Theft, including theft during or after the occurrence of any Insured peril, war, invasion, nuclear weapon earthquake, volcanic eruption or convulsion of nature other than those specifically covered by this insurance, loss due to insect mites, pest and disease, rainwater, deficiency of any nutrient in soil, drought, human action, birds, animals and locust, fog, high humidity, non bearing of fruits, frost, cold waves, heat waves pollution, improper maintenance, consequential loss, loss or damage due to fertilisers, manures, pesticide losses due to non compliance of standard package of practice, natural mortality, reduction in growth of tree/plant, sugar recovery in case of sugar cane.

Sum, Insured is cost of cultivation or input cost i.e. cost of raising/development of insured trees. The policy is for a fixed sum insured, which is given separately under each crop. Depending upon the need of the client. Modified input clause can be incorporated. Indemnity: The policy is a predetermined value policy. For calculating the amount of indemnity sliding scale of input is applied for each type of crop. Franchise: No claim shall be payable if amount of claim assessment does not exceed 10% of SI per acre or Rs. 1000/- per affected acre. Excess: 20% of the claim assessed per acre. Losses due to any excluded perils are quantified and deducted.

The policy covers losses due to fire including forest fire and bush fire, lightning, storm, hailstorm, cyclone, flood and inundation riot, strike and act of terrorism. Additional optional covers can be made available depending upon the crop.