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Insurance for specialised risks
Insurance for agriculture
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The industry is faced with many challenges and Santam has a duty to help inspire organised agriculture and agri-businesses in South Africa. Commercial farmers will continue to be exposed to risks and it is vital they remain aware of these risks, and mitigate them as much as possible. At Santam, substantial focus is placed on illustrating the fundamentals of insurance to farmers.
Our range of flexible, comprehensive solutions are backed by in-depth research and extensive experience. We understand the challenges that fruit farmers face, allowing us to create products that help you manage risk. Farming as an industry covers a huge diversity of sectors, each with its own individual needs. We provide flexible policies which take your insurance needs into account. These include cover for pivot irrigation systems, guesthouses, to name a few.
Despite modern techniques, there are still numerous risks and challenges facing farmers and their crops. As your partner in agriculture, we understand that effective risk management is crucial. We offer more than insurance expertise – we invest in our own research into conditions affecting crops and use this knowledge to advise and create effective risk management solutions for a sustainable future. Because we understand the capital layout in planting these orchards, we also offer fire and lighting cover for fruit and nut-bearing trees (tree only, not the fruit).
The modern farmer uses sophisticated irrigation systems to water his fields. These are exposed to numerous perils and can be expensive to replace or repair. This cover offers protection against fire and accidental damage.
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.
This covers your legal liabilities for property damage or bodily injury to third parties arising from your insured business. This can be extended to include liability for any product you have supplied, manufactured or repaired, as well as defective workmanship, excluding the actual item worked on or provided.
Umbrella liability is a top-up of the existing liability cover available to farmers. It provides cover for the excess of loss, the difference in conditions and additional risks to any underlying legal liability insurance already in place, on condition that the liability insurance is with Santam.
Your vehicles are often some of the hardest workers on the farm. We cover your cars, game-drive cars, bakkies, trucks and trailers with comprehensive cover, third party, fire and theft or third party only.
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.
The machinery in your premises is exposed to all kinds of risks. 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, where machinery breakdown could lead to huge financial loss.
It is difficult to think of everything that can impact your business. Sometimes, extraordinary events occur for which there is no insurance anywhere in a policy, such as the collapse of shelving. Accidental damage provides cover for these unusual events (provided they are not insurable under another cover in the policy).
A farm consists of more than crops, including vehicles, buildings, farm implements and computer equipment. And every single item plays a vital role in keeping your farm working. We offer specialised asset insurance that is particular to your specific sector. We go beyond crop insurance and offer farmers insurance that covers property, vehicles, liability, guesthouses and much more.
Despite modern techniques, there are still numerous risks and challenges facing farmers and their crops. As your partner in agriculture, we understand that effective risk management is crucial. We offer more than crop insurance expertise; we invest in our own research into conditions affecting crops and use this knowledge to advise and create effective risk management solutions for a sustainable future.
Let’s create your perfect solution together. Contact one of our expert intermediaries to customise your cover.
Wherever you are, no matter how remote the location, you can count on the professionalism, training and speed of our 24-hour services free of charge.
Emergency evacuation and transportation by ambulance, helicopter and fixed-wing aircraft.
Access to emergency medical advice, an audio health library, general health information, a drug database, and counselling whenever you need it.
A 24-hour advice line, manned by experienced in-house attorneys – offering general legal advice, labour law advice, legal documentation, and many other forms of legal expertise.
A 24-hour service where trained nurses and paramedics take control of any medical emergencies.
Need immediate assistance?
0860 505 911
0860 247 400
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