Cover for every aspect of your dairy enterprise

Like all agricultural sectors, dairy farming has its own set of challenges, including unpredictable weather, impact of load shedding and disease outbreaks. Santam provides comprehensive cover that includes protection against business interruption, deterioration of stock, and death of livestock. Helping you protect your farm and the livelihood of the community.

Recommended insurance for your dairy farm

Our years of experience give us an in-depth understanding of the agricultural industry, and then we go one step further. We work to understand the individual challenges of each specific sector so we can offer customised solutions for their unique risks.

Business all risks

Cover all your bases. This insurance provides comprehensive cover for the loss of or damage to specified equipment, such as milk bottles and contamination to own milk.

Machinery breakdown

The machinery in your premises is exposed to all kinds of risks daily. Our policy cover goes beyond fire and theft and can be extended to include accidental damage on the machinery breakdown section. This type of insurance covers not only large farms but also smaller ones.

Deterioration of stock

When machinery breaks, stock can be compromised. This covers loss of or damage to the insured milk caused by deterioration due to unforeseen, physical loss of or damage to machinery such as fridges.

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. We also offer optional cover for precision farming equipment.

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.

Goods in transit

Protect your goods when on the road. We offer several options to protect you against the loss of goods in transit. Choose the option to suit your needs, from limited cover to all risks. Cover under this section can also be extended to include your livestock.

Buildings (Combined)

Underinsured buildings remain a common but expensive insurance oversight. Our comprehensive building insurance considers all the risk scenarios your farm or buildings are exposed to, helping you find the most appropriate solution for your needs.

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.

Livestock insured

Get comprehensive insurance on an all all-risk basis for your registered stud animals, including cover against transit risk. We offer cover that can be extended to include theft, infertility, heartwater- and red water fever and more.

Cover options

Asset protection

A farm consists of more than crops, including vehicles, buildings, farm implements, and computer equipment. We go beyond crop insurance and offer farmers asset insurance that covers property, vehicles, liability, guesthouses and more.

Cover options

Crop protection

Whether big or small, your farm is your lifeblood. And the crops that grow there sustain it. As your partner in agriculture, we invest in effective risk management to help you create a sustainable future. Our vast experience, country-wide infrastructure and comprehensive offering allow us to offer you the best crop insurance for your needs.

Contact us to enquire about insurance for your dairy farm.

Get a quote

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