Insurance of Agricultural crops
From the first seed you plant to the moment of harvest, your work demands care, diligence, and perseverance. You know the land — its generosity, but also its unpredictability. With our Crop Insurance, you gain peace of mind backed by a trusted partner with over 29 years of experience. You can insure all types of agricultural crops, fruit trees, permanent and forest plantations, as well as the long‑term tangible assets of agricultural producers and beneficiaries of the Agriculture Fund. With us, your efforts are protected every step of the way.
Direct quantitative damage to crops and the costs of limiting the extent of damage caused only on the territory of Bulgaria are covered.
- Fruit, vegetable, rose, and blackberry gardens, vineyards, strawberries, raspberries, cultivated rose hips, cultivated blackberries, fruit nurseries, queen bees, rootstocks, medicinal plants, blackcurrants (cassis), hops, seedlings, seedbeds, flowers for seed and sale, crops in greenhouses and hothouses, etc.
- Permanent crops as long‑term tangible assets (LTA), including newly established and fruit‑bearing plantations such as vineyards, orchards, strawberries, raspberries, blackberries, cassis, roses, lavender, hops, etc.
- Ornamental plants — trees, shrubs, gardens, outdoor cultivation, and ornamental nurseries.
- Forests and forest belts up to 5 years old, as well as forest nurseries.
The insurance is suitable for farmers, individuals, legal entities, and sole traders operating within the territory of the Republic of Bulgaria. It is issued on the basis of a completed application form that includes a description of the crops, cultivated areas, and all other information required to calculate the insurance premium.
- Hail, storm, heavy rain, fire and flood.
- Late spring and early autumn frost — from 00:00 on April 20 until 00:00 on October 1.
- Frost and pulling of cereal crops and rapeseed.
- Drought affecting cereal crops and rapeseed
- Damage caused by wild animals.
- Completely destroyed plants in permanent crops (trees, vines, stumps, shrubs, etc.) as a result of hail, storm, fire, frost (including late frost), heavy rain, or flooding.
- Completely destroyed plants in newly established forests and forest belts up to five years old, as well as forest nurseries — due to hail, storm, heavy rain, or frost (including leaning/snow breakage).
- Security and peace of mind for your agricultural work.
- 24/7 support and expert advice to help minimize risks to your crops.
- Flexible options — insure all risks or selected groups of risks, as well as all your crops or only specific categories, depending on your needs.
Frequently Asked Questions
In the event of an insured event, you must contact your insurer within 7 days of becoming aware of the damage.
Whether you are a small farmer or manage a large farm, crop insurance helps you maintain stability and avoid financial losses.
It is important to notify the insurer no later than 7 days after the occurrence of an insured event. Your notification must contain the insurance policy number, the date and type of event, as well as a description of the damaged areas.
The insurance is voluntary and guarantees financial support in the event of damage to crops caused by adverse weather conditions or wild animals.
It is important to comply with the deadlines for taking out insurance:
- For frost and drought risk for cereals and rapeseed, the deadline is December 10;
- For all field crops, the deadline is June 20;
- For field-grown vegetables and tobacco, the deadline is July 15.
