INSURANCE IN AGRICULTURE..

Agric Insurance policies are to facilitate better production by protecting the farmer's capital/investment and also use it as a tool for economic growth. Agric insurance is important for the growth and development of the agricultural sector in any economy. The essence of agric insurance is to protect farmers from losses resulting from hazards such as flood,fire,pest,disease and emergency control measures such as in case of outbreaks of African swine fever,bird flu e.t.c Agric insurance is also relevant in abattoir operations,with particular reference to condemnation of carcasses,organs in disease conditions and transportation accident. The benefits of insurance are enormous,aside the monetary compensation, there is access to professionals who over- see the project,certified animals are procured to start the project,data of farmers & operations are generated,it also encourages proper record keeping and disease control measures. When agric/animal husbandry projects are insured,there will be proper management ,food safety will be enhanced and wholesome products will be in our market.The fear of running at a loss is the reason why producers cut corners,avoid the necessary management protocol such as vaccination,reporting outbreaks,processing dead animals, and using unconventional feeding practices and unauthorized drugs in production to attain market weight early. The agric insurance sector though a growing industry,still has a lot to do to convince farmers to insure their businesses. A large percentage of farmers dont access this opportunity to their detriment and to the loss of the economy on a larger scale.The farmers /producers need financial bodies to work with them,to give soft landing in case of loss and to pay commensurate compensations in cases of emergency control of diseases. The farmers cant access certain loans because they are not insured; premium are not fixed and certain diseases are not included in the policies. The time to bring the farmers on board the insurance train is now; banks/ insurance companies, the farmers/food processors await your call of pocket-friendly premiums ,better pay-out policy,wider range of hazard coverage and reduced interest on loans. AGRIC INSURANCE; FOR BETTER PRODUCTIVITY, FOOD SAFETY AND ENHANCED HUMAN HEALTH.

AGRIC LOAN.

To secure an agric loan from a microfinance bank is easy and readily available; see the process Facility range: N50,000 (minimum) to N500,000 (maximum) Methodology: Individual, group and corporate Duration: 1-12 months Grace period: 30-60 days Prospective clients must be practicing farmers with verifiable evidence of existing farm investments. Benefits: No collateral Provides capital for farming activities Flexible repayment structure Low interest rates

ONE WORLD, ONE HEALTH.

One world,one health; the veterinarian and medical doctors working together on the avian influenza virus outbreak.

 Today,i went with a team of investigators from the federal ministry of health and NVRI to a farm that recently had the bird flu outbreak.

The team had to ask questions and collect samples. one world,one health,one medicine.

HOW TO SECURE AN AGRICULTURAL LOAN TO EXPAND YOUR BUSINESS.

Agricultural loans are available to most farmers,but many dont know how to access and benefit from this funds.The general notion is that the process is laborious and so cumbersome and at the end of the day no money will be disbursed,but this is far from the truth.The loans are very accessible with an easy process to get the money necessary. The major commercial banks have agric desk where they give a financial arm to agric business and farmers,the NAIC,BOA also give agric loans to assist farmers.The micro finance banks also give out loans to farmers and agric business at low interest rate and NO COLLATERAL. The micro finance banks are specifically designed to support small and medium scale businesses,giving out funds to help them grow and expand.The micro finance banks make the funds readily accessible and within a short time with workable payout plans. The amount of money disbursed depends on the size of your business,type of business you run and your financial records which will show what you can handle and will be able to repay easily. REQUIREMENT/ PROCESS TO OBTAIN THE LOAN. 1) Open an account with such bank,that must be operational,with 10% of proposed loan in account. 2) Two guarantors,that know your business operation ,have a current account in a commercial bank that is operational.These people will be available when loan is disbursed. 3)The beneficiary must give statement of account. 4) The bank official will pay visits,check record,do their own investigations and work out payable options. 5) The loan is approved. The process is simple,the micro finance banks even organize training for beneficiaries.The loan can be accessed as an individual, corporately or groups. Come and meet our bankers @ farmers bazaar holding at Ajah vet center,on the 27/8/15. The program will start@ 10am ,you will be better informed.

GLOBAL DISINFECTANT..VIROCID®

This disinfectant has been proven to be effect against various bacteria,viruses and fungi spores.The virocid offers two-times the protection of other disinfectants,very effect in presence of organic matter.Its used in animal husbandry,fish farming,food processing industry,animal transport vehicle,hospital,personal hygiene and feed storage. Virocid is safe for animals,man and equipment.The use in cleaning equipment is very effective as it has a neutral PH,hence so safe to clean as it has long residual action,preventing recontamination of surfaces. virocid is used at low dilutions,active at all temperatures and still effective in presence of hard water. Virocid is also referred to as hospital grade disinfectant,can be use for aerial disinfection, fogging,foot dips,tyre dips and general disinfection.VIROCID® The most powerful disinfectant! Worldwide proven efficacy. Recommended in case of emergency disease control . Listed by the United Nations’ F.A.O. Tested and approved against Influenza A. The influenza virus can live outside the body. It can thus be transmitted indirectly after having contact with infected objects and touching the eyes, the nose or the mouth afterwards. VIROCID® is a powerful disinfectant for surfaces and equipment (tables, chair, janitorial, floors,… and foot dips) and has a proven record in preventing and fighting disease outbreaks for many years: Classical Swine Fever, FMD, Avian Influenza etc. Moreover VIROCID® is recommended by the United Nations FAO against Avian Influenza H5N1 at 1:400. Now, VIROCID® has successfully passed a test against both the swine and the human strain of the Influenza virus A/H1N1 at a specialized lab in the USA.

AGRICULTURAL LOAN!!

LEARN HOW TO ACCESS IT AND EXPAND....

INSURANCE IN AGRICULTURAL BUSINESS.