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Crop insurance cover is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.

Buying a crop insurance policy is one way to protect yourself against loss of your farming investments, as well as manage risks such as drought, flooding, pests and diseases. However, good agricultural practices are still required in the farm in order to get the expected yields.

We have a team of actuaries who calculate premiums depending on the risks a farmer wishes to cover. Our replanting guarantee cover however does not cost the farmer anything. It only requires the farmer to buy the seeds and register for insurance.

Farmers can take a cover against undesirable weather events such as delayed rains, drought and excess rainfall which causes production loses.

Applying for an insurance cover is very easy. Farmers should apply for a cover before planting. You will not need to make a physical presence to ACRE Africa offices; you will only need to provide us with your physical location, acreage and the risks you would like to cover. ACRE Africa staff will be present to answer all your questions. You will then pay a premium to the insurance company. In the event of loss, you will be covered and compensated.

In case of no loss, you will not get your premium back.

Index insurance is a relatively new but innovative approach to insurance provision that pays out benefits on the basis of a predetermined index (e.g. rainfall level) for loss of assets and investments, resulting from weather and catastrophic events, without requiring the traditional services of insurance claims assessors. It also allows for the claims settlement processes to be quicker and more objective.