1. HOUSEOWNERS (PRIVATE DWELLING BUILDINGS)
Covers loss of or damage to insured farm private dwelling building by fire, lightening, Allied Perils and Theft

2. HOUSEHOLDERS (CONTENTS)
Covers loss of or damage to insured farm household property by fire, Lightening, Allied Perils and Theft.

3. ALL RISKS (PERSONAL PROPERTY)
Covers loss or damage to insured goods, valuables and specified personal effects caused by perils not expressly excluded.

4. ALL RISKS (BUSINESS PROPERTY)
Covers loss of or damage to insured property caused by perils not expressly excluded.

5. FIRE AND ALLIED PERILS
Covers loss of or damage to Farm insured buildings by Fire and Allied Perils.

6. BURGLARY
Covers loss or damage to farm insured property by theft.

7. MONEY
Covers loss of money in transit or on the insured’s premises arising from hold-ups, robbery or attempt threat.

8. PUBLIC LIABILITY
Covers Legal liability to third party for accidental bodily injury, death and/or property.

9. EMPLOYERS LIABILITY
Covers the insured against all sums legally liable to pay as damages and claimant’s costs and in respect of death, bodily injury or disease to employees in the course of their employment.

10. GOODS IN TRANSIT
Covers loss of or damage to insured goods, owned by the insured or for which the insured is responsible in the course of transit caused by an accident or misfortune to the vehicle carrying such goods.

11. MOTOR COMPREHENSIVE
Covers the insured and farmer’s private and commercial vehicle against its own damage and third party legal liabilities such as bodily injury, death and property damage.

12. LIVESTOCK AND BLOODSTOCK INSURANCE
Covers the insured animals against death, injury or loss due to accidents, illness and disease.

Extensions of cover: -Transit cover
-Furrowing risks(pigs)
– Calving risks(Dairy cows)
– Theft.
Animals Covered: -Horses, cattle and pigs.

13. POULTRY INSURANCE
Covers the insured birds against loss due to accidents, illness and disease.
Birds covered: Layers, Broilers, Parent Stock.
Extensions of cover: Theft cover.

14. CROP INSURED (EXCEPT TOBACCO)
Covers the insured crops against loss or damage caused by Fire and Lightening.
Crops covered: Including but not limited to Wheat, Maze, Rye grass, Lucerne
Extensions of cover: Early rains(Winter Wheat), Controllable Disease, Frost, Drought, Floods, Hail, Wind, Malicious damage, Riots and Strikes, Destruction by stray, domestic animals.

15. TOBACCO INSURANCE

A. TOBACCO FIELD TO FLOOR
Covers Tobacco while standing in the field, Tobacco leaf undergoing curing, grading, storage and in transit to auction floors against fires and lightening, barns fires, riot and strikes, malicious damage and transit theft to floor.
B. TOBACCO HAIL AND WIND
Covers loss or damage to Tobacco the plant standing in the field against Hail and Windstorms.

1. Insured’s Duty
The insured must observe and fulfill all the terms of the policy in so far as they relate to anything to be done or not to be done by the insured or any person claiming to be indemnified and the truth of the statements and answers in the proposal shall be conditions precedent to any liability of the company to make any payment under this policy.

2. Written notice
Every notice or communication to be given or made under this policy shall be delivered in writing to the company.

3. Notifications of loss
In the event of any occurrence which may give rise to claim under the policy, the insured shall as soon as possible be given notice thereof to the Company with full particulars.

4. General conditions, exclusions and exceptions
All conditions, exclusive and exceptions are as per standard individual polices.

POLICY REQUIRED DOCUMENTS
Crop Insurance                                       Loss notification report
Yield history
Cropping plan.

Livestock/Bloodstock Insurance                       Loss notification report
Veterinary certificate
Management plan
Declaration of current stock.

Poultry Insurance Loss                               notification report
Veterinary certificate
Management plan
Declaration of current stock.

All others Loss                                     notification Report
Police report (Burglary, Theft, Money)
Doctors report (Death and injuries).