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Insure more than crops – insure fixed and movable assets on your farm

At Santam, we use our expertise and know-how to 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. Whether you’re in wine, game, dairy, livestock or other sectors, you will find expert asset insurance for your farm to protect your business and livelihood.

The benefits of insuring your assets with us

Flexible policies

Flexibility means being able to make your cover work for your individual needs. Our policies offer flexibility for all your insurance requirements. Need specific cover? Add it on. Our range of extras covers guesthouses, transported goods, 4x4s and more.

Insurance for all your electronic equipment

A modern farm can’t function without a range of electronic equipment to track, organise and manage daily activities. Our specialist risk solutions cover laptops, tablets or similar equipment designed to be carried by a person.

Comprehensive insurance for farm vehicles 

We offer all the benefits of standard vehicle cover and more. Farm equipment can take a beating, and we deliver specialist protection against damage to tyres of tractors, harvesters and agricultural implements, up to R30 000 free of charge.

Choose the type of cover that you need

We pride ourselves on our flexible, practical cover solutions that you can tailor to suit your needs. Our expertise in the agricultural sector means that we understand the trials and risks that farmers and producers face, and our response is our range of innovative options.

Property insurance

Enjoy the peace of mind that comes from knowing your property is fully protected. We provide insurance for your farm’s fixed and moveable assets, including cover for the theft of electricity cables or water pipes, pumps on riverbanks against storm damage, and damage to other property you are legally liable for.

Vehicle insurance

We cover your cars, bakkies, trucks, trailers, tractors, combines and farm implements with comprehensive cover, third party, fire and theft. Our comprehensive cover offers additional benefits of car repairs up to R5 000, automatically included contingent liability, cover for damage to tyres of agricultural tractors, harvesters and agricultural implements, and more.

Liability insurance

We cover you for hunter's liability, warehouseman's liability, employment practices liability, umbrella liability, liability as a result of your animals, fire spreading from your farm or a product you provide, and liability as a result of a dam wall breaking or overflowing.

Other cover options

We provide flexible policies which take your insurance needs into account and allow you to add options onto your cover. These include cover for goods being transported, accidental damage cover for pivot irrigation systems, guesthouses, watercraft, vine insurance, death of livestock, to name a few.

Find the insurance that best suits you

Our experienced and knowledgeable intermediaries will help you choose the right cover and any additional add-ons that you need.


Protect your business with cover that includes, amongst other risks, loss of locks and keys, security costs, and removal of fallen trees. Depending on your needs, we also offer specific cover for silo bags and bunkers, damage to fruit and nut tree orchards, and more.

Business all risks

Cover all your bases, wherever your equipment is. This insurance provides comprehensive cover for the loss of or damage to specified equipment as a result of any accident or misfortune.

Group personal accidents

Protect your employees and get compensation for any accidental bodily injury they suffer on the job. Standard cover is for death, permanent disability, temporary total disablement, and limited medical expenses.

Buildings (Combined)

Santam offers cover for buildings such as guesthouses on your farm, protecting them against fire, lightning and explosion, earthquake, storm, wind, water, hail and snow, and more. Your cover can be extended to cover losses caused by theft of fixtures and fittings, as well as legal liability.

Accidental damage

Accidents happen, and as a farmer, it's hard to predict what will impact your farm and livelihood. Accidental damage cover covers you when the unexpected happens.


Choose comprehensive motor vehicle cover, providing protection against all risks, or for a lower premium, choose third-party liability, fire and theft only. There is also the option to select third-party liability cover only.


Protect your property, such as buildings, plants, machinery and stock, against damage caused by fire, lightning and explosion, earthquakes, storm, wind, water, hail and snow, impact by a vehicle or an aircraft, and a power surge.

Machinery breakdown

The machinery in your premises is exposed to all kinds of risks on a daily basis. 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.


Get comprehensive insurance on an all-risk basis for your stud animals, including cover against transit risks, theft and infertility, among other risks. We also provide limited cover for your herd, including fire and lightning. This can be extended to include accidental injury like attacks by dogs and wild animals.

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 – helping to keep your farm in business.

Deterioration of stock

When machinery breaks, stock can be compromised. Protect your investment with cover for refrigerated stock.


Owning a game farm comes with very specific risks. Our game insurance covers the Big 5, buffalo younger than 15 years, sable and other game. We also offer protection against fire, lightning and chemical immobilisation. Santam Marine offers cover for auction and transit, with optional cover for offloading.


Unfortunately, crime is a fact of life. We’ve got you covered if you suffer a loss due to theft following forcible entry into a building on your premises.

Electronic equipment

Electronic equipment is an integral part of your business and should be properly insured against damage or loss. We cover your laptops, tablets and similar portable devices anywhere in the world. We also offer optional cover for precision farming equipment of a specialist nature.

Employment practices liability

Protect yourself against labour issues, such as unfair refusal to employ, and conduct relating to promotion, suspension, dismissal, discrimination and defamation. Our indemnity cover includes all costs involved in the investigation, defence and settlement and any accrued interest.

Office contents

Protect your office content (excluding electronic data-processing equipment) against loss or damage caused by fire, lightning and explosion, earthquake, storm, wind, water, hail and snow, and more. Cover can also be extended to include theft.

Fidelity insurance 

It’s not pleasant to think that your employees may commit fraud or theft, but if it does happen, make sure you’re covered. We cover compensation for financial loss due to theft of money or stock by an employee(s).


Protect the structures of your home as well as fixtures and fittings against unexpected events such as a fire, explosion, storm, flood, lightning, burglary, theft and power surges. Protection against other risks includes leak detection, subsistence and landslip cover.


If you keep money on your premises or transport it from time to time, you need this cover. You can also extend cover to protect against electronic fraud, bank card theft, card cloning and skimming at an ATM.

Public liability

Protect yourself and your farm against legal liabilities for property damage or bodily injury to third parties. This can be extended to include liability for any product you have supplied, manufactured or repaired, as well as defective workmanship.

House contents

Underestimating the value of the contents of your home can be an expensive oversight. We help you get adequate cover for your home contents through expert advice and solutions that cover loss or damage caused by a fire, explosion, storm, flood, lightning, burglary, theft and a power surge.


Don’t leave yourself or your business exposed when windows, doors or such break. Our insurance includes cover for internal and external glass and building signage. We also cover you for damage to frames, burglar alarm strips, and the employment of a watchman service.

Employer’s liability

This covers any legal liability you may have for injury to employees during work.


We offer comprehensive insurance for watercraft such as motorboats, ski boats, jet skis and Wetbikes, including the hull, outboard motors, machinery, equipment, standard fittings and accessories.

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.

Umbrella liability

Top-up insurance on existing liability cover, providing cover for the excess of loss, the difference in conditions and additional risks to any underlying legal liability insurance already in place with Santam.

Personal legal liability

Cover yourself if you are legally responsible for the accidental death, illness or injury of any person who is not employed by you or a family member who doesn't live with you. Extended cover is also available to cover you wherever you are in the world.

Customise your cover

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

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

Help and FAQ's

General enquiries


Contact centre details

Tel: 0860 247 400

What is covered under electronic equipment section?
Computers and other electronic equipment are an integral part of your business and should therefore be properly insured against damage or loss. Precision farming equipment, on and off the farm, and vehicles of a specialist nature are also covered under this section.
Santam now also offers cover for buildings like guesthouses and cottages on a farm.
Additional extensions for guesthouses and lodges include cover for contingent business interruption, loss of key tourist attractions and loss of game.
Are fire-extinguishing charges covered under public liability section?
It is included 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.

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