Specialised Insurance Product
Agriculture Insurance
Who It’s For: Businesses
Overview: Agriculture Insurance is a specialised solution tailored to protect farming operations, agricultural assets, and harvests from the many risks that threaten food production and agribusiness sustainability.
From unpredictable weather and natural disasters to equipment breakdowns, livestock losses, and transport risks. This cover provides critical financial security to keep agricultural operations running.
Whether you're a commercial farmer, a smallholder, or part of an export-driven agri-processing business, Agriculture Insurance ensures that your inputs, outputs, equipment, and working assets are well protected.
• Commercial and small-scale farmers
• Livestock and poultry producers
• Crop producers and horticulture growers.
• Agri-exporters and co-ops
• Agri-transporters and processing plants
• Farming equipment owners (leased or purchased)
• Crop and Grain Farming
• Livestock, Poultry & Dairy Production
• Agri-Equipment Leasing & Hire
• Horticulture and Greenhouse Farming
• Agri-Exports and Distribution
• Agricultural Transport and Logistics
Multi-Risk Crop Protection: Covers loss or damage to crops due to drought, floods, frost, pests, hail, windstorms, fire, and other natural events.
Livestock Cover: Protection against accidental death, disease outbreaks, theft, and emergency slaughter (due to veterinary recommendation).
Weather Index Cover: Uses measurable weather data (rainfall, temperature) to trigger payouts—ideal for areas prone to climate uncertainty.
Agri-Equipment Insurance: Covers tractors, harvesters, irrigation systems, and wheeled equipment (even non-motorised tools) against damage, theft, and breakdown.
Transit and Stock Cover: Protects harvested goods in storage and while in transit locally or for export.
Business Interruption: Compensation for lost income due to insured perils like crop failure or farm shutdown.
Input Investment Protection: Covers high-value seeds, fertiliser, and pesticide inventories against theft, fire, and accidental spoilage.
Third-Party Liability: Liability cover for injury or damage caused to others (e.g. neighbours, contract workers, or by equipment/machinery).
Integrated Cover Options: Available in conjunction with Engineering, Goods-in- Transit, or Fleet Insurance depending on scale and structure.
• Crop Insurance: Field crops, cash crops, orchards, and greenhouse production.
• Livestock Insurance: Cattle, sheep, pigs, goats, poultry
• Equipment & Machinery: Tractors, trailers, planters, irrigation systems
• Agri-Buildings: Barns, storage silos, greenhouses, irrigation housing
• Weather Index: Rainfall/frost-based indexed payouts
• Personal Accident for Farmworkers
• Public & Product Liability