Give your agricultural work the security it deserves with our Agriculture Policy. We offer customised insurance solutions to safeguard your farming endeavours from unexpected challenges. Don't leave anything to chance; trust us to provide you with the necessary coverage.

1.  Crop

·        Fire

·        Windstrom

·        Excessive rainfall

·        Uncontollable pests and diseases

·        Drought except under irrigation farming

·        Hail

2.  LIVESTOCK:

The following livestock are covered

·        Cattle ( Dairy and Beef )

·        Shoats - Sheeps and goats

·        Poultry (Layers and Broilers)

·        Pigs

·        Horses

·        Pets - Dogs

·        Fish

For these we cover mortality due to

·        Theft

·        Accidents

·        Diseases

·        Complications during delivery

·        Emergency slaughter on medical grounds

·        Fire, Smoke, Lighting

3. GREENHOUSE :

This includes:

·        Plastic cladding and steel structure

·        Growing crop

·        Yield in Transit

·        Machinery breakdown

·        Deterioration of stock

·        Irrigation Equipment

·        Other assests related to greenhouse production

Perils Covered:

·     Fire and fire fighting

·     Theft and/ or loss during fire, fire fighting or salvaging.

·     Lighting

·     Impact damage

·     Plane Crash

·     Theft after burglary

·     Damage during burglary or attempt thereto

·     Water from reservoirs and / or water tanks

·     Excessive rain

·     Storm (Including Hail or weight of snow)

·     Salvage costs

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4.     FORESTRY :

·        Fire

·        Lightning

·        Explosion

·        Windstorm

Optional Additional Covers:

· Flood and / or inundation

· Malicious Damage

· Subsidence and landslide

Tailored to Kenya's Landscape: Designed with an understanding of Kenya's unique agricultural practices and challenges.

Complete Protection: Every aspect of farming is protected, from seeds sown in the soil to livestock grazing on the fields.

Extended Assurance: While focusing on primary threats, our coverage also looks at secondary impacts, ensuring your livelihood remains uninterrupted.

You need to contact your insurance agent or Heritage Insurance directly where you shall be given a proposal form to complete. The insurer will visit your farm to do a pre-cover assessment and advise you on the premium payable for the risks proposed to be covered.

A completed proposal form with the following information:

• Farm Management Practices

• Geographical Location

• Historical Yield and Loss Data

• Climatic (Weather) Conditions

• Types of Crops

• Markets

• Value of Crops.

• Cost of production.

The amount payable depends on several factors that include; For livestock insurance; number of animals, value, past history (of animals and the insured). For crop insurance, historical yield records and weather climatic conditions of the area matter a lot, and above all your experience of management.

There are two options available. These are:

• Indemnity covers, that covers either the cost of production or the expected yield.
• Index-based insurance, that cushions the farmer in the event of drought or excessive rainfall only.

Farmers use crop insurance to recover from natural disasters and volatile market fluctuations; pay their bankers, and their suppliers, and purchase farming inputs. This enables them to have the confidence to make long-term investments to increase product efficiency