Insurance liability: fire, explosion, lightning, falling objects in the air, stillbirth, swine fever, swine erysipelas, swine lung disease, swine vesicular disease and foot-and-mouth disease, and losses caused by the killing, burying and burning of the above-mentioned infectious diseases by local governments at or above the county level. Pork pigs generally charge insurance premiums by head, without a certain amount of insurance; Breeding pigs are determined through negotiation according to 580% of the original book value or feeding cost. If the insured pig dies in an accident during the insurance period, the pig shall be compensated according to the weight at the time of death and 50-80% of the purchase value of the pig, or the corresponding grade quota compensation shall be agreed; Breeding pigs are compensated according to the insured amount.
The following are some terms of pig breeding insurance of an insurance company.
general rule
Article 1 This insurance contract consists of insurance clauses, application forms, insurance policies, insurance certificates and approval forms. Any agreement on this insurance contract shall be in written form.
object of insurance
Article 2 Pigs that meet the following conditions can be used as the subject matter of insurance in this contract (hereinafter referred to as "insured pigs"):
(a) the establishment of the farm has been approved by the administrative department of animal husbandry, and the animal epidemic prevention certificate held by the insured is true and effective;
(two) the insured pig breeds must be raised locally 1 year or more (inclusive);
(3) The management system is sound, and the pigsty is hygienic, which can ensure the feeding quality;
(4) Pigs are free from disabilities and diseases, with good nutrition and normal feeding management, and can be vaccinated according to the immunization procedures stipulated by the animal epidemic prevention department and recorded.
Article 3 The following pigs are not the subject matter of this insurance contract:
(1) Jeans with a single weight below 10 kg (inclusive);
(two) pigs have been slaughtered;
(three) pigs in a dangerous state;
(4) Production of boars and "fertile sows".
insured liability
Article 4 During the insurance period, the insurer shall be responsible for compensation for the death of the insured pig directly due to the following reasons:
(1) The insured pig died within 72 hours due to fire, explosion, lightning strike, typhoon, storm, tornado, rainstorm, waterlogging, snowstorm, falling objects in the air and other reasons;
(2) Foot-and-mouth disease (including insured pigs in "epidemic areas" and "epidemic spots"), classical swine fever and highly pathogenic blue ear disease;
(3) Side effects of normal immunity (except emergency immunity).
exonerate
Article 5 The insurer shall not be liable for compensation under any of the following circumstances:
(a) intentional or gross negligence or mismanagement of the applicant and his family members, the insured and his family members, the employee of the applicant or the insured; Malicious behavior of others;
(2) Administrative acts or judicial acts;
(3) Concealing the epidemic situation, failing to report to the animal epidemic prevention department, and failing to take effective disaster reduction measures, resulting in increased losses.
Article 6 The insurer shall not be liable for the following losses and expenses:
Harmless burial, incineration and disinfection costs;
(2) An animal attacks or bites and causes death;
(3) Deductible calculated according to the deductible stipulated in this insurance contract.
Article 7 The insurer shall not be liable for other losses and expenses not covered by this insurance.