This policy offers Cover for various type of crops irrespective of them being under irrigation or rain-fed. Among the perils insured against include Fire & Special Perils, Floods, diseases, uncontrollable pests, and frost and hail impacts among others. The cover targets multiple varieties of crops based on their types and maturity periods including:

• Horticultural Produce such as tomatoes, onions, French beans et cetera.
• Floricultural produce covering specific kinds of flowers such as lilies, peonies & roses et cetera.
• Bi-annual and Annual crops such as maize, wheat, rice, beans in Annuals e.g. wheat, barley, maize, sorghum, rice etc.
• Forestry produce including cypress, eucalyptus etc.
• Cover can be extended to cover the Farmer’s Greenhouse structure

Sum Insured

Total cost of production (land rent, ploughing, seeds, fertilizer, chemicals, labour etc)

• (SI= Acreage x production costs per acre)
• Long Term Average Yield (LTAY); (SI= Acreage x yield per acre x price)

Major Exclusions

• All losses caused by non-insured perils.
• Theft, mysterious disappearances and unaccountable losses.
• Loss of earnings, loss by delay, loss of market or other consequential or indirect damage of any kind or description whatsoever.
• Loss or damage resulting from total or partial cessation of work or the retarding or interruption or cessation of any process or operation.
• Loss or damage occasioned by permanent or temporary dispossession of any property resulting from the unlawful occupation by any person of such property.
• Losses due to Looting, Plundering and Pillage of the property insured.
• Errors in pesticide application and failure to adhere to recommendation on application procedures.