A. Culturile agricole se pot asigura impotriva efectelor distructive ale factorilor naturali de mediu, care produc pierderi culturilor agricole, rodului viilor, pomilor fructiferi si hameiului, in 2 variante: Crops can be insured against the destructive effects of natural environmental factors, which cause losses of crops, vine fruit, tree fruit and hops, in 2 versions:

• STANDARD, care acopera riscurile: grindina, ploaie torentiala, furtuna, incendiu din orice cauza, alunecare/prabusire/surpare de terenuri agricole cultivate, inghet tarziu de primavara, inghet timpuriu de toamna; STANDARD, which covers the following risks: hail, heavy rain, storm, fire from any cause, slip / collapse / fall of planted agricultural land, late spring frost, early autumn frost;
• STANDARD REDUS, care acopera riscurile: : grindina, ploaie torentiala, furtuna(sau oricare alte 3 riscuri dintre cele din varianta denumita generic STANDARD. LOW STANDARD, covering the following risks: hail, heavy rain, storm (or any other 3 risks of those generically called STANDARD.

B. Efectivele de animale se pot asigura impotriva urmatoarelor riscuri: Livestock can be insured against the following risks:

• Boli interne, chirurgicale, obstetricale, care duc la moarte sau sacrificare de necesitate ; Internal diseases, surgical, obstetrical, leading to death or culling due to necessity;
• Accidente provocate de: meteorizare acuta; atacul animalelor salbatice; leziuni interne; castrare; distocie; intoxicatii; otravire; inundatii din ploi torentiale; revarsari de ape curgatoare; incendiu/trasnet; furtuna; cutremur; avalanse de zapada, care duc la moarte sau sacrificare de necesitate. Accidents caused by: acute tympanites, attack of wild animals, internal injuries, castration, dystocia, intoxication, poisonings, floods from heavy rains, rises in rivers, fire / lightning, storm, earthquake, snow avalanches leading to death or necessary slaughtering.