Animal and Crop Insurance
Protects farmers against specified agricultural losses, including livestock loss or death and crop damage caused by insured events such as disease, fire, drought, flooding and adverse weather.
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Livestock Mortality Cover
Cover for cattle, goats, sheep, pigs and poultry against death caused by insured perils such as fire, lightning, flooding and the specified diseases listed in your policy schedule.
Fire, Lightning & Drought-Related Loss
Protection against fire and lightning strike on the farm, and loss linked to drought conditions, subject to the policy terms and any drought extension you have taken out.
Crop Damage from Storm, Hail & Flood
Physical loss or damage to growing crops from storm, hail, flood, heavy rain and other adverse weather events named in the policy, up to the sum insured for the season.
Theft Under Specified Conditions
Cover for theft of livestock where the policy conditions are met, which usually includes a prompt police report and documented proof of ownership of the animals concerned.
Harvested Crops in Store
Protection for produce that has already been harvested and stored on the farm, subject to the storage conditions in the policy and the limits that apply to stored grain and other produce.
Fair Valuation on Claims
Livestock is generally settled at market value and crops on an expected yield or input cost basis, so the basis of settlement is agreed with you before cover begins.
Why Animal and Crop Insurance Matters
Drought Keeps Coming Back
Kenya's rainfall is unreliable and getting less predictable. One failed long rains season can wipe out a maize harvest and leave a farmer carrying debt with no income to service it.
Livestock Is a Savings Account
A herd or flock represents years of investment. A single outbreak of disease, a lightning strike on the night shelter or a flood in the valley can wipe out that capital almost overnight.
Hail and Flood Hit Hard and Fast
Hailstorms in the highlands and flash floods in low-lying areas can destroy standing crops in minutes, after months of work and tens of thousands of shillings in input costs.
Farm Loans Usually Require Insurance
Banks, SACCOs and development lenders commonly require insurance on financed livestock or crops as security. Cover protects the asset for both you and the lender for the whole loan period.
Inputs Are Paid Before Any Harvest
Seed, fertiliser, sprays and labour are paid up front, long before the crop is sold. Without insurance, a total loss means you carry the entire cost with no way to recover it.
Small Losses Hit Households Hard
For smallholder families, losing poultry or a goat means losing school fees, medical money and food at the same time. Insurance smooths the shock before it reaches the household.
How It Works
Declare Stock & Acreage
We record the number and species of your livestock, their ages and values, plus the crop type, acreage and expected yield or total input cost for the season.
Choose Perils & Sum Insured
You select the insured events such as fire, disease, flood, storm and theft, decide whether to add a drought extension, and set the sum insured on a market value or yield basis.
Cover in Force
The policy runs for a season or a full year, protecting the declared stock and crops throughout the covered period on the farm where they are kept.
Lodge a Claim
Notify the insurer immediately, obtain a veterinary report for livestock deaths and a loss adjuster inspection for crops, and produce your husbandry and vaccination records.
Types of Animal and Crop Cover
Choose the cover that protects your stock, your crops or the whole farm in one policy.
Livestock Insurance
Protects cattle, goats, sheep, pigs and poultry against death from insured perils and specified diseases, subject to the vaccination and husbandry conditions in the policy.
- Cattle, goats, sheep, pigs and poultry
- Death from insured perils and disease
- Fire, lightning and flood cover
- Theft under defined policy conditions
- Settlement at market value of the stock
Crop Insurance
Protects growing and harvested crops against physical loss or damage from the insured weather and other perils, for the season and the acreage you declare.
- Growing and harvested crop cover
- Fire, flood, storm, hail and adverse weather
- Drought cover via specific extension
- Some disease and pest damage clauses
- Sum insured based on yield or input cost
Combined Farm Package
Livestock and crops together, with optional farm structures and equipment. One clean policy for mixed farms and for satisfying agricultural loan conditions.
- Livestock and crops on a single policy
- Optional farm buildings and equipment
- Wider peril set than stand-alone covers
- One renewal date and a single premium
- Accepted by most agricultural lenders
Who Is This For
Smallholder Farmers
Farmers with a few head of stock or one season of maize, beans or horticulture can protect the household asset base against the weather and the unexpected.
Commercial Livestock Keepers
Dairy, beef, goat and poultry operations running larger herds need cover sized to the full replacement value of the stock, not a token figure.
Grain, Coffee & Tea Farmers
Growers of maize, wheat, coffee, tea and other crops can protect the season's output and the income, school fees and repayments that output funds.
Farmers with Loan-Backed Operations
Farmers financing input costs or equipment through a bank or SACCO often need insurance as a condition of the facility, with the lender named on the policy.
Common Mistakes to Avoid
Undervaluing your stock
Insuring a cow worth KES 80,000 for KES 20,000 saves a little premium but leaves you heavily under-insured. When you lose the animal, the claim is reduced in proportion to the shortfall.
Not keeping vaccination and husbandry records
Most policies make basic vaccination and husbandry conditions part of the contract. Without records, a disease claim can be reduced or declined even when the loss itself is genuine.
Assuming drought is always covered
Drought and prolonged dry spells are usually an optional extension rather than a standard peril. Read the schedule and ask specifically about drought before the season starts.
Taking out cover after the loss event
You cannot insure a flood that has already happened or an outbreak that has already started. Arrange cover at the start of the season, while the risk is still ahead of you.
Frequently Asked Questions
Is drought cover included automatically?
Not usually. Drought and extended dry spells are typically offered as an extension for an additional premium, or covered under a named-peril crop product. Confirm the position with us before you plant.
How are livestock valued in a claim?
Livestock claims are usually settled at the market value of a similar animal at the time and place of loss, based on the sum insured you declared when the policy was taken out.
Which animals can be insured?
Cattle, goats, sheep, pigs and poultry are the most commonly insured livestock. Some insurers also cover camels, donkeys and specialty stock, so ask about your specific animals.
What records should I keep on the farm?
Vaccination cards, treatment records, purchase invoices and regular herd or flock counts, plus for crops the planting date, acreage and input receipts. Records make claims much faster to settle.
Are newborn animals covered?
Calves, lambs, kids and chicks can usually be added once they meet the age or waiting period stated in the policy. Declare them promptly so they are not left out of the schedule.
Does crop insurance cover pest damage?
Some policies include limited disease and pest clauses, while others restrict cover to weather and fire perils. Check the wording if pests such as locusts or fall armyworm are a concern in your area.
Can my bank require farm insurance?
Yes. Lenders commonly require insurance on financed livestock or crops as security for the loan, and will ask to be recorded as an interested party until the facility is cleared.
What should I do if an animal dies overnight?
Notify the insurer and the local authorities as soon as you discover the loss, and arrange veterinary certification or a post-mortem as quickly as possible. Unexplained deaths may not be covered without evidence.
Real Talk
Farming in Kenya is a bet on the weather every single season. The long rains can fail, the river can rise overnight, and a herd that took ten years to build can be gone by morning.
Insurance will not bring the rain or hold back the flood. What it does is stop a bad season from becoming the end of the farm.
Insure the farm before the season, not after the loss.
Animal and crop insurance products are offered by licensed insurance companies. Coverage, limits, exclusions, and premiums vary by insurer, livestock type, crop, region and husbandry practice. The information on this page is for general guidance only and does not constitute a quotation or binding offer. Please contact us for personalised quotes and advice tailored to your farm and your season.
Protect the Farm Before the Season
Whether you keep a few head of cattle or a hundred acres of maize, get covered at the start of the season. One policy, complete protection.
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