The policy provides protection for various domesticated animals against damages caused by the following risks:

• Burglary
• Death by infectious diseases
• Death by non-infectious, parasitic and other diseases
• Death by fire, natural disasters, technical failures and crashes
• Killing of necessity by order of the veterinary authorities
• Morbid injuries after birth
• Accidents and lacerations, incisions and cuts
• Death or injuries due to a motor vehicle impact or a road accident with a motor vehicle

• Pigs kept for breeding purposes
• Horses, mules and donkeys
• Sheep, goats
• Cattle, buffaloes
• Battery bred birds
• Rabbits
• Ostriches
• Fish bred in fish-farming reservoirs
• Exotic animals
• Animals with valuable fur
• Hunting and fancy dogs
• Sport and purebred horses
• Decorative and racing animals and birds
• Beehives

Various threats of climatic conditions and natural disasters to agricultural crops and perennials are covered.

Subject to the insurance are:

• Wheat, barley, rye, oats, rice, lentils, peas, beans
• Sunflower, peanuts, sesame, soya beans
• Maize, millet, sugar cane
• Vegetables, seedlings, medicine plants, flowers
• Orchard trees: apples, peaches, apricots, cherries, morello cherries, pears, plums
• Strawberries, raspberries
• Potatoes, pumpkins, etc
• Tobacco, cotton and flax
• Ryegrass, alfalfa, clover
• Vineyards
• Agricultural crops and flowers grown in glass greenhouses with heating

• Hail
• Downpour
• Fire
• Freezing and drawing
• Thunderstorm
• Frost
• Flooding
• Sleet
• Rotting