The insured farmer is covered against reduction of target yield as a result of the following Perils:

  1. Uncontrollable pests and diseases;
  2. Hailstorm damage,
  3. Flooding,
  4. Fire and lightning,
  5. Non- Political Riot,
  6. Spray chemical from adjoining farms,
  7. Malicious damage,
  8. Explosion,
  9. Windstorm and
  10. Direct Transit of harvested crop to Depot