What We Cover
When we look at this policy, it resembles a relay as in athletics where each competitor takes over from a colleague in order to complete a race. This policy is a continuation of Hail & Wind policy in that it takes over from the time the tobacco leaf is cured in the barn, from there it is taken to the grading shed, then storage shed and eventually bailed. Cover continues for the tobacco leaf whilst it is in transit and ends when the tobacco is in the auction floor. As the name suggests, cover also extends to cover the infrastructure used in the tobacco value chain, that is the barns, storage sheds, grading sheds including the engineering thereat.
Tobacco Leaf
- Fire
- Lightning
- Explosion
- Theft (Qualified)
- Accidental damage in transit
- Overturning & Collision in transit
Perils
- Fire
- Lightning
- Explosion
- Malicious damage
- Windstorm
Perils
A list of mishaps you’re protected against (“perils” in industry speak) is actually pretty broad. Here’s a list of perils covered by THI Crop Cover:
- Fire
- Frost
- Flooding
- Hail and wind
- Malicious damage