Farming Risks, Guaranteed Harvests!
Crop Cattle Insurance Get Quote
Click to submit your details and receive a customised quote. Have questions about your coverage? Our team will call you within 1 business day.
Our Insurance Partners
Know your policy
Everything you need to know
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
A single failed season can wipe out a year's income. Crop and livestock insurance helps farmers and agri-businesses recover and plan the next season.
Know your policy
Understand your insurance before buying
Who Needs Crop/Cattle Insurance?
Small and marginal farmers
Low-premium PMFBY cover for staple crops against weather and pest risks.
Commercial crop farmers
Cover for cotton, sugarcane and other cash crops against yield loss from weather, pests and disease.
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
Crop loss due to insufficient rainfall and prolonged dry spells.
Excess Rainfall & Floods
Crop damage caused by excessive rainfall, waterlogging, or flooding.
Pest & Disease Attack
Loss of crop yield due to pest infestation or plant disease outbreaks.
Hailstorm Damage
Physical damage to standing crops caused by hailstorms.
Cyclone & Storm
Crop and property damage from cyclones and severe storms.
Prevented sowing
Up to 25% of sum insured when adverse weather stops sowing.
Post-Harvest Losses
Crops left to dry in the field in "cut and spread" condition are covered for up to 14 days against cyclone, cyclonic rain and unseasonal rain.
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 (PMFBY) — Crops left to dry in the field in "cut and spread" condition are covered for up to 14 days against cyclone, cyclonic rain and unseasonal rain.
- 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.
- Animals outside the age limits in the policy are not covered.
FAQs
Farmers pay 2% of the sum insured for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and up to 5% for commercial and horticultural crops. The rest of the premium is paid by the Central and State governments.
Yes! Epidemic diseases causing mortality are covered, but vaccination compliance may be required.
Enrolment opens each season, with cut-off dates notified by your State government. Check the PMFBY portal or your bank for the current deadline.
Depends! Weather-based pays faster (no crop cutting); yield-based is more accurate.
Yes. Tenant and sharecropping farmers can enrol under PMFBY with the documents required by their State.
Based on the sum insured agreed when the animal is insured, which reflects its age, breed and milk yield.