Protection for coffee growers against vagaries of rain

Madikeri:The Rainfall Insurance Scheme for Coffee (RISC) from Agriculture Insurance Company of India Ltd. (AIC) could come as a boon to growers in Karnataka, Kerala and Tamil Nadu looking to protect themselves from the risk of excessive or deficient rainfall.

However, with not much time left to avail themselves of the benefits of the scheme, growers will have to fill the application and submit it to the Coffee Board offices before June 30.

The RISC was designed in consultation with the Coffee Board, the Central Coffee Research Institute and coffee growers of Karnataka, N. Rangaswamy Reddy, Deputy Director (Extension) Coffee Board, Kodagu, told The Hindu on Friday. The policy will compensate the insured against the likelihood of diminished coffee output or yield resulting from excessive or deficient rainfall, within a specific geographical location, time and period.


In Karnataka, as many as 55 sub-zones have been identified — 27 in Kodagu, 17 in Chikmagalur and 11 in Hassan districts — as rain reference gauge stations where telemetric rain gauges have been installed.

The sub-zones identified in Kodagu are Gonicoppa, Thithimathi, Madikeri, Murnad, Makkandur, Napoklu or Yavakapadi, Cherambane, Karada, Shanivarasante, Harakanahalli, Siddapur, Ammathi, Maldare, Somwarpet, Abburkatte, Basavanahalli, Hanagodu, Shantalli, Srimangala, Vatekolli, Nagarahole, Sunticoppa, Chettalli, Valnur, Madapura, Garwale and Virajpet.

Any grower cultivating Robusta and Arabica in the selected sub-zones in Karnataka, subject to a cap of holding within 10 hectares (25 acres), is eligible to buy the insurance, Mr. Reddy said.

Large growers (with holdings above 25 acres) would have to pay double the premium.

Details of premiums for the 27 sub-zones in Kodagu could be had from the junior or senior liaison officer of the Coffee Board or the office of the Deputy Director of the Board here, he said.

Insurance period

The insurance period for “monsoon showers” would be from July 1 to September 30. Growers could opt for single package insurance, or both monsoon insurance and post-monsoon insurance put together.

 – The Hindu