meat and egg poultry produced by industrial method (at poultry factories)
Insurance risks:
Death/mortality of animals as result of:
infectious diseases;
accidents (suffocation, freezing, heat stroke, which result from unplanned outage or as result of accidents and thermal power stations);
natural disasters;
fire and accompanying risks.
Forced slaughter on orders from the territorial service of veterinary oversight in connection with fight against epizootic outbreaks.
Additional risks:
improper actions of third persons;
theft with trespassing, robbery.
Documents necessary to draw up insurance policy:
a questionnaire and request form (provided by Ingosstrakh specialists);
inventory of poultry population (quantity, species, breed, value, inventory of poultry stock at the moment of insurance, method of production registration, etc.);
record of veterinary inspection of the animals;
veterinary registration certificate;
plan of anti-epizootic events for the year ahead;
contour map of the enterprise with specification of production premises, gaps between production buildings, decontamination centers;
veterinary certificate – if poultry stock is being purchased.
Ingosstrakh has a right to:
carry out pre-insurance inspection of the poultry factory (production buildings, workshops, decontamination centers, etc.);
request additional documents that confirm vaccinations, observance of feeding norms and other activities foreseen by the technology of poultry production.
Main factors that influence the cost of insurance:
duration (experience) of enterprise’s work in this sphere;
presence of qualified specialists of veterinary and livestock services;
production goal (meat production, egg production, poultry breeding, mixed);
technologies used in poultry production;
value of poultry population;
condition of the poultry factory’s equipment (presence of two and more independent electricity inputs, the year when the capital repair of equipment and production facilities was done, presence of emergency equipment, etc.);
observance of veterinary and sanitary legislation;
history of losses at the enterprise over the previous 5 years.
Insurance conditions:
Franchise (insurant’s partaking in the risk) – is set in order to exclude economic risks within the framework of production process from insurance coverage. These risks do not influence the enterprise’s financial condition. Use of franchise helps to decrease the cost of insurance to the maximum.
Insurance rate (tariff) is set individually for each poultry factory based on results of evaluation of the information provided by the enterprise and/or of conducting survey (pre-insurance examination) and also depending on the chosen size of franchise.
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