Climate change is causing disrupting weather patterns and creating fundamental changes in temperature and precipitation.  Uncertainty facing farmers is unpredictable and sometimes uncontrollable.

Crop Insurance comes in as one of the risk mitigating measures in the loss of crop (Wheat, Barley, Maize, etc)

PERILS ENCOUNTERED

Drought

Uncontrollable pest and diseases

Hailstorm and windstorm

Floods

Dfire

Frost

Lighting

These perils pose a great challenge particularly on the production.  Thus compromising on the yield expected and the loss of income

Crop Insurance also comes in handy to secure lending where this loss has happened to a farmer

Coverage/Sum Insured

Total Cost of Production (Land Rent, ploughing, seeds, fertilizer, chemicals, labour, etc.

Long Term Expected Yield Estimate

EXCLUSIONS

All losses caused by non insured peril

Theft, mysterious disappearance and unaccountable losses

Loss of earning, loss of 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 interrruption or cessation of any processs or operation

Loss or damage occassioned 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

EXAMPLES OF CROPS INSURED

Maize

Wheat

Barley

Sugarcane

Tea

Coffee

Cotton

CLAIM PROCESS

Notify us in case there is an occurrence likely to give rise to a claim immediately within 12 hours of your knowledge of the same through a written communication