OBJECT/MATTER OF THE INSURANCE: field, vineyard and orchard crops in the Insured person’s property:

1. cereal cultures, industrial crops, vegetable and potatoe crops, medicinal and aromatic herbs, fodder crops, vineyard, orchard and hops crops. The insurance also covers: greenhouses and their crops, vine plant nursery, strawberry plantations, fruit trees, decorative and ornamental plants.

You can insure both the products of vineyards / fruit trees on your terrain and on leased or trusted terrains.

INSURED RISKS:

The Insurer grants reimbursements for quantitative loss of production or expenses for culture’s planting, caused by: hale, fire, direct effects of torrential rains, storm/hurricane, cultivated land slipping/collapse, late spring frost and early autumn frost, winter frost, torrential rains flood, drought, cropping delay due to continuous rains, depending on the coverage type you choose.

Hale damages are covered in the case of the tobacco cultures.

Hale is the kind of precipitation which falls in small or large ice pieces, accompanied or not by violent torrential rainfalls, strong wind and lightning/thunder phenomena. The Insurer grants reimbursements to damages done by hale’s mechanic action or by hale layers frozen on the ground over the plants.

Torrential rains are those precipitations which create large amounts of water in short periods of time (over 5 litres/minute/sq.meter). The Insurer grants reimbursements for damages done by its direct effect: seeds’ washing off or ground from around the plants, uncovering of the roots, mudding , removing the plants, entirely or partly, plants’ breaking, pollens’washing off, plant’s laying to ground, grain falling.

Storm, respectively hurricane, is the air movement caused by weather conditions, but with at least 6 Beaufort degrees wind speed. If the wind speed could not at that time be measured, the reimbursents are to be granted if neighbouring cultures suffered equal damages.

Late spring frost  is the atmospheric phenomenon characterized by the fall in temperature of the air layer under the biologic limit for plant survival after they started their active vegetation period; the late spring frost is considered to be the frost that occurs after the calendaristic average date of the last frost, registered in the climateric description of each area or region.

Early autumn frost is the atmospheric phenomenon characterized by the fall in temperature of the ground air layer under 0 degrees Celsius, before the natural life cicle, vegetative closure or reaching plants’ maturity; the early autumn frost is considered to be the frost that occurs before the calendaristic average date of the first frost, registered in the climateric description of each area or region.

IMPORTANT !

LAW nr. 381 from June, 13th, 2002 is granting reimbursements for agriculture natural disasters with 50 % of the insurance premium amount. The deadline for contracting the agricultural insurance is December, 15th for the autumn seeded cultures and May, 31st – for spring seeded cultures and plantations.

STATE INSURED RISKS by LAW nr 381/2002: excesive prolongued drought on unirrigated fields, overflooding waters, broken dams, continuous abundent rain, extremely low temperatures, under the biological resistence limit of plants, thick layer of snow that damages animals and plants, sudden snow melting causing floods, rivers’ overflooding and bogging, hurricane, and any other disaster or catastrophe on large areas.

ANIMAL INSURANCE

OBJECT/MATTER OF THE INSURANCE:

1. cattle of over 6 months to 10 years ;
2. horses of over 1 year to 15 years; exception: breed horses, used for pleasure spare time, runnig, competing;
3. swine of over 3 months; swine of over 40 kg , no matter their age, fattening;
4. sheep and goat of over 6 months;
5. hens, geese, ducks, turkeys, pheasants, ostrichs categorized in ages, species, breeds, their destination.

INSURED RISKS:

General risks:

1. fire, lightning and thunder, explosion;
2. earthquake;
3. flooding, storm, hurricane, hale;
4. vandalism, terrorism, strikes and civil disorders;
5. land collapse/slipping;
6. snow/ice weight, avalanches;
7. water pipes breaking and its damages ;
8. theft and results of theft or theft attempt.

Accidents and disease:

1. animal hurting and wounding, the fall of the animals and of foreign objects on the animals, electrical power influence, sunstriking, suffocating, drowning, freezing, foreign objects swallowing, dystokia;
2. gelding’s consequences or other surgical interventions and treatments done by authorized veterinary;
3. wild animals’ attack or other animals, snake bites, venomous insects’ bites, animal intoxication with profilactic or curative administered medicines;
4. venomous plant intoxication, or caused by toxic substances, fodder meteorism;
5. medical diseases, obstetrical and surgical; accidents caused by diseases;
6. necessity slaughtering on sanitary-veterinay authorities advice;
7. animals’ discharging from their owner’s property because of infectios anaemia;
8. accidents or diseases caused to animals by identified third party.

Accidents are:

1. fire, explosion, lightning and thunder, electrical power influence, land collapse or slipping, floods, earthquake, storm, hurricane, blizzerd, snow avalanches, hale, frost etc;
2. wild or other kind of animals attack, snake bitting, venomous insects bitting, intoxication with toxic plants or substances, acute meteorism; accidents are considered to be animal plant intoxications while grazing only if diagnosed by veterinary authorities;
3. animal hurting and wounding, the fall of the animals and of foreign objects on the animals-tree falling, ice or snow blocks-, sunstriking, suffocating, drowning, freezing, foreign objects swallowing (except for reticulite and pericardite), dystokia - difficult labouring, gelding’s consequences or other surgical interventions and treatments done by authorized veterinary etc;
4. car incidents (caused to animals during their tranzit to and from the graze field, if grazing is their usual way of feeding; as for hourses, the Insurer covers only the traction hourses).

If interested in contracting this type of policy, whichever it may be, please fill in the contact form with your personal data and in short time we’ll submit a compared tender from several insurance companies, so that you, together with us, be able to take a decision. Moreover – we provide free of charge audit for your current policies.

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