Poultry for the purpose of this Insurance would refer to (a) layers (b) broilers (c) hatchery (breeding stock) which are exotic and cross-bred. Indigenous and non-descript birds will not be insured. All birds a farm should be covered. The Policy provides indemnity against death of birds due to accident including Fire, lightning, flood, cyclone, famine, strike, riot or disease contracted or occurring during the period of Insurance. Main exclusions are malicious/willful injury, neglect, transit by any mode of transport, improper management including overcrowding, undergrowth, cannibalism, action of predators like preying birds and carnivorous animals, theft and clandestine sale, intentional slaughter, consequential losses, permanent and partial disablement of any nature, loss of production, certain diseases such as marek’s disease, ranikhet disease, fowl pox and infectious bronchitis. Malnutrition/shortage of water, death due to starvation because of non-supply of feed to farm due to any reason, loss due to huddling and/or piling of birds etc.