This policy provides comprehensive insurance coverage for cattle, sheep, and goats against death or disability resulting from disease and accident.

What We Cover

Payment shall be made to the farmer for the loss of livestock due to:

1. Accidental death, including:

   • Lightning

   • Internal or external injuries (on location or during transit)

   • Fire

   • Windstorm

   • Snake bites

   • Flooding

2. Terminal diseases

3. Emergency slaughter on a veterinarian’s advice

4. Calving complications

5. Epidemics

6. Transit risks within a radius of 250 kilometers

Exclusions

The policy does not cover losses due to:

1. Willful misconduct

2. Feed poisoning

3. Culling

4. Pre-existing accidents or diseases

5. Animal shows and exhibitions
   (unless declared and specifically endorsed)

6. Mysterious disappearances

7. Cattle above 10 years, and sheep/goats above 7 years

8. Drought

9. Malnutrition and dehydration