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Farming is much more than mere land or yield. It’s a home, a way of life and a future. It deserves coverage that can adapt to change.
No two seasons are ever the same. One year the rain arrives on time; the next, late frost causes immense damage. A pump breaks, markets drop overnight or a veld fire breaks out on a dry afternoon. Farming has never been predictable.
You’ve already lived through more than just changing seasons: unending droughts, rising diesel prices that squeeze your profit margins into the red, markets shifting faster than a summer storm. And still, you keep on farming. What you’ve built is more than just land and livestock. It’s a lifestyle, a household, and what lies ahead for the next generation. It’s a legacy. It deserves coverage that understands what it truly takes to farm.
Why adaptability matters
Every day and every season bring new pressures. A dry winter can suddenly turn into floods. A promising harvest can be hit by pests or price changes even before it leaves your farm. And even when the weather – usually so unpredictable – remains stable, other challenges remain: rising input costs, safety concerns and the uncertainty of passing your farm on to the next generation.
Adaptability has always been part of farming. And today, it’s more important than ever before. It’s what enables farmers to keep going when conditions change overnight. Insurance must work in the same way. It must be flexible enough to keep pace with the farm.
One solution for the whole farm
A farm is never just one business – it’s several businesses in one. Machines must keep running; barns, equipment and fences must be maintained; herds and crops must be cared for, while the household depends on all these activities. A setback in any of these areas can impact everything else.
That’s why Old Mutual Insure designed Agriplus. It brings the entire enterprise under a single, flexible solution. Coverage for your home, vehicles, harvesters, livestock, irrigation systems and pumps, right through to liability risks. Instead of managing a whole bunch of policies, farmers have one solution tailored to their needs, allowing them to focus on their farming.
For wine producers, the AgriWine solution extends this approach even further, providing coverage for legal liability, buildings, vehicles, vines, wine tanks and specialist equipment unique to the industry. It ensures that one event doesn’t undo everything you’ve worked for.
Beyond the obvious risks
Few risks weigh more heavily on a farmer’s mind than a veld fire that spreads. You can also be held legally liable for loss or damage if a veld fire spreads from your farm to your neighbour’s property or other farms or assets. Farmworkers’ actions can also unexpectedly trigger legal liability. These realities add to the already complex task of protecting assets – as well as a way of life.
Old Mutual Insure does more than just replace physical assets. It offers coverage designed around real farming, your world and the years ahead.
Specialists who understand the land
Insurance is only effective when it works in practice. That’s why Old Mutual Insure’s agricultural specialists play a central role in their approach. Many come from farming families themselves. They understand the uncertainty of changing seasons, the pressure of rising input costs and the challenges that come with farming.
It’s this knowledge – and their passion for your world – that makes the difference, so they can offer solutions when conditions turn against you.
Cover for what you’ve built
Old Mutual Insure has stood behind South Africa’s farmers for generations with coverage for those unpredictable events and steadfast support — in both good and difficult years.
What you’ve built is worth protecting. Talk to your broker about Old Mutual Insure agricultural insurance.
Inquiries: Web: www.oldmutual.co.za
