This policy provides comprehensive insurance coverage for all fish farmers, including both pond and caged fish, during the stages of breeding, raising, and harvesting.

It covers Tilapia, Catfish, and Trout, and protects against losses resulting from diseases and natural calamities.

What We Cover

The policy includes protection against the following risks:

1. Accidental death of fish stock due to:

   • Water pollution from external sources

   • Flooding

   • Windstorms

   • Earthquakes

   • Impact damage from falling or moving objects

2. Diseases and illnesses that cause mortality of insured fish stock, confirmed through:

   • Histological or pathological examination of dead fish

   • Certification by a recognized aquaculture veterinarian or disease expert

3. Epidemic-related death due to outbreaks of specific aquaculture diseases, as reported by the Ministry of Fisheries and Aquaculture Development

4. Stock disposal on the advice of an Aquaculture Veterinary Surgeon, with the Insurer’s consent

Exclusions

The policy does not cover losses due to:

1. Feed or spray poisoning

2. Pre-existing health conditions in the insured stock

3. Inability of the insured stock to perform the tasks for which they are intended

4. Valuation, treatment, vaccinations, and post-mortem costs

5. Theft or mysterious/unaccounted disappearance of stock

6. Mismanagement, including malnutrition

7. Loss of stock occurring outside the insured location stated in the policy schedule