Recommended insurance for your fruit farm

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.

Crop

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).

Irrigation systems

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.

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.

Public liability

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

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.

Vehicle insurance

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. 

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.

Machinery breakdown

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. 

Accidental damage

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).