This Insurance provides cover against death of animals like bulls, buffaloes, cows etc., within the geographical area specified in the Policy arising from any disease (inclusive of Rinderpest, Black Quarter, Hemorrhagic Septicemia, foot and mouth disease subject to vaccination against these diseases), surgical operations, or accident including Fire, Flood, Cyclone, Famine or any other fortuitous circumstances contracted or occurring after the commencement of the Insurer’s liability under the Policy. The indemnity payable under the Policy is the loss which the insured suffered by the death of the animal but not exceeding the sum insured by the Policy. Cattle refers to (a) milch cows/buffaloes, (b) female calves/crossbred heifers, (c) stud bulls and (d) bullocks. Livestock refers to other animals like camels, work horses, ponies, mares, mules, yaks, donkeys, sheep, goats, pigs, rabbits etc. Death or loss due to malicious or willful act, negligence, overloading, unskilled treatment, use of the animal other than stated in the policy, intentional slaughter, transport by air or sea, transit beyond 80 kms by road or rail, theft or clandestine sale, missing of the insured animal, partial disablement whether permanent or temporary, permanent total disablement which in case of milch cattle results in permanent and total incapacity to conceive or yield milk, in case of stud bulls results in permanent and total incapacity for breeding and in case of bullocks results in permanent and total incapacity for the purpose of use mentioned in the proposal, war, nuclear and allied perils is excluded. Similarly, no tag no claim. Death of the animal due to disease within 15 days from the inception of the policy. Blanket policies can be issued subject to monthly declaration to be submitted by a client who maintains records of each animal, illness suffered, treatment provided and vaccination etc. in the normal course of his business.