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Agriculture insurance

You work in agriculture, we’ll cover your risks.

In a nutshell

The agricultural market in South Africa is a vital market segment for our country. It’s obvious from the numbers alone, which show that agriculture contributes +/- 10% of formal employment and around 3% of the nation’s GDP. We’re 1 of the world’s largest producers of chicory roots, grapefruit, cereals, maize, castor oil seed, pears, sisal, and fibre crops. Our dairy industry consists of over 4,300 milk producers, which provides employment for 60,000+ farm workers and contributes to the livelihood of 40,000 others.

You own it, we’ll cover it.


Key benefits

  • We provide specialist agricultural cover for all farmers’ vehicles, implements & property for both personal & business assets all under 1 policy.
  • Motor premiums that decrease monthly, as the value of your motor depreciates.


Target market

  • Agricultural industry e.g. exporters, importers, packers & product specialists.
  • Bona fide farmers.
  • Commercial farmers.
  • Land owners (Redrope) & co-operatives (co-ops).

Agriculture cover

Buy the best cover in town, when you join our royal family.


  • Accumulation of stocks.
  • Architects, other professional fees.
  • Capital additions.
  • Deterioration of foodstuffs.
  • Disposal of salvage.
  • Fire extinguishing charges.
  • General liabilities.
  • Hire purchase & finance agreements.
  • Labourers, contractors & employees omissions.
  • Loss of water.
  • Malicious damage.
  • New & additional premises.
  • Power surges & lightning strikes.
  • Prevention of access.
  • Property temporarily removed.
  • Removal of trees.
  • Security costs.
  • Spread of fire.
  • Standby machinery.
  • Tyre damage (agricultural tractors, harvesters & agricultural implements).
  • Vehicle loads.
  • Water heating systems & pressurised pipes.
  • Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included).
  • Business all risks.
  • Car hire.
  • Contamination & pollution of wine stock.
  • Defective workmanship.
  • Fences.
  • Goods in the open.
  • Goods in transit.
  • Irrigation systems & centre pivots above ground.
  • Loss of rent.
  • Machinery breakdown: Business Interruption.
  • Machinery breakdown: Deterioration of stock.
  • Machinery breakdown.
  • Motor: Passenger liability/unauthorised passenger liability.
  • Motor: Specified or fleet basis (deposit premium options).
  • Personal accident & stated benefits.
  • Products liability.
  • Riots & strikes.
  • Specified & unspecified suppliers, customers & sub-contractors.
  • Subsidence & landslip.
  • Theft with & without forcible or violent entry/exit.