Below is a list of companies with the best crop insurance cover in Kenya:

Cooperative Bank

Crop Insurance

The farmer is covered against yield shortfall due to:-

• Draught and/or excessive rainfall
• Hail
• Frost
• Windstorm
• Fire
• Uncontrollable pests and diseases

Loss of production inputs is also covered as a result of the same factors.

What crops are covered?

Crops covered include but are not limited to:

• Coffee
• Cotton
• Pyrethrum
• Wheat
• Barley
• Sorghum
• Maize
• Tea
• Vegetables
• Sugarcane
• Flowers
• Greenhouse

What do you need to get cover?

• Completely filled proposal form
• The expected income per acre
• The cost of production per acre
• Premium payment

What is the claim process under agriculture?

• Completely filled claim form
• Police abstract in the event of theft of livestock or poultry
• Vet claim form in the event of poultry

Old Mutual

What’s in it for you?

• It covers all commercial field crops including wheat, maize, barley, rice, tea crop, coffee, sugar cane, tobacco, all horticultural crops, and floriculture and tree crops.
• Also covers farm assets and equipment including greenhouses and irrigation facilities.
• The insured farm will have greater access to agriculture credit since the policy document will be accepted by financing institutions as an alternative form of security.

How does it work?

The two policies available under crop insurance are:

• Multi-Peril Policy – Which covers the crop against various perils except those specifically excluded.
• Index-Based (Kilimo Salama) – is a microinsurance product that covers crops against identified weather perils that can be measured using a computerized weather station.

This cover protects your farm crops against various perils such as losses due to adverse weather conditions such as floods, hailstorms, drought, barn fire, uncontrollable pests, theft etc. The sum insured can be the farmer’s input costs, output (expected yield) or both.

What’s not included in the cover?

All crop losses as a result of non-insured perils:

• Deterioration of crop and product quality due to interruption of work or any process accidents.
• Consequential loss due to delay in harvesting, detention or confiscation of produce or equipment
• Error in pesticide application and failure to adhere to recommendation on application procedures.
• Theft, mysterious disappearances and unaccountable losses.

How much are the premiums?

The premium rate depends on crop type and the number of insured perils. This rate ranges between 4.5 and 15% on the sum insured.

How do I make claims?

Yield shortfall and downgrading. Payment of all claims is due at the end of a crop season, however, in case of a total loss necessitating replanting, payments are made to facilitate replanting.

What is required for the application?

• Completed application form and payment of premium
• Crop emergence/establishment report conducted by the insurer

APA Insurance

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 crops 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 expert who inspects and scientifically quantifies the magnitude of the loss.

Benefits:
Cover for all kinds of crops irrespective the farm size, cover from 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 small or large farms. The claim payable is determined by a qualified expert 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.

Equity Bank

Crop Insurance

Index based weather insurance (IBWI)

The IBWI insurance policy covers listed crops against excessive rainfall and drought.

Multi-peril crop insurance

The Multi-peril crop insurance covers crops against multi perils including drought excessive rainfall, hailstones, fire and disease.

How to get started

1. Go to the form availed below to sign up.
2. Fill in your details.
3. Submit the details. A representative from our team will give you a call.

Britam

What is covered?

All field crops are covered

Multi-Peril Crop Insurance

• Drought (excluded under irrigation)
• Hail damage
• Frost damage
• Fire
• Windstorm
• Excessive rainfall
• Malicious damage
• Flooding
• Uncontrollable pests and diseases

Area Yield Index Insurance

• Shortfall in yield due to listed perils
• Loss incurred due to the insured being prevented from carrying out sowing and planting activity on account of a deficit in rainfall or adverse seasonal conditions. This is subject to the insurance policy conditions.

What do I need to do to obtain a crop insurance cover?

You need to contact your insurance agent or contact Britam directly to complete a proposal form. We will then visit your farm to conduct a pre-cover assessment and advice you on the premiums payable for the proposed risks cover.

What information is required to get a quotation?

A completed proposal form with the following information:

1. a) Applicant Details
2. b) Crop Details
3. c) Insurance Details
4. d) Declaration

Who benefits from crop insurance?

Farmers use crop insurance to financially recover from natural disasters and volatile market fluctuations, pay their equipment providers and landlords, purchase their production inputs for the next season and have the confidence to make long-term investments that will increase their production efficiency

Liberty Life

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.