Find the insurance that best suits you

Our experienced and knowledgeable intermediaries will help you choose the right cover and any additional add-ons that you need.

General

Protect your business with cover that includes, amongst other risks, loss of locks and keys, security costs, and removal of fallen trees. Depending on your needs, we also offer specific cover for silo bags and bunkers, damage to fruit and nut tree orchards, and more.

Business all risks

Cover all your bases, wherever your equipment is. This insurance provides comprehensive cover for the loss of or damage to specified equipment as a result of any accident or misfortune.

Group personal accidents

Protect your employees and get compensation for any accidental bodily injury they suffer on the job. Standard cover is for death, permanent disability, temporary total disablement, and limited medical expenses.

Buildings (Combined)

Santam offers cover for buildings such as guesthouses on your farm, protecting them against fire, lightning and explosion, earthquake, storm, wind, water, hail and snow, and more. Your cover can be extended to cover losses caused by theft of fixtures and fittings, as well as legal liability.

Accidental damage

Accidents happen, and as a farmer, it's hard to predict what will impact your farm and livelihood. Accidental damage cover covers you when the unexpected happens.

Vehicles

Choose comprehensive motor vehicle cover, providing protection against all risks, or for a lower premium, choose third-party liability, fire and theft only. There is also the option to select third-party liability cover only.

Fire

Protect your property, such as buildings, plants, machinery and stock, against damage caused by fire, lightning and explosion, earthquakes, storm, wind, water, hail and snow, impact by a vehicle or an aircraft, and a power surge.

Machinery breakdown

The machinery in your premises is exposed to all kinds of risks on a daily basis. Our policy cover goes beyond fire and theft and can be extended to include accidental damage on the machinery breakdown section. We also cover costs incurred for overtime and express freight to repair the machine so it can get back to work as quickly as possible.

Livestock

Get comprehensive insurance on an all-risk basis for your stud animals, including cover against transit risks, theft and infertility, among other risks. We also provide limited cover for your herd, including fire and lightning. This can be extended to include accidental injury like attacks by dogs and wild animals.

Business interruption

Should you be unable to run your business due to certain insured events, we provide cover for loss of profit and fixed costs that prevent, reduce or interrupt your trade – helping to keep your farm in business.

Deterioration of stock

When machinery breaks, stock can be compromised. Protect your investment with cover for refrigerated stock.

Game

Owning a game farm comes with very specific risks. Our game insurance covers the Big 5, buffalo younger than 15 years, sable and other game. We also offer protection against fire, lightning and chemical immobilisation. Santam Marine offers cover for auction and transit, with optional cover for offloading.

Theft

Unfortunately, crime is a fact of life. We’ve got you covered if you suffer a loss due to theft following forcible entry into a building on your premises.

Electronic equipment

Electronic equipment is an integral part of your business and should be properly insured against damage or loss. We cover your laptops, tablets and similar portable devices anywhere in the world. We also offer optional cover for precision farming equipment of a specialist nature.

Employment practices liability

Protect yourself against labour issues, such as unfair refusal to employ, and conduct relating to promotion, suspension, dismissal, discrimination and defamation. Our indemnity cover includes all costs involved in the investigation, defence and settlement and any accrued interest.

Office contents

Protect your office content (excluding electronic data-processing equipment) against loss or damage caused by fire, lightning and explosion, earthquake, storm, wind, water, hail and snow, and more. Cover can also be extended to include theft.

Fidelity insurance 

It’s not pleasant to think that your employees may commit fraud or theft, but if it does happen, make sure you’re covered. We cover compensation for financial loss due to theft of money or stock by an employee(s).

Householders

Protect the structures of your home as well as fixtures and fittings against unexpected events such as a fire, explosion, storm, flood, lightning, burglary, theft and power surges. Protection against other risks includes leak detection, subsistence and landslip cover.

Money

If you keep money on your premises or transport it from time to time, you need this cover. You can also extend cover to protect against electronic fraud, bank card theft, card cloning and skimming at an ATM.

Public liability

Protect yourself and your farm against legal liabilities for property damage or bodily injury to third parties. This can be extended to include liability for any product you have supplied, manufactured or repaired, as well as defective workmanship.

House contents

Underestimating the value of the contents of your home can be an expensive oversight. We help you get adequate cover for your home contents through expert advice and solutions that cover loss or damage caused by a fire, explosion, storm, flood, lightning, burglary, theft and a power surge.

Glass

Don’t leave yourself or your business exposed when windows, doors or such break. Our insurance includes cover for internal and external glass and building signage. We also cover you for damage to frames, burglar alarm strips, and the employment of a watchman service.

Employer’s liability

This covers any legal liability you may have for injury to employees during work.

Watercraft

We offer comprehensive insurance for watercraft such as motorboats, ski boats, jet skis and Wetbikes, including the hull, outboard motors, machinery, equipment, standard fittings and accessories.

Goods in transit

Protect your goods when on the road. We offer several options to protect you against the loss of goods in transit due to fire, collision, theft, hijacking and more. We also cover damage to pesticides, herbicides and fertiliser while being dispensed.

Umbrella liability

Top-up insurance on existing liability cover, providing cover for the excess of loss, the difference in conditions and additional risks to any underlying legal liability insurance already in place with Santam.

Personal legal liability

Cover yourself if you are legally responsible for the accidental death, illness or injury of any person who is not employed by you or a family member who doesn't live with you. Extended cover is also available to cover you wherever you are in the world.

Public liability

This covers your legal liabilities for property damage or bodily injury to third parties arising form your insurance business. We have extended this cover to include spread of fire, animals, hunter’s liability and guest houses and lodges.

Greens and irrigation systems

We offer you real peace of mind regarding pivots with cover against damage caused by fire and additional perils, including freeing, frost and change of temperature and accidental damage with indemnity based on replacement value.