Protect your agricultural business and investments
Your agricultural business and everything you invest in it deserve protection tailored to your needs.
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INSURANCE
Insurance for agricultural businesses
Top Agricole is a Belgian-law building and contents fire insurance policy from AG SA, distributed by BNP Paribas Fortis SA.
The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it.
Tailored to the agricultural sector
Are you running an agricultural business in which you and your loved ones invest unlimited amounts of time and energy? If you are, then protect yourself from unexpected events that could damage your farm, such as fires, floods, water damage and storms. Top Agricole insurance is tailored to the specific features of agricultural businesses, horticultural businesses and livestock farms. It covers both your home and agricultural buildings – stables, barns, silos etc. – as well as your agricultural machinery, crops, livestock and production.
Transparency and security
The comprehensive nature of the policy means that you avoid unpleasant surprises. Even if the cause of the claim is not clearly established, the damage is almost always covered.
Livestock and production cover
Your agricultural buildings, their contents, your equipment and machinery are covered, as well as your livestock, crops and all your agricultural production.
Within the business and beyond
Do you temporarily store your agricultural machinery, livestock or agricultural products in a building or silo that’s not on your farm? Your insurance protects you everywhere in the world!
Sufficient compensation
In most cases, you’re fully compensated for the damage you suffer.
EcoBonus: 10% discount
Is the building you’re insuring equipped with solar panels, a heat pump or a domestic wind turbine, or does it have a green energy certificate? To encourage sustainable buildings, we grant a 10% discount on all Top Agricole premiums for the entire duration of your policy if you take out a new policy before 31 December 2024*.
* This discount is granted for any new Top Agricole insurance policy relating to a building equipped with solar panels, a heat pump or a domestic wind turbine, or with a green energy certificate (PEB, EPC, EPB: A+, A or B in Wallonia and Flanders, and A, B or C in Brussels), or for adjustments to an existing policy that involves a repricing (in case of a modification to the building, for example). The discount is also granted if the customer commits to complying with the applicable terms and conditions within one year. The discount is valid on all Top Agricole premiums for the full duration of the policy.
The extent of your cover
Main risks covered
damage to your buildings, their contents, machinery and agricultural products, in the event of fire, explosion or implosion, lightning, storm, hail, snow pressure, water damage, damage caused by heating oil etc.
breakage of glass, including in relation to solar panels
damage to your building in the event of theft or vandalism
your liability in the event of damage to neighbouring buildings or third parties that is covered by the policy. The damage must result from harm that you have suffered and that is also covered by the policy
Main exclusions
damage to dilapidated or condemned buildings
damage to animals outside a building, except in the event of lightning or electrocution
damage to cold frames and greenhouses used for business purposes, as well as their contents
damage caused to unharvested crops by a natural disaster, except for crops in a greenhouse, which remain covered
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To find out the main characteristics of this insurance, you can consult the information document. To receive a quote, contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Learn more
Read the following documents before signing your policy.
Any concerns?
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, email gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71– info@ombudsman-insurance.be.
Make a claim
If you need urgent assistance or would like to make a claim, our team is here to help!
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34
Supplement your cover
Do you need even more comprehensive protection for your agricultural business? Simply add one of the following types of cover to your policy.
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Theft
If personal property been stolen from the private part of your premises, or if you’ve had valuables stolen, this theft cover allows you to obtain compensation.
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Financial protection
Ensure the continuity of your agricultural business with this optional add-on, which protects you from a shortfall resulting from a covered loss.
Legal information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – http://www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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