Agriculture Insurance
Cover for crops, livestock and greenhouses — including weather-index cover that pays out when drought or excess rain hits.
- Crop & livestock
- Weather-index cover
- Agribusiness assets
All Services
Specialized Covers
Workplace Injury Cover (WIBA)
Statutory Cover For Your Team
Most jurisdictions require employers to insure their staff against work-related injury or death. We arrange compliant workplace injury cover (locally known as WIBA) that is fast to onboard and priced by industry class — from low-risk offices to high-risk manufacturing and construction sites.
What's Covered
Coverage that pays out when it matters
Every workplace injury cover (wiba) policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Medical expenses following workplace injury
- Temporary total disability (loss of income)
- Permanent total or partial disability
- Death benefit to dependants
- Funeral expenses
- Occupational disease cover
- Common law liability extension (optional)
Who It's For
Built for people like you
Any employer (typically statutory)
Manufacturers and construction firms
Logistics and warehousing companies
Hospitality and retail employers
FAQ
Quick answers
Is WIBA the same as group personal accident?+
No. WIBA covers work-related incidents only and is statutory. Group Personal Accident (GPA) covers employees 24/7 (on- and off-duty) and is often bought alongside WIBA.
How is the premium calculated?+
As a percentage of your annual payroll, based on industry class. Office-based staff attract lower rates; construction and factory workers attract higher rates.
You may also need
Other specialized covers we arrange
Contractors All Risk
Full-site cover for contractors: physical damage to works, machinery breakdown, and third-party liability throughout the build.
- Works & materials
- Plant & equipment
- Third-party liability
Professional Indemnity
For consultants, engineers, doctors and advisors — protection against claims of negligence, errors or bad advice.
- Consultants & advisors
- Legal defence
- Regulatory compliance
Begin a conversation
Ready to be advised? A first conversation takes five minutes.
Independent counsel, arranged by an advisor who answers by name.