No one understands the need for risk protection better than a farmer. Whether small and independent or a major commercial operation, the nature of agriculture means they are confronted with challenges every day, many of which are out of their control.
Unpredictable weather patterns, escalating production costs and game-changing technological advances, not to mention labour issues and security concerns, all form part of their changing risk environment. And now, with changes to the Consumer Protection Act (CPA) making farmers part of the value chain for any goods in which their product is used, contractual liability for local sales and exports has also become a concern.
As agriculture becomes progressively more sophisticated, so do the complexities of protecting against the risks involved and farmers are likely to rely more heavily on the professional analysis and insight of a trusted broker when it comes to protecting their assets. Our specialist Agricultural product provides cover for:
Legal compensation for liability due to the accidental death or injury of a third party: general, property owners’, products liability, work away, crop spraying, animals and spread of fire, with extensions for spread of fire to plantations, warehouseman liability, product recall and/or guarantee (contractual), guesthouses, fire extinguishing charges, water bombing costs and breakage of dam walls.
Livestock and pedigreed animals
Death of livestock, or pedigreed animals, due to fire, lightning, violent accident, freezing, transit or attack by a wild animal. (Plus sickness and impotence in pedigreed animals.)
Other benefits and cover offered to include:
Loss or damage to personal property (residential buildings, contents, personal effects, computers and cellphones).
Tips on taking care of what you love.