Tailored Agriculture Insurance for the South African Farmers
In the agricultural industry, your assets are more than just property—they are the backbone of your livelihood. Whether you manage a dairy farm, vineyard, wine farm, plantation, or orchard, protecting these valuable assets against potential risks is crucial. At SBS, we are your trusted Specialised Insurance Brokers, offering tailored insurance solutions specifically designed for the diverse needs of the agricultural sector. Our Agriculture Insurance solutions provide comprehensive coverage, ensuring that every aspect of your farm or agricultural business is fully protected.
Farm Insurance
Insurance for Dairy Farms
Vineyard and Wine Farm Insurance
Plantation and Orchard Insurance
In addition to protecting your assets and livestock, it’s important to safeguard the assets that make your agricultural operation possible. SBS offers Asset Insurance as part of our comprehensive Agriculture Insurance solutions. This coverage includes protection for farm equipment, buildings, and other valuable assets, ensuring that your entire operation is secure.
Don’t leave your farm or agricultural operation unprotected. Whether you’re managing a dairy farm, vineyard, or plantation, SBS is here to provide the comprehensive Agriculture Insurance solutions you need. Contact us today to explore the best insurance options for your business.
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Our list of Insurance Solutions
Your Trusted Agricultural Insurance Advisor
Your Agriculture and Farm Insurance Questions Answered
A truly comprehensive Agriculture Insurance policy is a portfolio of different covers tailored to your specific operation. It typically combines:
Property Cover: For buildings, fences, and infrastructure.
Asset Protection: For machinery, irrigation systems, and vehicles.
Livestock Insurance: Against risks like theft, illness, and accidents.
Public Liability: To protect you from third-party claims.
Business Interruption: To protect your income after a major insured event.
Crop Insurance: To protect your harvest.
Farming is not a standard business, and a generic insurance policy will always have dangerous gaps. A specialised broker understands the unique challenges of the agricultural sector—from the specific risks faced by a wine farm in the Cape to a maize operation in the Free State. We have access to specialist insurers and can craft a truly tailored Agriculture Insurance policy that accurately covers your unique equipment, livestock, and crops, ensuring your livelihood is properly protected through every season.
No, but it’s highly recommended. Without proper cover, a single setback could derail your entire business.
No, but it’s highly recommended. Without proper cover, a single setback could derail your entire business.
We understand that a dairy operation is a complex, high-value business with unique risks. Our tailored Agriculture Insurance for dairy farms goes beyond standard cover to protect the specific assets that drive your profitability. This includes:
Specialised Equipment Cover: Protection for critical machinery like milking parlours, cooling tanks, and pasteurisation equipment against breakdown.
Product Spoilage: Cover for the loss of milk if it spoils due to an insured event, such as a power outage or the mechanical failure of a cooling tank.
Livestock Insurance: Comprehensive cover for your dairy herd against death from accident, illness, or disease, protecting the core of your income-producing assets.
We structure your policy to ensure that from the parlour to the product, your dairy operation is secure.
Yes, both herd-level and high-value individual animal cover is available.
We understand that some animals are more valuable than others. While we provide general cover for your entire herd against risks like disease, theft, or fire, we can also arrange specialised “All Risks of Mortality” cover for individual, high-value animals. This is essential for protecting prize-winning bulls, top-producing dairy cows, or valuable breeding stock where the loss of a single animal represents a significant financial impact.
It can. Let us know if you host visitors or run tastings so we can include appropriate liability cover.
Standard farm insurance is designed to cover your agricultural operations and property, not the unique public liability risks associated with inviting guests onto your premises. If you are running a farm stall, offering tours, or hosting events, you introduce new risks like slip-and-fall injuries or product liability. It is crucial to inform us about these activities so we can extend your Agriculture Insurance to include the specific Public Liability cover needed to protect your business from claims made by visitors.
Absolutely. SBS brokers offer flexible reviews to align your policy with seasonal production or expansion.
