Tobacco Hail and Windstorm

Provides cover for the tobacco crop from three weeks after planting up to the reaping stage. The essence of the scheme is to protect the grower’s cost of production so that in the event of major damage to the crop, the compensation paid will cover the growing cost for the next season. THI's experience and efficient service delivery ensures prompt claims payment and accurate underwriting, for both commercial and small scale farmers.

Tobacco Field to Floor

Specifically this policy covers crop processing, infrastructure and transit risk to the floors hence the latest term (CIT), its designed for tobacco crop against fire and accidental damage during curing, while in the grading sheds, storage and in transit to the auction floor. Barn structures and farm buildings can also be covered against for fire and allied covers.

Comprehensive Farming Insurance

THI offers multi-peril farm insurance for implements and equipment including building structures, all crops and livestock.

Farm Worker's Accident Cover

This includes a stated benefit cover for farm employees with the given benefits per scale, when they are involved in an accidental injury (non-political and non-domestic violence) on a 12 hour cover, subject to the policy terms and conditions.