To fully understand the conditions that crops experience, Santam Agriculture established a research farm in Mooihoek near Bloemfontein – the first and only South African insurer to do so. The scientific research done in conjunction with other agriculture business research partners provides us with invaluable information about the potential damage to crops at various growth stages. The effect of hail damage on crops is a specific study we undertake and demonstrates how our commitment to insight and innovation adds value for farmers and producers.