CROP COVER

Crop insurance indemnifies you against the loss of crop due to natural disasters, such as hail, drought, and floods.At APA we ensure your Ultimate. happiness.


Under our Crop policy we cover:

1.) Multi-Peril Crop Insurance (MPCI)

A seasonal cover against physical loss or damage to growing crop directly caused by assorted natural calamities such as Drought, Uncontrollable Pests & Diseases, Hailstone Damage, Flooding, Fire, Lightning, Earthquake, Explosion, Frost and Windstorm.

Features:
In this, we cover all sorts of crops in a single strand of large or small farms. The claim payable is determined by a qualified loss assessor who inspects and scientifically quantifies the magnitude of the loss.


Benefits:
Cover for all kinds of crops irrespective the farm size, cover form any form of loss associated with nature, stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.

2.) Named-Peril Crop Insurance (NPCI)

In this, we offer to cover all sorts of crops in ether small or large farms. The claim payable is determined by a qualified loss assessor who inspects and scientifically quantifies the magnitude of the loss.

Features:
The cover is given to Broilers of 0 days to 8 weeks and Layers of 0 days to 1½ years. This cover Indemnifies on the insured’s bird’s death due to; uncontrollable diseases and Accidents. The cover can be extended to cover Transit Risk as well as Theft. Threshold for the cover is a Minimum premium of 5,000 Kenya shillings. The policy covers the maximum capacity of birds that a farmer’s structure can hold.


Benefits:
Cover for all kinds of crops irrespective the farm size, stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.



Features:
This is cover steel structured greenhouses only irrespective of size. The indemnity is based on the actual loss as assessed and quantified by our appointed loss assessors less deductibles.


Benefits:
Cover for all kinds of crops, assured stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.

4.) Forest Insurance

This is cover for commercial tree farms, fruit orchards, natural forests and tree nurseries against; fire, lightning, windstorm, flooding, hail etc.

Features:
The tree value is evaluated by a forest ranger or a qualified specialist and agreed before cover. The claim payable is determined by a qualified loss assessor who inspects and scientifically quantifies the magnitude of loss less deductibles.


Benefits:
Cover for all kinds of commercial and aesthetic trees, assured stability, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.

5.) Area Yield Index Insurance (AYII)

A seasonal cover for crop yield shortfall below the historical average yield in a unit area of insurance (UAI).

Features:
It can only be for a particular crop within a defined area of homogeneous production. Payout is based on a crop cutting exercises results done at the end of the harvesting period.


Benefits:
Cover for all kinds of crops, assured stability of many farmers in one location, affordable, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.

6.) Weather Index Insurance (WII)

A seasonal cover for loss or damage to growing crops directly caused by deficit or excesses in weather conditions such as temperature, sunlight, wind speed or rainfall.

Features:
It can only be for a particular crop within a defined area of homogeneous weather patterns. Payout based on actual weather measurement at the reference weather station or satellite in relation to effects at any stage of a crop growth cycle.


Benefits:
Cover for many farmers at once, assured stability, affordable, easy claim process, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.




Our main products include:


  1. Multi-Peril Crop Insurance (MPCI).
  2. Named-Peril Crop Insurance (NPCI).
  3. Greenhouse Insurance.
  4. Forest Insurance.
  5. Area Yield Index Insurance (AYII).
  6. Weather Index Insurance (WII).

The cover provides the following features:

  1. In this we cover all sorts of crops in a single strand of large or small farms. The claim payable is determined by a qualified loss assessor who inspects and scientifically quantifies the magnitude of the loss.

  2. The cover is given to Broilers of 0 days to 8 weeks and Layers of 0 days to 1½ years. This cover Indemnifies on the insured’s bird’s death due to; uncontrollable diseases and Accidents. The cover can be extended to cover Transit Risk as well as Theft. Threshold for the cover is a Minimum premium of 5,000 Kenya shillings. The policy covers the maximum capacity of birds that a farmer’s structure can hold.

  3. This is cover steel-structured greenhouses only irrespective of size. The indemnity is based on the actual loss as assessed and quantified by our appointed loss assessors less deductibles.

  4. The tree value is evaluated by a forest ranger or a qualified specialist and agreed before cover. The claim payable is determined by a qualified loss assessor who inspects and scientifically quantifies the magnitude of loss less deductibles.

  5. It can only be for a particular crop within a defined area of homogeneous production. Payout is based on a crop cutting exercises results done at the end of the harvesting period.

  6. It can only be for a particular crop within a defined area of homogeneous weather patterns. Payout based on actual weather measurement at the reference weather station or satellite in relation to effects at any stage of a crop growth cycle.



The benefit includes:


  1. Cover for all kinds of crops irrespective the farm size, cover form any form of loss associated with nature, stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.

  2. Cover for all kinds of crops irrespective the farm size, stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.

  3. Cover for all kinds of crops assured stability, improved financial management and comfort in knowing there is a safety net for unexpected loss and associated costs.

  4. Cover for all kinds of commercial and aesthetic trees, assured stability, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.

  5. Cover for all kinds of crops, assured stability of many farmers in one location, affordable, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.

  6. Cover for many farmers at once, assured stability, affordable, easy claim process, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.



If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.

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