Agriculture Insurance

Tobacco field to Floor

Scope of Cover

Loss of the leaf, buildings and contents due to field fire and lightning, barn fires, riot and strike, malicious damage and transit risks.

Basis of Cover

• Tobacco leaf - Estimated total value of the leaf
• Contents - declared value of contents
• Buildings - Estimated value of buildings

Rating

• Tobacco Leaf - 1% for conventional barns ; 0.6% for modern barns i.e. Chongololo Mark II etc; Buildings - 0.35% of the value of the building
• Contents - 0.25% of the declared
• Excess - 10% of each and every loss, minimum 1% of sum Insured per field
• Level of Cover - Maximum level of cover is 100% of the sum insured

• Period of Insurance - From October to September
• Selling Period - All applications must be completed & received before 31st March