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Multiperil Crop Insurance

Covers a wide variety of crops and guarantees that investments are not lost, secures farming income and makes the farmer a better candidate for loans from lenders.

Covers against physical loss of or damage to growing crop directly caused by:
1) Drought.
2) Uncontrollable pest and diseases.
3) Hailstone damage.
4) Flooding of the crop field.
5) Fire and lightning.
6) Malicious damage.
7) Earthquake.
8) Riot and strike.
9) Explosion.
10) Windstorm

The cover can be extended to include harvested yield whilst stored at the farm or any other place of temporary storage and in transit to any recognised buyer within the country.

Basis of Cover

Sum Insured for any crop is based on production costs or pre-agreed nominated value of harvested crop based on the Long Term Average Yield

Basis of Claim Settlement

Yield short fall below guaranteed level as a result of listed perils insured.
Claims are due for payment the end of a crop season unless there is total loss happening during the insured crop planting window.

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APA Insurance Group 2017