Insurance of crops and fruits

Don’t let natural disasters take you by surprise

Agriculture is highly susceptible to the effects of natural disasters, which can severely jeopardize yields and crop quality. Insurance of crops and fruits is an important protective measure that allows farmers to recover financially from damage caused by adverse weather conditions such as hail, storms, droughts or frost. This type of insurance is an excellent preventive measure and financial protection that ensures the stability of agricultural production all year round.

Why is insurance of crops and fruits important?

We’re witnessing unpredictable weather events, such as storms, droughts, floods and frosts, which are becoming increasingly frequent and intense, and inevitably causing damage to agricultural products.

With agricultural insurance, you can take preventive measures to protect your agricultural production and mitigate the risks of unexpected losses. In addition to agro-technical measures, agricultural insurance becomes a necessity under such conditions as an essential financial safeguard. Insurance of crops and fruits helps you protect your agricultural yields against the many threats they face throughout the year.

Benefits of insurance of crops and fruits

Financial security: insurance helps you recover from losses caused by natural disasters, ensuring the stability of your business.
Comprehensive protection: coverage includes a number of risks such as hail, fire, thunderbolt, and other hazards that may affect the quality and quantity of your crops.
Flexible terms and conditions: insurance is available for various types of crops and fruits, including those grown in greenhouses, plastic tunnels, orchards, vineyards, and vegetable fields.
Convenient payment options: premium is paid after the harvest, allowing for better financial planning.

With our insurance of crops and fruits, focus on your production and let us take care of protecting your investments.

Secure your future yields – stay protected all year round

With insurance of crops and fruits, you can protect your yields from a wide range of risks, including loss of quality and quantity caused by natural disasters.

With flexible insurance terms and conditions covering different types of risks, your agricultural production remains secure all year round. Turn severe weather conditions into opportunities with DDOR and secure a stable future.

What can you protect your crops and fruits from?

DDOR offers comprehensive protection for agricultural crops and allows you to insure different types of crops and fruits against numerous risks that could affect your production. Regardless of whether you grow annual or perennial crops, we provide insurance cover for all stages of production and different types of crops. In this way, your investment remains protected all year round.

We offer insurance for all types of crops:

Annual crops
Perennial crops
Main crops
Secondary crops
Stubble crops

You can insure your crops and fruits against basic and supplementary risks.

Basic package

Payment of indemnity in the event of hail

Payment of indemnity in the event of fire

Payment of indemnity in the event of thunderbolt

Supplementary package

Supplementary insurance against windstorm

Supplementary insurance against spring frost

Supplementary insurance against autumn frost

Supplementary insurance against flood

Supplementary insurance against loss of seed quality

Risks arising after the harvest

Customized insurance options

We also offer customized options that provide additional protection for specific crop types and production conditions. These options allow for flexible insurance coverage of your crops, further enhancing the security and stability of your production.

You can stipulate the following customized insurance covers:

insurance of crops and fruits in greenhouses and plastic tunnels;
insurance of fruit trees and grapevines, both before and after they start bearing fruit;
insurance of fruits against loss of quantity and quality;
insurance of table grapes against loss of quantity and quality;
insurance of vegetables against loss of quantity and quality.

My benefits

Premium for the insurance of crops and fruits is paid once the harvest has been completed.
Premium is paid for the sum insured which is determined on the basis of the expected yield per hectare and the price per kilogram.

You might also want to know

What are the insured's rights and obligations?
Insuring your crops and fruits gives you the right to indemnity for damage to or destruction of crops and fruits caused by covered risks. To exercise this right, you need to fulfill the following obligations:
- When concluding the contract, insure all areas planted with the same type of crop that you own.
- Make sure you pay the insurance premium in accordance with the agreed dates during the insurance period.
- In the event of damage, report the insured event and provide the necessary information and evidence. You must also employ additional agro-technical measures to mitigate the adverse effects.
How can I pay the insurance premium?

You can pay the insurance premium in full when signing the contract, or in installments. The payment dynamics are aligned with expected agricultural yields.
How is premium determined?

The insurance premium amount depends on the type of crops and fruits, the size of the insured area, the expected yield, and the risks covered by the contract. Specific details are determined based on the insurer’s assessment and your individual needs.

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