The insured farmer is covered against reduction of target yield as a result of the following Perils:

1. Uncontrollable pests and diseases;
2. Hailstorm damage,
3. Flooding,
4. Fire and lightning,
5. Non- Political Riot,
6. Spray chemical from adjoining farms,
7. Malicious damage,
8. Explosion,
9. Windstorm and
10. Direct Transit of harvested crop to Depot