Saturday, June 2, 2012

LIVESTOCK INSURANCE


Insurance of farm animals is one of the most advanced forms of protection of the agricultural enterprises of the losses occurred due to the loss, theft or destruction by order of the animal veterinary services.

On the basis of "Regulations for the insurance of farm animals" and acting legislation of the Russian Federation, we conclude contracts with legal entities of voluntary insurance of farm animals.
Insurance is accepted farm animals that are part of fixed assets owned by the Insured through ownership, lease:
• cattle;
• pigs;
• horse;
• camels;
• poultry on farms specializing in production of poultry and eggs;
• fish and shellfish .

Insurance can be carried out on all the above risks or risks insured separately selected: 1. The death (case) animals as a result of:

• disease: non-communicable, infectious, parasitic;
• fire, explosion, lightning, the electric current;
• sunlight or heat stroke, freezing (supercooling);
• an earthquake, mudslide, flood, landslide, avalanche, landslide, storm, hurricane, storm, hail, heavy rain, heavy snowfall;
• hit by a vehicle;
• attacks of animals, the bite of snakes or poisonous insects;
• accidental poisoning poisonous herbs or substances;
• suffocation (asphyxia), drowning, falls into the gorge;
• the fall of flying objects or their fragments and other items;
• other traumatic injuries.
Two. Forced to slaughter (destruction) of animals as a result of:
• Accident with the threat of imminent death;
• written orders of veterinary services in connection with measures to combat infectious diseases, epizootic or in connection with an incurable disease, which excludes the possibility of further use of the animal.

3. Theft of animals (theft, robbery, burglary) as a result of illegal actions of third parties.
insurance contract may be in obtaining a bank loan, as collateral security for credit, or as a direct insurance contract.
Sum insured
Insurance amount determined by agreement of the parties within the actual value of the animals.
Insurance rate
Basic insurance rate ranges from 0.3% to 3%.
Go to basic rates may apply correction factors based on:
• the type of animal;
• experience of the insured, the financial results of enterprises;
• the epidemiological situation in the region, country;
• other factors relevant to determining the extent of insurance risk, and determined the specific contract.

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