Agriculture Insurance

Livestock and Pedigree Animals

Covers death or destruction of livestock (including pedigree animals) from a range of extensive insurance options for the insured to choose from.

Spray Irrigation Systems on Wheels and Centre Pivots

Provides protection against loss of or damage to spray irrigation systems on wheels and centre pivots. In addition, comprehensive cover is available to protect against liability to third parties, damage to tires, wreckage removal and many other benefits.

Directors’ and Officers’ Liability

Directors and managers of companies can make mistakes that result in losses to either the company or a third party. Directors and managers are held legally liable for the decisions that they make. This section provides protection for the company and its assets, for the losses caused or defence costs, should such a loss result in legal action against the company.

Fire – Crop and Stack and Tobacco (field to floor)

Provides insurance cover for damage to crops and stacks described in the policy schedule.

Fire

This section offers insurance for buildings, rent, plant and machinery, stock and a wide variety of extensions such as capital additions, landscaping, motors and pumping equipment and water leaks/loss of water.

Buildings Combined

Provides insurance for damage to buildings, public supply connections, rent, liability, capital additions, cleaning and maintenance equipment, cost of removal of fallen or leaning trees, generator hire, landscaping, storage of contents and more.

Business Interruption

Loss of gross profits, gross rentals, revenue, the additional increase in cost of working, wages, fines and penalties for breach of contract and contractual commitments to growers in the wine-making industry.

Office Contents

Your office premises are protected against damage to contents, rent, documents, liability documents and increase in cost of working.

Accounts Receivable

Provides protection for loss or damage to books of account or other business books or records.

Glass

Includes cover for loss of or damage to internal and external glass (including mirrors) and sign-written glass. Cover may include costs relating to the boarding-up of windows, burglar alarm strips, wires, vibrators, watchmen, removal and reinstallation of fixtures and fittings.

Fidelity Guarantee

Provides protection against loss of money, property and/or direct financial loss sustained by the insured, because of the fraud or dishonesty by an insured employee, including costs of recovery from the employee. It also covers computer losses.

Theft

This extensive coverage protects against loss or damage to all contents following visible signs of physical damage because of the forcible and violent entry into, or exit from, the insured building. Insurance under this section can also include cover for damage to the building, including landlord’s fixtures and fittings.

Money

Offers protection to the money held on your premises, including whilst in transit to and from the bank. In addition, up to certain limits, we cover loss or damage to receptacles such as cash registers, safes and even strong rooms, as well as personal accident assault up to certain limits.

Goods in Transit

Insures loss or damage to goods during transit from a range of extensive insurance options for the insured to choose from.

Business All Risks

Covers loss or damage to the whole or part of the insured property whilst anywhere in the world. Insured property being tools, two-way radios, camera equipment and similar items.

Accidental Damage (other than wine)

Provides cover for accidental physical loss of or damage to the insured property at the premises if this property is not, or cannot, be insured under another section of the policy.

Accidental Damage (wine)

Provides cover for accidental physical loss of or damage to wine and related products only as long as this property is not, or cannot, be insured under another section of the policy.

Group Personal Accident/Stated Benefits

Provides compensation to an insured person who sustains bodily injury which, directly and independently of any other cause, results in death, disability or the incurring of medical expenses. Compensation is based either on fixed amounts or amounts based on the insured person’s annual compensation.

Motor

Provides protection against loss of or damage to vehicles, including motor cars, light delivery vehicles, trailers, buses, caravans, motorcycles and forklifts. In addition, comprehensive cover is available to protect against medical expenses following a motor vehicle accident, wreckage removal, loss of fuel, passenger liability, contingent liability, third-party cover and many other benefits.

Combined Liability

Cover for instances where the insured is legally liable to pay in respect of bodily injury or loss of or damage to property, including claimants’ costs and expenses in connection with your farming activities.

Employers Liability

Covers damages which the insured is legally liable to pay upon death or bodily injury to, or illness of, any person employed under a contract of service or apprenticeship with the insured.

Cyber

Provides cover for cyber-related events such as cyber liability, crisis management expenses and notification expenses, first-party expenses, cyber extortion and digital media liability.

Electronic Equipment

Cover is available for electronic equipment, such as desktop computers, printers, modems, scanners, as well as portable equipment, such as laptops and notebooks.

Machinery Breakdown

Provides cover for any unforeseen and sudden physical damage to machinery owned by the insured and situated at the insured premises.

Business Interruption (Machinery Breakdown)

Covers loss of gross profits and revenue provided that the insured first sustains a loss that is covered under the Machinery Breakdown section.

Deterioration of Stock (Machinery Breakdown)

Cover that protects against financial losses due to the deterioration or spoilage of goods or inventory following a loss covered under the Machinery Breakdown section.

Personal Assets

A range of personal insurance options that allow farmers to protect their personal assets under the following sections:
 

•  Houseowners
• Householders
• Personal All Risks
• Personal Accident
• Motorboats, yachts and small crafts
• Personal Liability
• Extended Personal Liability