In principle, against all the risks that come from an abnormal variation in natural agents. The damages caused to agricultural, livestock (including fish farms) and forestry productions are covered, as a result of:

• Abnormal variations in natural agents: hail, frost and fire, amongst others.
• Diseases/accidents that affect the livestock.
• Forest fires (without including injuries to people taking part in the extinction activities).

However, the cover conditions must be consulted for each case.

The installations and means of production for some agricultural productions may be insured. Each specific line should be consulted.

No. In order to take out a policy from this field you must go to any of the coinsurance companies that appear on the web site of Agroseguro, except for the Consorcio de Compensación de Seguros, as it has no commercial function within this field.

The Consorcio would take on the risk cover in the Combined Agricultural Insurance for the part that has not been subscribed by the companies on the table.

The Ministry of Economy, Trade and Enterprises establishes the reinsurance conditions entrusted to the Consorcio every year for the Combined Agricultural Insurance Plan for the ongoing year.

It is a reinsurance policy for excessive losses.

The compensations are guaranteed, in the last instance, by the reinsurance supplied by Consorcio, which has sufficient reserves to face up to extensive losses.

The Consorcio performs its expert appraisal control function for the Combined Agricultural Insurance with the aim that the expert appraisals are carried out according to the regulations in force.

If you do not agree with the result of the expert appraisal, the regulations offer you different possibilities for channelling your disagreement:

Start up a procedure for contradictory analysis (according to that set forth in article 38 of the Law 50/1980, of the 8th of October, for Insurance Contract with the specifications determined in the general conditions of agricultural insurance and in the corresponding general regulation for expert appraisal).

Address Agroseguro's complaints service. This service also attends to any complaints that the insured party might have.

Another possible option, rarely used, is to go to ENESA's arbitration in equity, whenever both parties agree to this.

The CCS does not settle disagreements due to the expert appraisal.