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Farming faces many challenges, get insurance that understands them all.

Santam Agriculture has over 100 years of experience, countrywide infrastructure, and a deep understanding of the complexity of the industry. This allows us to make a real difference by offering a range of insurance solutions that adequately support enhanced production and technology and help farmers and producers create a sustainable future.

The benefits of insuring your farm with us

Comprehensive cover

There’s more to farming insurance than protecting crops and assets. Our comprehensive cover also protects you from exposure to liabilities on your farms due to property damage, fire, dam wall damage, death or injuries, product liability and much more.

Specialist solutions

The agricultural industry consists of numerous sectors, each with its own specialist equipment and requirements to keep farms running. Ranging from pivot irrigation systems to livestock, our specialist products have been designed to suit all agricultural needs.

Added safety with our 24/7 SOS solutions

When you run into trouble, you need a quick, reliable response.

Asset protection

A farm consists of more than crops, including vehicles, buildings, farm implements, and computer equipment. We go beyond crop insurance and offer farmers asset insurance that covers property, vehicles, liability, guesthouses and more.

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Crop protection

Whether big or small, your farm is your lifeblood. And the crops that grow there sustain it. As your partner in agriculture, we invest in effective risk management to help you create a sustainable future. Our vast experience, country-wide infrastructure and comprehensive offering allow us to offer you the best crop insurance for your needs.

Fire insurance protection

Wildfires are a major concern in rural South Africa, threatening the financial and socio-economic well-being of farmers, communities and the agricultural sector. Santam provides fire insurance protection for farmers, as well as supports efforts to bring together research, technology and expertise to create fire-safe environments. Through our thorough understanding of the risks of wildfire, we include fire extinguishing charges as part of our offering.

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A product to meet your specific industry needs

The agricultural sector covers a varied range of industries – from fruit and poultry to game farming and wine. And so do we. We offer sector-specific insurance solutions backed by industry-related knowledge and experience, allowing us to deliver specialised insurance that meets the needs of all farmers.

Wine farming

South Africa ranks eighth among the largest wine-producing countries in the world. We have taken the time to truly understand this dynamic industry and offer wine farm solutions that provide fire cover, crop cover, extended liability, accidental loss or damage and more.

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Poultry farming

The broiler industry is South Africa’s largest individual agricultural industry, contributing about 20% to the total gross value of agricultural products. We offer broiler farmers cover for the chicks from a day old and business interruption cover following damage.

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Dairy farming

Dairy is the fifth largest agricultural sector in the industry. It's a highly competitive sector, increasingly threatened by climate conditions. Dairy relies heavily on machinery, and at Santam, we cover all your machinery, equipment and livestock.

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Game farming

Our game farms hold a special place in the hearts of South Africans. As an industry, it has unique risks and challenges, which is why Santam introduced cover that caters for the game industry specifically – covering animals, game fences and more.

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Fruit farming

More than 50% of our agricultural exports are fruit, contributing 2.5% to South Africa's GDP. Santam understands the specific needs of the industry and not only offers crop insurance, but also fire and lighting cover for fruit and nut-bearing trees as part of your asset policy.

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Grain farming

Grain is a thriving industry, contributing over R74 billion to the GDP. Santam offers cover specific to the industry and its needs - covering your silo or silo bags, combine harvester and combine head and everything in between. We also offer cover for stacked bales on the asset policy.

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Livestock farming

Livestock farming is the biggest agricultural sector in South Africa. However, the industry suffers many threats – from diseases to weather and theft. Santam offers a range of cover solutions from fire and lighting for cattle and sheep, weather and water-related perils, attacks from wild animals and more.

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24/7 Emergency agri-assistance

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. View services

Emergency medical services

Emergency evacuation and transportation by ambulance, helicopter and fixed-wing aircraft.

Personal health advisor

Access to emergency medical advice, an audio health library, general health information, a drug database, and counselling whenever you need it.

Legal assistance

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 crisis line

A 24-hour service where trained nurses and paramedics take control of any medical emergencies.

Need immediate assistance?

0860 505 911

Customise your cover

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

Help and FAQ's

General enquiries

E-mail: agriculture@santam.co.za

Contact centre details

Tel: 0860 247 400

What does the free 24-hour emergency services include?
Crisis line , Emergency medical services, Personal health advisor and Legal assistance to the insured, employee, guest or visitor on the farm
Are fire-extinguishing charges covered under Public Liability section?
With the extension: fire-extinguishing charges to prevent the spreading of fire beyond your borders to the amount of R250 000 or the amount stated in the schedule.
What cover in offered for Goods in Transit?
Goods can often be damaged or stolen while being transported, which is why we cover you against this risk. Cover for the loss of or damage to liquid pesticides, herbicides and fertiliser while being dispensed during transportation is also included. This cover can be extended for a farmer acting as a part-time transport contractor – occasionally transporting goods for a third party for compensation.

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