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Crop Insurance

What is this type of insurance?

Crop insurance, which in practice is also known as crop insurance, is associated with unforeseen risks, most often caused by climatic anomalies and various natural disasters beyond the will of man, which can lead to losses of funds invested by farmers. . In this case, insurance is a risk transfer tool. Transfer of the risk of financial insurance of material damages through property insurance, in the field of which the insurance of agricultural crops falls.

Who is the insurance for?

A party to the insurance contract for crop insurance may be all natural and legal persons who have an interest related to the cultivation of agricultural crops. The insurance is voluntary. Each insurance company determines the crops and the risks for which it can take responsibility.

What does the insurance cover?

Crop harvest is insured:

  • field and vegetable;
  • orchards, roses, mulberries;
  • vineyards, strawberries, raspberries, rose hips, blackberries, fruit nurseries, queen cells, root crops, medicinal plants, blackcurrants, hops, seedlings, seedlings, flowers for seed and sale, crops grown in greenhouses and hothouses.

Newly established perennials and intensive crops are insured as fixed assets. The newly created perennials include vineyards, orchards, strawberries, raspberries, blackberries, blackcurrants, roses, lavender, hops. Intensive crops are fast-growing species that are grown for wood or biomass such as paulownia, poplar, willow, acacia and others.

The insurance coverage for agricultural crops is for quantitative damage to the crop, due to: hail, storm, root fire, torrential rain, flood, late spring and early autumn shelter after April 20 and before October 1, frost and withdrawal of cereals, suffocation in cereals, sleet, damage from falling aircraft.

For newly established perennials and intensive crops, the quantitative damages from total death of the insured plants due to hail, storm, fire, frost and snow break are covered.