Your plan of protection for your cultures

If you are one of the persons of the field but in occasions there are certain difficulties and you are afraid of losing everything what you have done. Since already you do not worry and it contracts an agricultural insurance.

What is? 

Good an agricultural insurance is a complete plan of protection for cultures with national coverage and the most wide range of risks. 

Here the insurer binds to indemnify a hurt in case a covered event happens, and for which the policyholder pays a certain sum of money named prize or price. 

The agricultural insurance covers certain climatic and / or biological risks, that is to say, those phenomena that affect the performance, the quality and / or the survival of the culture in verifiable form. 

This insurance is for those persons who devote themselves to the field, which have cultivated, breeding areas of animals, etc.

It offers a protection for direct loss, that is to say, they pay all the losses that are a consequence of an event that provokes a physical direct hurt the culture. There is done an appraisal of partial losses during the development of the cultures. 

Awaited productions guarantee you and we consider all the climatic and biological risks that could happen. Though you do not believe it, insurance some of them were paying the kilos they are absent tes to come to the production guaranteed only on condition of that when the fall in production should to an insured risk. 

Some of the categories of risk are:

• Human or personal risks: they are the relative ones to disease, injuries or death of the producer. 
• Risks of the resources: associated with thefts, fires and other losses or hurt of equipments, constructions and resources used for the production. 
• Risks of production or performance: associated with the effects of the climate (rain, hail, droughts), with diseases and epidemics of plants and animals.
•  Risks of prices: associated with the increase or fall of prices of products or inputs, as soon as decisions of production have taken.  
• Institutional Risks: associated with the regulative changes and of public policies that affect in the decisions of production and on the market. 
• Financial Risks: associated with the increases in the cost of the capital, rates of interest, liquidity and stability of the products on the financial markets.

Some of the agricultural reliable insurances that it is possible to contract it is MAPFRE, which protects diverse cultures in the different epochs of the year, against the diverse factors that could effect it as fires, hails, floods, between others.

The requirements for that the insurance one asks are:

• Principally the insurance will depend on the culture, location of the risk and agricultural cycle.
• As soon as I check the zone there begins the step of subscription of a risk, for what it is necessary:

1. That the culture, the zone and coverages, are in the business plan for the agricultural cycles of the year. 

2. To annex a sketch and relation of adjacent. 

3. To programme the visit of inspection. 

4. To fill the request developed and registered before the C.N.S.F. 

5. That are cultures are sinister of for way. 

It contracts your agricultural insurance and protects everything what you have achieved to have a good production with the insurance MAPFRE.