保障玉米作物与圣诞老人的5个理由

保障玉米作物与圣诞老人的5个理由

随着持续的干旱和不断变化的天气模式,crop insurance对于玉米生产者来说比以往任何时候都更重要。在专家中间人的帮助下,他们可以更好地了解他们的风险,如何确定其保险损失以及如何做出他们所要求的封面的明智决定。以下是为什么客户应该使用Santam保护其作物的五个原因。

  1. 保护作物的保险

玉米生产者从玉米的种植和销售中赚钱。因此,他们选择保险产品是有意义的,这些保险产品可以保护其作物,而不是只有一些有助于最终收获的因素。目的是仅用于少数赛季的目的,例如“降雨量不足”或“营养生长不足”。即使一个或两个因素是积极的,它仍然不保证收获良好。

  1. Remunerated for their loss in yield

当玉米的价格是他们的优势时,可以理解的是,玉米制片人不会希望与保险公司分享他们的利润。玉米制片人可能希望享受玉米价格的所有好处,更倾向于在玉米价格上造成肥大损失,以便在取出保险时选择。玉米生产商不希望他们的价格受益于以遭受的收益损失计算,以便最大限度地减少保险索赔。

  1. 每个农民的实际个体产量与同一地区一群农民的平均产量

你不能放之四海而皆准的方法应用于crop insurance. No two neighbouring farms will ever get the same amount of rainfall each season. They will never start planting on the same day, nor will they use the same seeds, cultivation practices and fertiliser programmes. It is not realistic to expect that all maize producers in the same area will have the exact same yield per hectare in any given season, therefore it doesn’t make sense for an individual insured loss to be calculated on the average maize yield of all the producers in a specific area.

Your client will likely know from experience that there are huge differences in yield just among the various fields on their farm – never mind the difference between their harvest and that of other producers in their area.通常,玉米制片人将选择享受掩盖自己长期平均产量与他们在收获季节实现的产量之间的差异。

  1. 世界知名产品

Your clients will only use the very best, world-class production tools, therefore it makes sense for them to choose an insurance product that large numbers of commercial maize producers all over the world use to protect their crop.

  1. 良好的记录

当客户被圣诞老人保险时,他们可以欣赏到理解农业行业需求的技术专家完全涵盖的作物和资产。我们是唯一拥有经过100年的经过验证的赛道记录的南非保险公司。

如果您对Santam的作物保险有任何疑问,请与您的关系经理联系。有关中介机构量身定制的更多建议,visit our blog对于有用的产品相关的文章,例如how farmers can better understand their risk and liability

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