Tea Crop Insurance

Tea Crop Insurance Policies shall be issued garden wise only. In case of factories which do not have any gardens, policies may be issued factory wise.

Terms of Cover :
The insurance is against all risks of physical loss or damage to tea subject to specified exclusions :
Inland Transits are subject to Inland Transit (Rail or Road) Clause 'A' and Inland Transit (Inland Vessels) Clause, as applicable.
Overseas shipments are subject to ICC (A) or Institute Cargo Clauses (Air) as applicable.

Special exclusions include the following :

Loss/damage caused by absence or shortage, withholding or withdrawal of labour.

Loss/damage attributable to any fault/neglect/defect in the manufacturing process and/or packing materials used.

Loss due to interruption in manufacture consequent upon stoppage of power supply or breakdown of machinery, however arising.

Any loss/damage pertaining to previous season's manufactured tea held back at garden.

Any foreign acquired taint damage to teas arising from any established and proven external cause, except such taint damage as caused by an insured peril.

No cover shall be granted for loss/damage to standing crops or Tea bushes or plants arising out of whatsoever peril other than Hail.