Protect the assets of your farm, as well as the livestock or game on it. Under our livestock and game section, we provide cover against the death of the insured animal against fire. We also offer cover for assets such as fencing and gates, buildings and structures, and other goods and equipment, including plastic tunnels, greenhouses, shade net constructions, pivots and poultry, silo bags, bunkers and farmworker’s houses and contents.

Extinguishing a fire on your property can incur huge costs and involve expensive measures, including water bombing by air. Under various sections of the policy will we indemnify farmers against reasonable fire extinguishing costs if your own property is threatened by fire. The Spread of Fire extension on Santam’s Public Liability section also protects you should the fire spread and you become liable to pay for damages to neighbouring property.

Your farm is part of a broader community – when a wildfire breaks out on your property, your neighbours could also be affected. Under our public liability cover, we provide cover against damage should a farmer become legally liable for a fire that starts on their property and spreads and causes damage to neighbouring farms.

A community that works together, thrives together. Fire Protection Associations (FPAs) are community-based landowner organisations set up to help predict, prevent, manage and extinguish veld, forest and mountain fires. Effective management of veldfires requires organisational structure, strategy, plans, information, networks, skills and equipment that can seldom be provided by a landowner alone. For this reason, Santam encourages clients to become members of registered Fire Protection Associations (FPAs). As an incentive, Santam rewards member clients with more competitive insurance premiums and excess incentives. Farmers belonging to an FPA are also in a much better position to manage fires, which significantly reduces the risk for the farmer and Santam.