Crop Protection Cover

Key Features

1. Comprehensive Coverage
   • Protects against a variety of perils including drought, excessive rainfall, flooding, hail damage, frost, and uncontrollable pests and diseases.
   • Policies can be tailored to cover specific crops or a range of agricultural products.
2. Multi-Peril Crop Insurance (MPCI)
   • Offers seasonal coverage against physical loss or damage to growing crops caused by multiple risks.
   • Ideal for farmers looking for broad protection throughout the growing season.
3. Weather Index Insurance
   • Uses weather data to trigger payouts based on predefined weather conditions (e.g., rainfall levels).
   • Simplifies the claims process by eliminating the need for on-site assessments.
4. Replanting Guarantee
   • Provides coverage for replanting costs if initial crops fail due to insured events.
   • Ensures that farmers can quickly recover and plant new crops within the same season.
5. Loan-Linked Insurance
   • Designed for smallholders with loans from microfinance institutions, this insurance secures loans against crop failure.
   • Helps farmers maintain their creditworthiness and continue farming operations.
6. Advisory Services
   • Many insurers offer additional support services such as agronomic advice and training to help farmers optimize their yields and manage risks effectively.

Pricing Plans

• Basic crop protection cover starts from approximately KES 3,000 per season.
• Comprehensive plans that include multiple coverage options can range from KES 10,000 to KES 50,000 annually based on the type of crops insured and the extent of coverage required.

Some of Our Insurers Offering Crop Protection Cover

Several reputable insurance providers in Kenya offer crop protection products:

• CIC Insurance Group
• APA Insurance
• Britam
• Heritage Insurance
• Pula Advisors