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As a farmer, you understand the importance of your employees. They are the backbone of your farm, working to ensure that your farm operates well. But have you considered the risks of having uninsured employees? The truth is, uninsured employees can pose risks and weigh heavily on your mind when the unexpected happens.

Financial risks

When an uninsured employee or their family member passes away or becomes disabled, the financial burden of funeral expenses and other costs can fall squarely on the farmer’s shoulders. This can be a significant financial blow, especially for small-scale farmers who may not have the resources to absorb such costs.

Productivity risks

In addition, the loss of an employee can lead to decreased productivity and efficiency, as well as low morale among employees, further exacerbating the financial strain. Replacing an experienced employee can be a long and costly process, leading to further financial losses.

The solution

So, what can farmers do to mitigate these risks? The answer is simple: provide affordable life, disability and funeral cover for your employees. This not only demonstrates your commitment to their well-being but also protects your farm from financial and other risks associated with uninsured employees.


In conclusion, uninsured employees can pose significant risks to farmers, but there is a simple solution to these problems. By providing life, disability and funeral cover, farmers can mitigate these risks and ensure that their employees and their families are protected in the event of disaster. Don’t wait until it’s too late – take action today and protect your farm and your employees.

Simply Staff Cover provides an easy and simple process to sign up your staff – it can take just 10 minutes online – and your staff are instantly covered. It’s affordable – from R10pp pm – and you can choose which benefits you’d like to add, and how much of each, depending on affordability: life cover, occupational disability cover, and funeral cover. Simply also includes a wellness product bundled into the Staff cover offering – this provides employees and their family members with 24/7 access to counselling for trauma or mental health issues. Costs can be absorbed by the employer, or passed on to farmworkers. Typically, this kind of financial support is well received by employees, who feel that their employer is taking care of them, and interested in the financial security of their families.

You can protect yourself and your own peace of mind, as well as take care of your employees, in just 10 minutes online at www.simply.co.za. Or give us a call and we’ll help you through the process. Your broker can also help you purchase this product. There really is no reason not to get Simply Staff Cover for your employees today. Whether you have just five employees or over 1000, Simply Staff Cover is made for you.

T&Cs apply. Simply is a licensed FSP 47146. Products are underwritten by Old Mutual Alternative Risk Transfer Ltd


By Editor

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