Farming Risks, Guaranteed Harvests!
Comprehensive crop and cattle insurance for India’s farmers and agri-businesses. Get protection against weather, pests, and livestock losses with coverage that understands agriculture never takes vacations.
When Nature Misbehaves, We Make It Right!
- India's top agri insurers, farmer-tested protection
- Complete Coverage, Sowing to Harvest
- Farm Insurance Made Simple, Expert Agricultural Shield
- Every Season Protected, Every Loss Covered
Crop Cattle Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Crop/Cattle Insurance
Agricultural Insurance: Your Farm’s Weather-Proof Guardian!
Think of crop and cattle insurance as having Mother Nature’s warranty for your farm! It’s comprehensive protection against droughts, floods, pests, and livestock diseases—because farming is already hard enough without gambling your entire livelihood on weather forecasts.
Whether you’re growing wheat in Punjab or raising dairy cattle in Gujarat, agricultural insurance ensures that bad seasons don’t become bad years. It’s like having a savings account that automatically fills up when rain clouds forget your address or locusts RSVP to your crop party uninvited!
Why Is This Policy Vital for Agricultural Businesses
Because Farmers Feed India, But Who Feeds Farmers When Crops Fail?
Indian agriculture faces ₹40,000 crore annual losses from weather, pests, and diseases. Under Pradhan Mantri Fasal Bima Yojana, only 30% of farmers are insured despite subsidized premiums. Agricultural insurance is the difference between “bad harvest year” and “generational poverty.” It’s survival insurance for feeding India’s 140 crore people!
Who Needs Crop/Cattle Insurance?
Small & Marginal Farmers
Landholdings under 5 acres need subsidized PMFBY coverage protecting staple crops against weather and pest risks.
Commercial Crop Farmers
Large-scale growers of cash crops like cotton, sugarcane, and spices require comprehensive yield and revenue protection.
Dairy & Livestock Farmers
Cattle, buffalo, and goat farmers need livestock mortality coverage against diseases, accidents, and natural calamities.
Horticulture & Fruit Growers
Orchard owners growing apples, mangoes, and grapes need specialized perennial crop and post-harvest protection.
Poultry & Fish Farmers
Broiler, layer, and aquaculture businesses require disease outbreak and mortality coverage for high-density operations.
Types / Add-ons Commonly Offered
PMFBY (Crop Insurance)
Government-subsidized multi-peril crop protection
Weather-Based Crop Insurance
Rainfall and temperature index-based payouts
Livestock Insurance
Cattle, buffalo, goat mortality coverage
Poultry Insurance
Bird mortality and disease outbreak protection
Aquaculture Insurance
Fish farming and pond mortality coverage
Post-Harvest Loss
Storage and transport damage protection
What Crop/Cattle Insurance Covers
Drought & Water Shortage
Excess Rainfall & Floods
Pest & Disease Attack
Hailstorm Damage
Cyclone & Storm
Livestock Mortality
Epidemic Diseases
Accident & Fire
Lightning Strike
Snake Bite (Cattle)
Post-Harvest Losses
Preventive Slaughter
Inclusions & Exclusions
Inclusions
Yield Loss
Crop production shortfall due to drought, flood, pests, and diseases beyond control
Livestock Mortality
Death of insured animals from diseases, accidents, natural calamities, and snakebites
Weather Perils
Hailstorm, cyclone, unseasonal rainfall, and temperature extremes damaging crops
Post-Harvest Losses
Crop damage during drying in field for maximum 14 days after harvest
Prevented Sowing
Compensation when adverse weather prevents timely crop sowing
Exclusions
War & Terrorism
Military operations and nuclear risks excluded from agricultural coverage
Poor Farming
Negligent farming practices and non-adoption of recommended practices excluded
Theft & Malicious Damage
Deliberate crop damage and livestock theft require separate coverage
Pre-existing Conditions
Diseased livestock and pest-infested crops before policy start excluded
Aging Cattle
Animals beyond specified age limits (typically 10-12 years) excluded from livestock coverage
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Farmers pay just 2% for Kharif crops, 1.5% for Rabi crops. Government subsidizes 95-98% of premium - massive savings!
Yes! Epidemic diseases causing mortality are covered, but vaccination compliance may be required. Healthy herds = covered herds!
During sowing season! Kharif coverage starts April-July; Rabi October-December. Miss the window = miss the coverage!
Depends! Weather-based pays faster (no crop cutting); yield-based is more accurate. Fast money vs. precise money!
Absolutely! Tenant farmers can insure crops with proper land documents or farmer certificates. Everyone farms, everyone insures!
Based on insured declared value (IDV) considering age, breed, and milk yield. Accurate valuation = fair claims!
Customers Says..
Mr. Ramesh Patil (Farmer, Vidarbha, Maharashtra)
Mr. Gurpreet Singh (Dairy Farmer, Karnal, Haryana)
