Farming and the carrying of farming related risks are not for the faint hearted. It is therefore incredibly important that there is an understanding of the industry. Farming and related activities have very unique and specific risk exposures not catered for in a traditional Commercial Insurance policy. Western has developed a tailored product specifically designed for this industry. Allowing your advisor to look at the risk assumptions of your agri-operation, and ensuring the correct type of product is selected for these risks, will provide you, the farm owner, with the peace of  mind required to ensure the smooth continued operation of your business.

Features and benefits

Providing cover for the specific and unique requirements of the Agricultural industry including the personal effects of the owner. The product has been packaged with a number of inclusive extensions and also offers a range of additional “optional extensions”. In addition to the standard multiperil sections, Agri business does have unique exposures related to the additional sections of cover mentioned here. All of which are available in our product.

  • Electronic Equipment
  • Machinery Breakdown
  • Machinery Breakdown Loss of Profits
  • Home Owners
  • House Holders
  • All Risk
  • Personal Liability
  • Full Top Up liability
  • Small Craft
  • Subsidence and landslip
  • Leakage extension
  • Spontaneous combustion
  • Accidental damage to geysers (buildings combined & office contents)
  • Liability related to: spread of fire, food and drink
  • Liability related to: bursting and overflowing of dams
  • Guest house liability extension
  • Guest house extension
    • Leakage water and/or oil and damage to apparatus - R5000
    • Accidental damage to borehole & pool pumps, gate & garage motors - R5000
    • Accidental damage to glass, mirrors, baths, signs - R5000
    • Fire extinguisher leakage
    • Failure or electrical supply
    • Deterioration of stock - R5000
    • Malicious damage
  • Malicious damage to buildings following theft
  • Livestock and game – fire and lightning only
  • Goods in transit in respect of live stock
  • Loss of profits following accidental damage
  • Motor extends to special types i.e. game viewing and commercial hunting vehicles
  • Motor may extend to agricultural implements
  • Gardens and water features (buildings combined) - R5000
  • Water leakage (buildings combined) - R5000
  • Special provision for (fire)
    • Hail & shade nets, plastic tunnels
    • Paddock & boundary fences (fire & lightning only)
    • Poultry
  • Security costs (fire) - R5000
  • Locks and keys (buildings combined, money & motor) - R5 000
  • Accidental damage to public supply connections
  • Accidental damage to geysers, water apparatus and water pipes (fire)
  • Legal liability related to droving escaping and stray animals - R100 000
  • Legal liability for livestock not belonging to the insured - R100 000
  • Legal liability extends to game shows and auctions
  • Legal costs related to crop spraying - R100 000
  • Products liability - R100 000
  • Repatriation, bereavement - R5000
  • Mobility costs (PA & SB)
  • Contingent liability - R1 000 000
  • Unauthorised passenger liabiliy - R1 000 000
  • Passenger liability - R2 500 000
  • Windscreen, headlamp and tail light glass
  • Wreckage removal - R5000
  • Credit shortfall
  • Emergency accommodation - R3000
  • Damage to tyres (tractors and agricultural equipment) - R5 000
  • Cover advantages – R20 000 000
  • Can be extended to included:
    • Products
    • Crop spraying (excluding aerial spraying)
    • Spread of fire
    • Motor third party liability