Crop Insurance:
Cover is available for all types of crops, whether rain-fed or irrigated. The following types of crops are covered:

  •  Annuals e.g. wheat, barley, maize, sorghum, rice

  • Perennials e.g. tea, coffee, sugarcane

  •  Horticulture, e.g. snow peas, French beans, tomatoes,

  •  Floriculture- e.g. roses and carnations

  •  Forestry e.g. eucalyptus, pine, cypress stands

  •  Tree crops e.g. avocados, macadamia

  •  Greenhouses i.e., steel/wood structures and plastic cladding

For rain-fed farming, a multiperil insurance is provided which covers either the input costs or value of expected yields as a result of the following perils:
 Drought, Excess rains, Flooding, Hail damage, Frost damage, Uncontrollable pests and diseases ,Fire and related perils
Getting Insured: Crops
For annuals and perennials, the farmer will be required to complete a Crop Proposal Form.
Specifically, the proposer will give the Long-term Average Yields (LTAY) of the crops in question, i.e. how many bags/kgs have you been achieving per acre over the past say, 5 years?

Livestock Insurance

Covers all types of livestock (Dairy, Beef, Poultry, Pigs, Goats, Sheep, fish & other emerging livestock) against death as a result of:
 Accidents, uncontrollable diseases including epidemics, birth complications, emergency slaughter on medical grounds, fire and related perils.

Weather Index Crop Insurance

CIC is developing crop insurance products that will target small scale farmers. Weather index insurance removes the need for physical crop inspections that would make insurance for small scale farmers expensive. The company is working closely with development partners to develop these products. Our partners include Financial Sector Deepening, the World Bank and Rockefeller Foundation.