Leave your agricultural insurance in our hands
Short term insurance
UNIGRO Insurance Brokers management and employees have vast knowledge and experience in all aspects of short term insurance and life insurance. Our relationships with all major insurers, along with our ability and experience in being able to view and understand risks, provide us with a competitive edge over our competitors.
Products and services include:
- Commercial, industrial, corporate and agricultural
- Personal lines
- Medical cover
- Life cover
- Risk financing advice and solutions
- Niche products such as Crop, Credit Life and Broad form Liability
- Wealth management
- Administrative/policy management and in house claims handling
Commercial, industrial, corporate and agricultural
With years of experience, we are able to assist clients in identifying potential risks and tailor make solutions, to mitigate those risks. We pride ourselves in providing quality service to not only small commercial and industrial clients but also larger commercial and corporate clients especially those involved in the agricultural sector. Our ability to issue policy documentation on site, enhances our service offering to our clients, a function endorsed by a number of major insurers.
Examples of cover being:
- Assets All Risks
- Business Interruption/Loss of Profits
- Fidelity Guarantee/Commercial Crime
- Financial/Performance Guarantees
Alternatively known as Domestic Insurance, UNIGRO Insurance Brokers have developed expertise over many years both on service and product knowledge relating to clients’ personal portfolios.
This has translated into offering our clients a competitive product at an equally competitive premium based on their loss history and lifestyle. Indemnity with regards to our motor product is on Retail Value and not Market Value in the event of a total loss, a basis of settlement often used by other service providers. Other benefits include a nil excess structure offered to retired people.
Rising interest rates, food prices, input and production costs and a decrease in the producer’s securities, makes Crop Insurance a necessity.
This product caters for not only your established farmer but also your emerging farmer who requires credit products that can be secured with crop insurance policies.
We are able to provide insurance underwritten by prudent insurers, covering hail, extended hail, wind, transit, fire, frost and multiperil. Our specialised team are available to discuss your needs with you.
Medical aid solutions
Being the preferred broker to AFGRI, UNIGRO Insurance Brokers now handles the Discovery and Thebe Med Medical schemes for and on behalf of AFGRI Operations. This approach has opened the door to all Clients in providing expert Medical Aid advice with a selection of service providers.
Life and Credit life insurance
Credit life insurance is a decreasing term policy taken out by the consumer to cover the risks of a specific debt. The benefit reduces on a yearly basis as your debt reduces and is valid for the whole loan contract period. The benefit of this type of cover is that unlike most life policies, you are not required to provide evidence of good health.
However the application for this type of cover requires that you disclose any medical conditions that you are suffering from or that you may have suffered from previously.
This cover protects your dependents from having to pay for your debt. Credit Life Insurance not only pays in the event of your death, but may cover you in the event of you becoming disabled (occupation based) leaving you medically unfit for work, in order for you to earn an income and service the debt.
UNIGRO Insurance brokers furthermore have the expertise to assist you or your business with Medical Aid Solutions, Personal Financial Planning, Risk Planning, Estate planning and Wealth Creation requirements. These services are summarised below. We would welcome a personal consultation to discuss these services and your requirements further.
Personal financial planning
Your retirement plan and ongoing financial plans are vital. We assist you with advice on financial protection, concepts and goals. We then match product and investment structures to suit your individual needs.
Risk planning is essential for all, especially those with dependents and debt obligations. We can assist in analyzing your current risk position and creating tailored Life insurance, disability insurance and dread disease insurance options that mitigate these risks and provide financial peace of mind.
This aspect is often neglected and through our network of consultants we can ensure that you have a regularly reviewed and updated estate plan.
Retirement can be costly and most often your current retirement policy will not be sufficient, this can be supplemented via wealth creation through structured cost effective investments.
The benefits of using our services
- Consolidating all your insurance requirements
- Expert advice based on your needs
- A dedicated administration team
- Assistance with regards to compliance with legislation
- Industry updates on a regular basis
We pride ourselves in
- The best advice based on your needs
- Putting our clients first
- An excellent administration team is always available to help and advice where needed
- Efficient processing
Get in touch with UNIGRO Insurance
Tel: + 27 11 063 2347
FSP No.1435 | Member of FIA
Address: 12 Byls Bridge Boulevard, Highveld Ext 73, Centurion