Protection against damage to growing crops as a result of named perils. The policy shall cover and seek to indemnify the insured to the extent of loss of input due to loss or damage to the insured tree/fruits occasioned by operation of any one or more of perils either in isolation or in concurrence (a) Fire including forest fire and bush fire (b) Lightning (c) Storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado whilst in direction and immediate operation over the insured area (d) Flood and inundation (e) Riot strike and malicious damage (f) Acts of terrorism. These are termed as standard perils and applicable for all type of insured fruit crops and plantation crops. Additional/optional cover as is applicable to specific crop can be granted on selective basis. Sum insured shall be based on the cost of cultivation or input cost i.e., cost of raising/development of insured trees. The policy is issued for fixed sum insured, which is given separately under each crop.