Livestock & Agriculture Insurance

Crop, livestock and farm-equipment cover designed around Zambian growing seasons, weather risk and the realities of farming.

Why it matters

Protect the farm. Preserve the harvest.

Agriculture feeds the country, yet it is one of the most exposed sectors: drought, floods, disease outbreaks, theft and equipment breakdown can wipe out a season in weeks.

MIRCS arranges cover for smallholders, commercial farms and cooperatives that keeps you producing after a bad season, with terms that reflect what actually happens on Zambian farms.

What it covers

Livestock: disease, theft, fire and accidental death
Crops: fire, hail and weather-related loss
Weather add-ons: drought, rain failure and flood
Tractors, harvesters and on-farm machinery
Irrigation systems, storage and farm structures
Farm buildings and dwellings
Affordable premiums with local support

Who it is for

From one field to thousands of hectares

Smallholder farmers

Practical, affordable cover for family farms, often arranged through cooperatives and outgrower schemes.

Commercial farms

Comprehensive cover for crops, herds, machinery and infrastructure, with risk-management advice included.

Cooperatives & NGOs

Group schemes that protect member farmers and programme investments across a district or value chain.

How it works

Covered in four simple steps

No forms to decode and no insurer jargon. You talk to one person at MIRCS who does the comparing, the negotiating and the chasing for you.

Step 1

Tell us what you need

Call, WhatsApp or fill in the form. A broker responds within one working day.

Step 2

We compare the market

We obtain quotes from several licensed insurers and explain the differences in plain language.

Step 3

You choose, we place it

Pick the option that suits your budget. We handle the paperwork and issue your cover note.

Step 4

We stay with you

Renewal reminders, policy changes and claims are handled by your own account handler.

Good to know

Agricultural insurance questions, answered

Still unsure? Ask a MIRCS broker directly – there is no charge for advice.

Can smallholder farmers access this insurance?

Yes. We work with individual smallholders and with cooperatives, associations and NGOs that arrange cover for groups of farmers at better rates.

What happens if I lose livestock to disease?

Insured animals that die from covered diseases are paid out at the agreed value, subject to the policy conditions on vaccination and veterinary care.

Can I insure my crops before planting?

Yes, and it is the best time to do it. Cover is arranged per season, so contact us as you plan your planting.

Do you work with cooperatives or NGOs?

We do. Group and programme schemes are a core part of our agricultural work. Contact us to discuss a scheme for your members or beneficiaries.

Ready to get agricultural cover in place?

Send us the basics today and we will come back with compared quotes within one working day.

Other cover from MIRCS

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