Agricultural multi-risk insurance

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What is agricultural multi-risk insurance?

Our Agro Plus agricultural multi-risk insurance has been designed so your agricultural business, whether a family-run or medium-sized business, can gather in a single product the protection that you need for your business, holding and even your home.

Advantages of this insurance

Agro Plus is a comprehensive agricultural multi-risk insurance with specific coverage for your agricultural undertaking and the best advantages of multi-risk insurance policies.

Specific coverage

We offer you an insurance that considers the specific characteristics of the agricultural activity and includes the hospitality and agricultural tourism sectors.

Include your residence

The Agro Plus Insurance allows you to include your home in the insurance policy taken out for your agricultural holding and it features the best coverage.

Additional extensions

Enjoy additional guarantees to complement the coverage of your insurance, suiting it to your business' needs.

Insurance coverage

Covers designed for your operation

Our Agro Plus agricultural multi-risk insurance provides you with specific solutions for your agricultural holding in a wide variety of situations:

Fire, explosion and lightning: we cover direct damage to your facilities and property from fire, as well as the costs arising from firefighting measures.
Weather damage: caused by winds and rain of great intensity.
Electrical damage in fixed installations: caused by power fluctuations or lightning.
Water damage, including locating and repairing the damage: with this optional cover you will protect your property from water damage, taps not turned off or infiltrations in adjacent buildings.
Operations, employers and product civil liability: by including this optional coverage, we will respond and defend your interests against any potential third-party claims related to your business' operation, accidents sustained by employees and your products. You will also be able to include coverage against civil liability for sudden accidental contamination.

Specific cover to protect your livestock and items in fields

Death of livestock: by including this additional cover, we guarantee an indemnity for the loss of livestock on the farm in situations such as fire, flooding or attacks by wild animals, among other covers.
Rustling: we also provide you the option of receiving compensation if your livestock is rustled.
Theft of items in fields: if you include this cover, we will be responsible for financially replacing the theft of items which due to their nature have to be outside the main building, but within the farm.

Covers for your home

If your property is located within the farm's agricultural holding, our Agro Plus multi-risk agricultural insurance offers you the option of including it in the same policy, offering you coverage such as:

Essential covers: you will enjoy the protection that your home needs in the event of damage caused by fire, electrical damage to installations and electrical household appliances, atmospheric phenomena, aesthetic damage or vandalism, among others.
Extended protection: thanks to optional coverage, such as damage caused by water spillage or leakage; breakage of glass, mirrors, sanitary fittings and glass ceramic plates; Burglary, robbery, and theft of your goods; or Family civil liability, in the event of the property being in permanent use.

More optional coverage

Theft and robbery

By including this complementary guarantee, you will be protecting your merchandise against theft in your establishment, as well as any possible damage sustained as a result thereof.

Loss of profits

When taking out this complementary coverage, our agricultural insurance guarantees you the payment of compensation if the direct interruption of the insured activity occurs, as a result of a loss covered by the insurance contract, caused by fire, explosion, lightning, atmospheric phenomena or flooding.

Machinery breakdown

We will take care of the damage sustained by the machinery and equipment connected with your activity in the event of the accidents provided for in your policy.

Electrical damage in the business' devices

This additional guarantee covers damage sustained to your business' electronic and electrical machinery and devices due to abnormal currents by electricity or lightning.

FAQs

Who is this insurance for?

The multi-risk agricultural insurance Agro Plus is aimed at the owners of agricultural, livestock or farm holdings who need to cover multiple risks under the same insurance policy, and who also want to have the option of including their property insurance in the same agreement.

What is considered a “container?

Provided that the following items have been included in the insurance contract, they shall be considered as part of the premises:

All constructed items which constitute a building, hangar or dwelling. Includes fixed tanks and silos, as well as foundations, doors and windows.
Attached constructions located in the place of exploitation, such as sheds or containment walls.
Fences and walls of buildings.
Fixed installations for water, sanitary fittings, gas, electricity, telephone and air-conditioning services, as well as fire extinguishing and security installations.
Awnings, signs and placards attached to the buildings insured.
Repair or decoration work carried out by the insured party.
Rafts for irrigation.

What is considered “content”?

The content of the farm includes the following items:

Machinery, electronic equipment, transformers, solar energy installations, irrigation equipment, tools, utensils and work instruments specific to the farming activity insured.
Non-fixed decorative items and farm furnishings.
Stock, considering as such: raw materials, products in any phase of the manufacturing process, products for sale, manure, fodder, spares, accessories and other items used in the activity insured

In the case of your dwelling being included, the items considered content of the dwelling will be all objects inside to render it habitable, such as furniture, household items or personal effects and which do not form part of the constructive elements.

Is this insurance suited to my activity?

Certainly, if your activity is part of the agricultural, livestock or farming sector, especially if involved with sheep, goats, pigs or rabbits, and farms and agricultural undertakings in general, as well as establishments related to the hospitality sector or agrotourism.