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Trees/plants/shoot/vegetative part only for crop duration or 12 months whichever is shorter. Farm owners/lessees cultivating the plantations /horticulture.
We Cover
Trees/plants/shoot/vegetative part only for crop duration or 12 months whichever is shorter.
Who can be insured ?
Farm owners/lessees cultivating the plantations /horticulture.
Insured against What Risks ?
Coverage and indemnity to insured to the extent of loss or damage to the crop by operation of any one of the following perils
Fire including forest fire and bush fire.
Lightning.
Riot strike acts of terrorism.
Storm hailstorm cyclone hurricane flood and inundation.
WHAT WILL POLICY PAY AND HOW MUCH?
Policy will pay:
The input costs or recurring expenses incurred for raising the crop (establishment and maintenance) up to the date of the loss. Limits of indemnity on input cost basis are fixed at each stage of the crop. Claims are subject to Franchise and Excess deductibles.
WHAT WILL POLICY NOT PAY?
The policy won't pay as per below case:
The policy excludes to pay for loss or damage to crop arising due to theft malicious damage negligence natural mortality war perils nuclear perils insects pests and diseases drought earthquake climatic variations water logging inconsequential losses damage to structures capital items irrigation systems agricultural implements harvested produce
