Farming has always been more than just land or yield. It is a home, a way of life, and a future. Every sunrise on the farm carries both promise and uncertainty. No two seasons are ever alike—one year the rains may arrive just in time, while the next a late frost cuts deep. A pump may fail, markets can tumble overnight, or fire may sweep across a dry field. Farming has never been predictable, and neither should the cover that farmers depend on be rigid.
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Farmers know this firsthand. They have weathered droughts that stretched for years, fuel price hikes that squeezed margins, and markets that shifted faster than a summer storm. Yet through it all, they carried on. Adaptability is not just a useful trait in farming—it is survival. Each day brings new pressures: a dry winter might suddenly give way to flooding, a strong crop can be lost to pests, or a promising market can collapse before produce even leaves the farm. Beyond weather, there are rising costs, security concerns, and the weight of preparing to hand farms down to the next generation.
That is why adaptability in insurance matters now more than ever. Cover must be able to adjust when conditions change, moving with the farm instead of holding it back. Farming is never just one business—it is many businesses in one. Machinery must be kept in motion, herds and crops require constant care, equipment needs maintenance, and the household depends on it all. A disruption in any one of these areas ripples through the entire operation.
Recognizing this, Old Mutual Insure developed Agriplus, a single, flexible policy that brings the full farming operation under one umbrella. From the family home to vehicles, harvesters, irrigation systems, pumps, and liability risks, Agriplus provides one solution tailored to the realities of farming. Instead of juggling multiple policies, farmers can focus on what matters most—planting, harvesting, managing markets, and building for the next generation. For wine producers, Agriwine extends this protection further, offering cover for specialist equipment, trellises, wine tanks, and unique legal liability risks specific to the wine industry.
But farming’s risks extend beyond assets. Fire is one of the heaviest burdens, carrying the threat of spreading beyond one’s land and causing damage to neighbors. Workers’ actions can also trigger unexpected liability, adding to the already heavy responsibilities on farmers’ shoulders. This is why Old Mutual Insure goes beyond replacing physical assets. Their solutions are built around the real world of farming, protecting not only what exists today but also what is being built for tomorrow.
Central to this approach are specialists who understand the land because they come from it. Many of Old Mutual Insure’s agri experts have farming roots themselves. They know the stress of an unpredictable season, the rising weight of input costs, and the complex demands of compliance. More importantly, they bring passion and knowledge that ensure insurance works in practice—not just on paper.
What farmers have built is far more than fields, herds, or machinery. It is a way of life, a household, and a legacy for the next generation. Farming deserves protection that truly understands what it takes to nurture the land, withstand uncertainty, and carry a future forward.