Our solutions 

At APAM, we are working collectively to ensure the sustainability of French agriculture in the face of climate challenges and food sovereignty issues.
To do this, we work hand in hand with you, farmers, agricultural cooperatives, unions, traders and suppliers in the sector, to find your solutions for tomorrow!
Our insurance solutions are aimed at all agricultural specialties: field crops, livestock, arboriculture, market gardening, viticulture, methanization, etc. Whatever the size of your structure, we listen to each of our clients in the same way.

Crop insurance

The notion of risk, in agriculture, takes on a particular meaning inherent to this sector whose exposure to natural hazards is unparalleled.
In essence, a farmer always runs the risk of not achieving the result he hopes for, no matter how hard he tries to ward it off: he is exposed, like no other, to what is humanly impossible to control.

Faced with climatic hazards, a universal protection for all farmers is set up from January 1st 2023.

  • Contract subsidized at 70% by the CAP
  • Modulate your deductible from 20%
  • Insure your historical yield (Olympic or triennial)
  • More than 70 crops concerned
  • 17 guaranteed climatic hazards: heat stroke, cold stroke, sun stroke, excess water, excess temperature, frost, hail, excessive humidity, lack of sunlight, torrential rain, heavy rain, snow or frost, drought, low temperatures, storm, whirlwind, sand wind
  • Accurate loss assessment thanks to the knowledge of field experts
  • Rapid compensation after harvest

The purpose of this contract is to guarantee a decrease in the quantity of crops caused by the mechanical impact of hailstones as well as by a violent wind. This contract is not subsidized.

Parametric spring frost insurance provides compensation to the farmer if the mutually agreed upon negative temperature threshold is reached during the coverage period. If the negative temperature threshold agreed upon in the contract is reached on the reference weather station, then the insurance contract will pay a precise amount linked to the loss rates previously modeled with the farmer. Customized contract, co-constructed with an APAM expert.

The farmer chooses the following parameters:

  • Capital insured (turnover insurance)
  • Reference weather station (historical weather data)
  • Insured surface area (hectares)
  • Expected yield for the year
  • Low deductibles (5%, 10%, 15%)
  • Ultra fast payment in case of risk (3 months after the loss)

Why choose parametric insurance ?

  • You notice that the spring frost hazard has largely degraded the average yield, the reference average used within the framework of the subsidized weather hazard insurance (MRC).
  • You are no longer able to insure yourself under the multi-risk climate insurance (MRC) (too many losses or company refusal).
  • The multi-risk climate insurance system (MRC) does not suit you (deductible, ceiling, etc.) or is not sufficient.

Contact APAM, an expert in agricultural parameters, who will be able to advise you and explain this new type of contract for your crops in addition to or in replacement of your comprehensive weather insurance.

Drier and hotter summers resulting in more severe droughts. Overall, the volume of rainfall is equivalent over the year, but is distributed more evenly between winter and summer.

The main expenses of the National Fund for Risk Management in Agriculture (FNGRA) are divided into 65% for drought and 19% for frost.

Parametric drought insurance provides compensation to the farmer if the jointly agreed temperature threshold is reached during the coverage period. If the temperature threshold agreed upon in the contract is reached on the reference weather station, then the insurance contract will pay a precise amount linked to the loss rates previously modeled with the farmer. Customized contract, co-constructed with an APAM expert.

The operator chooses the following parameters:

  • Capital insured (turnover insurance)
  • Reference weather station (historical weather data)
  • Insured surface area (hectares)
  • Expected yield for the year
  • Low deductibles (5%, 10%, 15%)
  • Very fast payment in case of risk (3 months after the loss)

Why choose parametric?

  • You notice that the drought has largely degraded the average yield, the reference average used in the framework of the subsidized climatic contingency insurance (MRC).

  • You are no longer able to insure yourself under the multi-risk climate insurance (MRC) (too many claims or company refusal).

  • The multi-risk climate insurance system (MRC) does not suit you (deductible, ceiling, etc.) or is not sufficient.

Contact APAM, an expert in agricultural parameters, who will be able to advise you and explain this new type of contract for your crops in addition to or in replacement of your comprehensive weather insurance.

With the insurance for lack of contribution, you secure the margin of your company. It supports the cooperative in case of lack of production (hecto, tons, quintals) of the members.

Yield or performance insurance allows the company to be compensated in the event that it does not achieve a set objective (e.g.: seed corn)

Parametric excess water insurance provides compensation to the farmer if the jointly agreed upon rainfall threshold is exceeded during the coverage period. If the rainfall threshold agreed upon in the contract is exceeded at the reference weather station, then the insurance contract will pay a precise amount linked to the loss rates previously modeled with the farmer. Customized contract, co-constructed with an APAM expert.

The farmer chooses the following parameters:

  • Capital insured (turnover insurance)
  • Reference weather station (historical weather data)
  • Insured surface area (hectares)
  • Expected yield for the year
  • Low deductibles (5%, 10%, 15%)
  • Ultra fast payment in case of risk (3 months after the loss)

Why choose parametric insurance ?

  • You notice that the excess water hazard has largely degraded the average yield, the reference average used in the framework of the subsidized weather hazard insurance (MRC).
  • You can no longer insure yourself under the multi-risk climate insurance (MRC) (too much damage or company refusal).
  • The multi-risk climate insurance system (MRC) does not suit you (deductible, ceiling, etc.) or is not sufficient.

Contact APAM, an expert in agricultural parameters, who will be able to advise you and explain this new type of contract for your crops in addition to or in replacement of your comprehensive weather insurance.

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Corporate Insurance

You know better than anyone that your agricultural activities generate risks. Whether they are related to buildings, farm equipment, your employees or third party claims – APAM chooses to support you at every stage to cover the risks of your farm.

Professional liability insurance allows you to carry out your activities with peace of mind. Indeed, agricultural activities generate risks. Farming is considered the 3rd most dangerous profession in France. This insurance covers the financial consequences in case of an error, a mistake, an oversight or any damage (bodily, material, and immaterial) caused to someone or something in the exercise of your main activity and potential diversification activities (storage of equipment, farm sales, tourism, energy production).

It is also possible to insure civil liability after delivery of products to cover yourself in case of contamination and intoxication.

The professional liability insurance is based on the turnover, the number of employees and the activities carried out by the farm or company. It can be taken out alone or integrated directly into your comprehensive insurance with property damage.

Also called Civil Liability of Corporate Officers (RCMS). This insurance covers the head of the company, his assets, if his responsibility is implicated (mismanagement) in an incident caused to the company itself or to third parties.

It concerns small structures as well as large companies. The RCMS protects all the company’s managers (president, general manager, corporate officers, deputy general manager, CFO, etc.). Some examples of triggering guarantees: non-compliance with a standard, bad management, accident of an employee.

Health, retirement, provident fund, employee savings.

Let’s work together to meet your legal obligations and offer your employees a plus.

The legal protection intervenes within the framework of the professional activity and allows to control your legal costs. It covers the costs of defending yourself in the event of a dispute with a neighbor, a supplier, a customer, an employee, an administration or a bank for example.

The legal protection guarantee can also intervene as an advisor to obtain legal information on a subject or to find an amicable solution.

The multi-risk insurance covers your buildings, your professional goods, your materials and merchandise in case of fire, water damage, storm, vandalism, theft, material breakage, electrical damage of your operation. Re-equipment to new in case of damage to your equipment.

Comprehensive insurance can include the company’s civil liability; a combination of guarantees that offer complete coverage for both the property and the liabilities of your company.

Civil liability related to environmental damage covers environmental damage caused by the spreading of sludge, fixed installations on the farm, environmental damage caused by your operation.

The « fleet » insurance covers the entire fleet of vehicles, agricultural equipment and tractors. We insure the damage suffered by the fleet in case of breakdown, accident, fire, electrical damage, glass breakage, electrical damage, vandalism and theft. Possibility to insure the goods transported during the transport. The driver is also insured.

The machine breakdown insurance covers the damage that can affect the machines used in the framework of the activity of the company. We consider destruction and breakage as well as certain breakdowns as machine breakdowns.

The transported goods guarantee covers the goods against the hazards of transport, as well as during its loading and unloading (e.g.: spilled production). It aims to guarantee, in whole or in part, the amount of the possible damage suffered by the goods.

Insurance that covers and protects your business from cyber attacks.

It provides compensation in the event of financial loss, business interruption or damage to a company’s reputation due to a failure of information technology systems.

The credit insurance allows you to work with your customers serenely. It ensures the prevention and proceeds to the recovery in case of unpaid invoices. It allows you to check the solvency of your future customers before validating a contract.

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