Recent experience has shown that natural phenomena constitute a major risk for agricultural production, affecting both crops and livestock and poultry. Regardless of the region in which they are located, they can be exposed to hail, torrential rains, storms, landslides, fires and other natural disasters.
Even a single unforeseen event can compromise the entire production, endangering the investments made. To reduce the impact of these risks and ensure the continuity of agricultural activity, it is recommended to take out an agricultural insurance policy. This insurance covers losses caused by natural phenomena, such as hail, storms or late frost, and can be adapted for various types of crops, animals or agricultural machinery.
Crops can be insured for agricultural crops in the field or in greenhouses/sunrooms/nurseries, nurseries, rootstock plantations, vines, fruit trees/shrubs on plantations, such as:
- cereal crops;
- field vegetable crops;
- legumes for grains;
- aromatic and medicinal plants;
- annual and perennial fodder plants;
- industrial plants;
- oilseed plants;
- textile plants;
- fruit of vineyards, fruit trees/shrubs and hops;
- strawberry crops;
- fruit shrub plantations;
- young fruit tree plantations;
- fruit plantations of rootstocks and grafted trees and vine plantations of rootstock cuttings;
- young vineyard plantations established with grafted vines;
- grafted vine schools;
- protected crops in greenhouses, solariums and nurseries.
Depending on the specifics of the insured crops, coverage may be for:
- hail;
- storms (windstorms);
- hurricane;
- late spring frosts and/or early autumn frosts;
- torrential rains;
- tornado;
- landslide/land collapse;
- winter frost (only for autumn crops – wheat, barley, rape);
- Animals
- Any of the following species / categories of animals can be insured:
- cattle and buffaloes;
- sheep, goats, as well as lambs for fattening;
- pigs;
- horses;
- bee colonies / hives;
- fish from breeding and fish farms.
- The insured risks are surgical, obstetric, internal and infectious diseases.
Poultry Insurance
For poultry insurance, the following species may be included: chickens, geese, ducks, turkeys, pheasants, ostriches, grouped by breed, age, destination/production and growing/exploitation conditions.
The insured risks are related to diseases specific to birds, depending on the risks covered by each Insurer.
The insured amount for agricultural insurance is established based on the submitted application, confirmed by supporting documents.