AgNovate (Pty) Ltd is a registered
Financial Services Provider (FSP 48802)

CHANGING THE MOULD
OF TRADITIONAL INSURANCE

Agnovate builds and offers new generation crop production insurance products, covering various role players in the agricultural supply chain including primary producers as well as business clients such as financiers, input providers, processors, storage facilities etc.

The design of our alternative risk transfer solutions considers client needs, scientific risk analysis and the use of modern technology, modelled for specific geo locations.

SMI Soil Moisture Insurance

SMI provides insurance cover against a shortage of soil moisture in an index area during specific risk periods such as the planting window and the mid-summer drought period. Soil moisture is measured by satellite and modelled on an index basis. The loss calculation considers the anomaly against the norm for the risk period in the index area.

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Our Partners

Agnovate is an Underwriting Management Agency (UMA) acting on behalf of Guardrisk Ltd in a traditional insurance, reinsurance relationship facilitated by a reinsurance broker. Agnovate partnered with IQ Logistica (Pty) Ltd (IQL) to provide an integrated solution that de-risks the supply chain in three main areas namely MANAGEMENT RISK, PRODUCTION RISK and PRICE RISK.

IQ Logistica Investments

IQL reimagines relationships and interactions between farmers and their agriculture ecosystem - all in a digital environment.

Farmers Friend Platform

Founded in 2021 by IQ Logistica , Farmers Friend is a pioneering farming application that embodies our commitment to technological innovation.

Guardrisk insurance

Guardrisk, in partnership with Agnovate, has launched various Agnovate Insurance products, which are tailor-made to address the specific risks and needs of the South African farmer

Don't just take our word for it

See what people have to say about our product

SMI worked really well for us, the insurance covered the losses during the later part of the season when the rainfall decreased & dry conditions increased

Gert Smith from Smith Boerdery

The post season we experienced the worst drought in 26 years, form January to March we only received 60mm of rain. With SMI we were able to identify those critical stages. We insured accordingly and given the year that we had, we found the product to be extremely helpful. SMI is a product that is highly applicable to our enterprise, especially during those critical phases characterised by moisture shortage.

Tielman Roux from Tielman Roux