Agriculture Insurance

We provide agricultural insurance at acceptable levels appreciated by various local and international institutions and authorities responsible for insurance regulations in the country.

We have experts in agricultural insurance and agriculture in general to ensure that agricultural insurance brings productivity to the beneficiaries in all aspects of expertise and compensation when challenges arise in agriculture activities.

Agricultural insurance protects against loss or damage to crops and livestock. It has great potential to provide value to farmers investiments and their communities, both by protecting when shocks occur and by encouraging greater investment in agriculture industry.

Covers we offer are;

1) Crop Insurance

2) Livestock Insurance

3) Poultry Insurance


Is a risk management tool that protects standing crops against natural disasters, it is like placing a safety net under cash income so you can financially meet both your personal and business obligations.

In crop insurance we offer three covers as detailed below;


MPCI covers crop loss, including lower yields or loss on inputs caused by natural events, such as:

  • Destructive weather (hail, frost, damaging wind etc.)
  • Uncontrolled pests and diseases.
  • Drought as per policy wording
  • Fire.
  • Flooding.
  • Wild animals
  • Excessive rainfall

Weather-based crop insurance is a powerful for stabilizing farmers’ income by providing timely payouts directly linked with weather parameters.

Most of rural Tanzanian farmers are vulnerable to a range of risks and constraints that affect their socio-economic development.

Weather risk, in particular, is a big challenge in agriculture. Weather shocks can trap farmers and households in poverty, but the risk of shocks also limits the willingness of farmers to invest in measures that might increase their productivity and improve their economic situation


Is a crop insurance that offers protection against all natural catastrophes and biological perils that could influence on reduction of crop yields.

The specific of the product is that the farmer insures the average yield expected in a particular area, not the individual yield. The losses are measured as the difference between the actual yields and the insured average yields in the indexed area.

Farm equipments

We also provide covers for farm equipments and machinery to make a client having all the insurance concerning agriculture activities from one stop centre, machines and equipments ensured are;

Combine harvester

Farm Tractors

Boom sprayers

Farm premises

Warehouses with or without produces inside etc

Premium calculations

Premiums will be charged according to the following factors;

  • Type & Variety of Crop
  • Susceptibility of Crop to perils
  • Location
  • Growth Cycle (Planting and Harvesting dates)
  • Spread of the crop
  • Loss Experience
  • Sum Insured
  • Cover type
Period of insurance

From date of affecting cover to date of harvest for all seasonal crops and one year period for perennials.

Underwriting requirements

Each crop is valued on the historical average yield based on at least past five consecutive seasons. The proposed limit of indemnity should not be more than what the farmer has achieved in the past five seasons.

Below are the requirements to be observed by insured:

  • Completed proposal form – due diligence (client & particular crop).
  • Records over the years (yields, stock taking records, asset registers, farm loss records)
  • A field cultivated for at least three or more seasons.
  • Observing best practice (Planting within a calendar, on time weeding, fertilizing and other farm operations)
  • Farm visits are key – assess general farm management, (infrastructure, human resources & processes).
Claims procedures and payout for all types of crop insurance.
  • In case of any sign of potential loss, farmers must report immediately to the insurer for appropriate advice on the procedures and documentation requirements
  • Loss assessor/adjuster will be assigned to attend the case as soon as possible.
  • Upon agreement of the loss (either total or partial loss), Insurer will issue a discharge Voucher (DV) to settle the claim.
  • Insured will sign a discharge voucher and Insurer will process the payment
  • The mode of compensation will be based on the policy.

Livestock Insurance covers against losses due to accidental death, diseases of terminal nature, Flooding, Calving risks, emergency slaughter on the advice of a qulified and recognized veterinary surgeon and theft of livestock in raising units or paddocks.

We offer flexible and individually tailored livestock insurance coverage for a variety of clients - from private farm owners to commercial operations.

It covers dairy cattle, beef cattle, pigs, sheep and goats

Basis of cover

Health status: Certified by qualified vet doctor/officer.

Identification: Using Tag / any where applicable.

Practices: Good animal husbandry practices.

Age limits:

Cattle – 90 days to 8 years

Shoats, sheep and goats – 60 days to 5 years

Sum Insured Valuation:

As provided or evaluated by a qualified vet officer and agreed between Insurer and the insured.

What is not covered (where applicable):

1. Death/Loss of livestock due to;

  • Diseases in the first 30 days after cover inception
  • Pre-existing condition
  • Mysterious disappearances
  • Drought, malnutrition and dehydration

2. Vaccination, treatment and postmortem costs

3. Inability of the animals to perform the tasks for which they are employed for

4. Death of animals outside the limits of the situation of risks as stated in the schedule

5. Losses arising from feed or spray poisoning

6. All losses caused by mismanagement including malnutrition, dehydration, famine, diseases that must be vaccinated against.

7. Animal shows and exhibitions

Basis of Claim Settlement:
  • The policy cover of the insured animal must be active.
  • Veterinary certificate of loss and a written postmortem report from a qualified vet surgeon must be provided.
  • Assessment is based on the value of the animal as proposed in the proposal form.
  • Positive identification of the carcass.
  • The policy will not pay for losses arising from negligence on the part of the client.
Brief Description

This provides indemnity to Poultry birds which includes layers, broilers and hatchery birds. (Breeding stock) which are exotic and cross-bred. Indigenous and non-discriptive birds will not be insured.

Covered Risks

The policy shall provide indemnity against death of birds due to accident (including fire, lightning, flood, cyclone, strike, riot and civil commotion and terrorism) or uncontrolled diseases contracted or occurring during the period of insurance.

Age limits for a bird to be insured

Layer birds – 1 day old to 72 weeks

Broilers – 1 day old to 8 weeks

Hatchery Birds – 1 day old to 72 weeks

Premium rates

Rates shall be fixed per bird for each of the following groups according to market conditions, mortaility experience and veterinary service promptness.

(i) Layer birds

1 day old to 20 weeks

20 weeks to 72 weeks

(ii) Broilers

1 day old to 8 weeks per batch or per annum

(iii) Hatchery

1 day old to 72 weeks

(Extra premium to be charged for every additional increase than the maximum value fixed for the bird.)

Sum Insured

The market value of birds varies from breed to breed, area to area and time to time. Guideline valuation chart should be mapped out to be approved and attached for fixing the maximum sum insured per bird and to be the base of settling claims afterwards.

Major Exclusions

Wilful injury, transit by any mode,theft and clandestine sale,intentional slaughter, Avian Leucosis, complex disease, war and nuclear perils, improper management, undergrowth, cannibalism, loss of productions, predators action, permanent and partial disablement, loss of production and standard exclusions.

Veterinary Examination

A Veterinary Certificate from a qualified Veterinarian showing the following details is necessary for acceptance of risk:

  • Type of Birds
  • Age of Birds
  • Details regarding housing, light, ventilation, temperature, insulation, floor, feeds, water, sanitation etc.
  • Vaccination and inoculation particulars
  • Condition of health
  • Type and source of feed
  • Details of equipment used for daily operations
  • Details of management/staff
  • Veterinary assistance
  • Mortality rate with reasons for the last 2 or 3 years
Important policy condition for poultry Insurance
  • The poultry farm should have a veterinary facility.
  • The cages if used must be maintained properly.
  • Proper housekeeping.
  • In the event of an outbreak, all healthy birds should be segregated and all precautions should be taken to arrest the spreading of the disease, under advice to the Insurance Company immediately.
  • Proper balanced standard feed and clean water should be supplied to birds.
  • Proper flock record should be maintained on a day to day basis.
  • Transfer of interest/ ownership is not allowed.
  • In case of death/ outbreak of epidemic immediate notice within twelve hours should be given to Company. All birds should be segregated and produced to the representative of the Company or to any person authorized by the Company.
Insured responsibilities

1) According to the vaccination programs get the whole chickens vaccinated against common and prevalent diseases.

2) Maintain good poultry management practices.

3) Maintain daily production records.

4) Comply with the rules as per local legal requirements.


1) Post mortem report should be prepared by a qualified and certified veterinary officer/surgeon within 24 hours after death.

2) Report the death and loss incident to the insurance company in 12 hours.

3) Submit claim documents to the insurance company within 14 days of the loss, including insurance policy papers, duly claimed papers, post mortem reports.


Proposal form filling.

Personal details


Acreage/No of animals

Previous experiences


Payment is done.

Pre-cover survey / inspection.

Issuance of insurance certificate and a policy document.

Subsequent field visits.

  • Protects low income households against insured hazards on financially sound basis - providing indemnity.
  • Bridge the gap between farmers and financial institutions - farmers access to agriculture loans as farmers do not have physical collateral for loan processing
  • Building capacity on better farming practices to farmers - farmer’s access to training from our professional agriculture experts.
  • Improvement of farmers livelihood - income generation
  • Employment generation – many enrollments as they will be peace minded
  • Providing stimulation in the agriculture value chain
Proposal Form