Fire

Protect your property for example:

Buildings, Plant, Machinery, and stock against damage caused by

• Fire, lighting, and explosion,
• Earthquakes, storm, wind, water, hail, and snow.
• Incidents by a vehicle or an aircraft
• and power surge

Buildings Combined

Protect the buildings against damage caused by:

Fire, Lighting, and explosion.

Earthquakes, storm, wind, water, hail, and snow.

Incidents by a vehicle or an aircraft.

Business Interruption

In the event of a certain insured events, you as a farmer may not be able to generate an income at the same level as prior to the loss.

Loss of net profit,

Fixed costs that prevent, reduce or interrupt trade of business.

Theft

Covers loss of /or damage to contents because of theft following forcible and violent entry into a building on your premises.

Office Contents

Protect your office contents (tables, chairs, etc) against loss or damage to:

Fire, Lighting, and Explosion,

Earthquakes, storm, wind, water, hail, and snow

Incidents by a vehicle or an aircraft

 

This cover can be extended to insure loss of documents and legal liability to third parties.

Money

As a farmer you keep money on your premises or transport it from time to time. This cover can provide you with electronic fraud, theft of a bank card, card cloning and skimming at an ATM.

Glass

Accidental breakage of glass in windows or doors is inconvenient and leaves your property exposed.

Cover includes Internal and external glass and building signage

Extended cover:

Damage to frames

Burglar alarm strips

Goods in Transit

Goods can be damaged or stolen while being transported. Cover for the loss of or damage to pesticides, herbicides and fertiliser while being dispensed during transportation is also included.

Limited – Fire, explosion and overturning of the vehicle.

Theft following a fire, explosion, collision or overturning of the vehicle.

Hijacking of the vehicle

All risk

Business All Risk

Comprehensive cover for the loss of or damage to specified equipment as a result of any as a result of any accident or misfortune not otherwise excluded, with the following options

Anywhere in world

Contained in any building or

In a specific building

Extended cover

Eskom transformers

Nitrogen insemination flasks and semen

Contamination of own milk

Water pipes and electric cables of irrigation systems

Accidental Damage

Accidental damage insurance provides cover for the unusual events – they are not insurable under another cover in the policy

Fidelity Insurance – Theft by employees

Includes compensation for financial loss because of theft of money or stock by an employee or employees.

Public liability

Extended cover you may require:

Silo bags and bunkers

Damage to orchards

Tunnel, greenhouse, and shade net construction

Damage to vines, with extended liability protection

Accidental damage to wine, wine tanks and related property

Damage to trellises, uprights and fences, including labour, fertiliser, materials and disease and pest prevention methods

Exotic birds, rabbits, and bees,

Geysers, water containers, water tanks, water apparatus and water pipes.