We’ve got you covered, lock, stock and wine barrels

At Santam, we have taken the time to truly understand this important and dynamic industry and offer insurance solutions for wine farms that cover a wide range of risks. Santam is the leading crop insurer in South Africa, with a market share of over 50% and over 100 years’ experience. Between our crop cover and asset cover policies, we help you manage risk so you can concentrate on building your business.

Recommended cover for your wine farm

We pride ourselves on our flexible, comprehensive range of cover solutions. Our expertise in the agricultural sector means that we understand the challenges that wine farmers face, allowing us to help you manage risk.

Crop insurance

With our extensive knowledge and experience in the industry, we are leaders in crop insurance providing innovative risk management solutions for your wine farm and related products.

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. This cover can also be extended to include plant material.

Accidental loss

Some risks are not easy to predict. Our comprehensive cover ensures you are protected when accidental loss or damage occurs to your wine and related products, wine barrels and tanks, catwalks and machinery.

Other cover options

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, and allow you to add options onto your cover. These include cover for pivot irrigation systems, guesthouses, vine insurance, to name a few.


Protect your property and your vineyards. We provide owners of wine farms with extensive fire cover that, among other things, protects trellis, upright and plant material.

Extended liability insurance

In a challenging business environment, the last thing you need is to be burdened with the costs related to risks associated with your products. Our extended liability insurance covers your products with products guarantee and products recall cover.

Vehicle insurance

Your vehicles are often some of the hardest workers on the farm. We cover your cars, bakkies, trucks, trailers, tractors, combines and farm implements 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 daily. 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.

Asset insurance

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.


Contact us for wine farm insurance

Let’s create your perfect solution together. Contact one of our expert intermediaries to customise your cover.

Get a quote

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