurance


The crop insurance environment has evolved extensively over the years. With access to data dating back 90 years – which includes insights into the effects of climate change and the impact of digital advancements in agriculture insurance – Santam has been able to remain at the forefront of leading-edge crop insurance solutions to the South African agriculture sector.


Here are the top five reasons why Santam Agriculture is considered SA’s leading crop insurer:


  1. Santam Agriculture is one of only six crop insurers in South Africa, with a current market share of over 50%.
  2. Santam Agriculture is internationally recognised for its ability to underwrite weather related risks on crops.
  3. Santam Agriculture provides continuously innovative insurance solutions that protect growing crops against weather related losses.
  4. Santam Agriculture offers quality and true value cover as a set of clear and concise solutions designed to suit every client’s unique environment and personal insurance needs.
  5. Santam prides itself on its reputation for superior claims experiences and a streamlined pay-out process.



Asset insurance


Santam Agriculture understands the catastrophic impact that natural disasters and unforeseen risks can have on the farmer’s bottom line. But running a sustainable business requires more than just protecting crops. That is why Santam Agriculture provides a comprehensive range of innovative asset insurance solutions for fixed and moveable properties to ensure continuity of operations and complete peace of mind. 



Here are top 10 reasons to consider Santam Agriculture as asset insurance partner of choice:


  1. Santam Agriculture offers a set of specialist solutions designed to suit each client’s unique insurance needs, ranging from livestock and game to pivot irrigation systems cover.
  2. Santam Agriculture provides a complete and superior insurance experience through extensive risk prevention and risk reduction solutions while allowing farmers the freedom to focus on growing their businesses.
  3. Our wide range of insurance solutions and risk cover options include diversified and bespoke solutions through the Santam Specialist insurance suite.
  4. Santam Agriculture understands that insurance expertise is critical when it comes to providing clients with the most suitable cover to meet their individual needs. That is why we partner with our clients’ trusted and knowledgeable brokers to ensure correct and sufficient cover.
  5. Santam Agriculture not only offers assets protection but also protects you from exposure to liabilities on farms as a result of damage to properties, spread of fire, dam wall damage, death or injuries and product liability, among others.
  6. Santam Agriculture offers farmers and producers added benefits when insuring their assets, ensuring that clients who belong to registered and approved Fire Protection Associations (FPAs) also benefit from reduced premiums as well as an option for fire extinguishing cost.
  7. Our flexible policies can incorporate all your insurance requirements. If required, a number of options can be added including: cover for goods being transported, guesthouses, extended cover for 4x4 vehicles, and death of livestock.
  8. Farmers and producers are able to take extra insurance against employee theft, or against your death or that of your employees.
  9. Our comprehensive vehicle cover also includes:


  • Motor vehicle repairs of up to R5 000 without prior consent.
  • Contingent liability.
  • Free excess waiver for individuals over the age of 55.
  • Damage to tyres on tractors, harvesters and agricultural implements of up to R30 000.
  • Vehicle hire if the vehicle is inoperable due to loss or damage.
  • Motor accident death benefit for employees of up to R60 000 per occupant.


  1. Santam Agriculture also provides specialist risk solutions for electronic equipment:
  • Laptops, tablets or similar electronic equipment designed to be carried by a person, enjoy world-wide cover.
  • Items of a specialist nature such as the auto pilot used in tractors or harvesters can be insured under the electronic equipment section. 



Value added benefits – Europe Assistance 


At Santam we understand the importance of emergency assistance whenever our clients are in need. As part of our value added service offering, all Santam Agriculture clients receive free access to the Europe Assistance emergency services:


  1. The beneficiaries of these services are the insured, his/her employees and any guest or visitor to the property within the borders of South Africa and Namibia.
  2. The 24-hour emergency assistance value added services include:


  • Personal Health Advisor
  • Medical Assistance
  • Legal Advice
  • Crisis Line


  1. In the event of an emergency the insured person, or any person mandated by the insured, can call 0860 505 911 for immediate assistance.