Agricultural

Culture Insurance

Agricultural crop insurance covers compensation for quantitative production losses.

Subject of insurance:

The object is cereal crops, technical and oilseed crops, seed crops, fodder crops, vegetables and potatoes, greenhouse and solarium crops, vine and hop crops, the fruit or woody support of fruit trees/shrubs. 

Insured risks:

• torrential rain,
• storms/gales/hurricanes,
• hail
• fire
• frost (including late autumn and early spring frost)
• drought - under certain conditions
• other special clauses 

Insured amount

The insured amount may represent the value of production costs or the value of production.

The following cases are excluded and not compensated:

- if the damage report was not made within a maximum of 3 days after the occurrence of the insured event;

- production losses due to non-compliance with the technological process, excessive ripening as a result of delayed harvesting

- damage to crops caused by flooding, waterlogging, etc.

- theft of crops, pollution, contamination

- damage caused by animals

The deductibles mentioned in the insurance policy are deducted from the compensation, which represent a percentage of the insured amount of the damaged area or of the insured amount per plot.

Scope of the Insurance

Sheep, swine, cattle, bubaline animals, horses, fish from the fish farms, bee families and hives

Insured risks

Indemnifications are granted for death or slaughter as a necessity, as a consequence of the following risks:

- surgical/ obstetrical/ internal diseases;

- accidents occurred inside and outside the shelter;

In reference to the insurance company, these risks can be extended.

Insured Amount

It is declared on one’s own liability and can represent the real value established per capita, resulted from invoices / purchase protocols, according to the accounting documents or the market value established alive/kg, in reference to the species, race, age, upkeep condition etc

There is also a series of situations (exclusions) for which the insurer does not grant indemnifications, from among which it is well to note:

- death of animals as a result of the use of open fire or smoking, the use of improvised lighting, heating, and ventilation installations;

- lack of mandatory vaccinations and/or failure to carry out treatments ordered by the veterinary health authorities for the purpose of preventing or combating infectious, contagious, or parasitic diseases;

- deaths/slaughtering of necessity not communicated to the veterinary health authority within the notification deadlines;

- failure to communicate to the veterinary health authority within the legal deadline any changes in the health status of the animals.

It is important to note that the following amounts are deducted from the compensation: the value of recovered/recoverable meat, deductibles, and the value of technological losses established and mentioned in the insurance contract.

In case of an insured event, a standardized procedure is followed for the solving of the respective situation, the client being supported by the insurer and the broker throughout this process.

Damages Call Center: 031 9660

Diana Chiţulescu,Key Account Manager :0755.10.68.94 1

diana.chitulescu@safetybroker.ro