• Particulars of cover liability and exclusion given above are not complete or exhaustive :
• Our nearest Branch Office branch may be approached for complete details.

Loss or damage to the

• flowers (produce)
• loss by theft
• malicious acts
• war and war-like perils
• nuclear radiation
• volcanic eruptions
• wilful negligence of insured
• non-flowering climatic variations
• water logging
• consequential loss
• natural mortality etc.

Scope of Cover

Loss or damage directly caused due to -

• Fire including forest fire and bush fire.
• Lightning.
• Acts of terrorism.
• Riot and Strike.
• Storm hailstorm cyclone typhoon tempest hurricane tornado.
• Flood and inundation.
• Earthquake.
• Impact damage by rail/road/air/animals.
• Named pests and diseases specific to the flower crop insured.

• The Policy covers Flowering plants whilst growing in Farm/greenhouse/polyhouse.
• Period of Insurance - One year or crop period.
• Valuation/Sum Insured (maximum Rs.30 0
• This insurance cover indemnifies the insured to the extent of input costs (cultivation costs) incurred upto the date of loss. Details of input costs to be given by the insured. Valuation will be fixed on per plant or per acre basis.
• Suggested Premium Rate - 5% on Sum Insured.
• Excess - 20% of the claim amount.