No two seasons are ever the same. One year the rains arrive on time, the next a late frost cuts deep. A pump breaks down, a market dips overnight, or a fire takes hold on a dry afternoon. Farming has never been predictable, and neither has the cover that farmers need to rely on.

You’ve lived through more than just changing seasons: droughts that stretched on, diesel hikes that pushed margins to the edge, markets that shifted faster than a summer storm. Through it all, you kept farming.

What you’ve built is far more than land and livestock. It is a way of life, a household and what lies ahead for the next generation. It is a legacy. It deserves cover that understands what farming really takes.

Why adaptability matters now

Every day and every season bring new pressures. A dry winter can turn into sudden flooding. A promising crop can be hit by pests or price swings before it even leaves your farm.

And even when the weather, usually so unpredictable, holds steady, there are other challenges: rising input costs, security concerns and the uncertainty of passing farms down to the next generation.

Today, adaptability matters more than ever. It is what allows farmers to carry on when conditions change overnight. Insurance should work the same way. It should be flexible enough to move with the farm instead of holding it back.

One solution

A farm is never one business. It is many businesses in one. Machinery must keep running; sheds, equipment and fences need upkeep; herds and crops require care; and the household depends on it all. A setback in any one of these areas can ripple through everything else.

That is why Old Mutual Insure created Agriplus. It brings the full operation under a single, flexible policy.

The same cover that includes the family home also insures vehicles, harvesters, irrigation systems, pumps and liability risks.Instead of managing a stack of policies, farmers have one solution designed to adapt to their needs so they can focus on their farming business, with its planting and harvesting, managing markets and preparing for the next generation.

For wine producers, Agriwine extends this approach even further, covering your legal liability risks, buildings, vehicles, trellises, wine tanks and specialist equipment unique to the industry. It ensures one event cannot undo everything you’ve worked for.

Beyond the obvious risks

Few risks weigh heavier on farmers than fire. Legal liability may fall on you for damage beyond your own land if a blaze spreads from your farm to a neighbour’s property.

Workers’ actions can also trigger unexpected legal liability. These realities add to the already heavy task of safeguarding both assets and a way of life.

Old Mutual Insure goes further than simply replacing physical assets, offering cover designed around real farming, your world and the years to come.

Specialists who know the land

Insurance only matters when it works in practice. This is why Old Mutual Insure’s agri specialists are central to its approach. Many come from farming families themselves. They know the uncertainty of a changing season, the pressure of rising input costs and the complexity of compliance.

It’s that knowledge, and their passion for your world, that make the difference, with solutions that hold steady when conditions turn against you.

Cover for what you’ve built

A farm is never just a piece of land. It is a workplace, a home and, for many, a legacy to hand down.

The right cover ensures that years of work are not undone by a single event.

Old Mutual Insure has stood with South African farmers for generations, offering cover when the unexpected happens and support that stays firm in both good years and difficult ones.

You’ve built something worth protecting. Speak to your broker about Old Mutual Insure Agri Insurance.