The crops covered are (i) grape (ii) citrus fruits (oranges, lime and sweet lime), (iii) chikoo (sappotta), (iv) pomegranate (v) banana. The subject matter of Insurance would be fruits in horticultural crops and the perils covered would be Fire, lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane etc., flood, inundation, riot, strike, terrorism.