Poultry Farming: A Money Spinner!

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POULTRY FARMING: A MONEY SPINNER.
Poultry farming comes in different practices;
1. Egg production
2. Meat(broiler) production
3. Cockerels Production
4. Ornamental and Rare bird rearing
5. Parent stock(fertile egg production)
6. Turkey production
7. Quail farming
8. Ostrich farming. etc.
In Nigeria, the demand for poultry products far outweigh the supply, hence it is a money
spinning venture for every willing entrepreneur. The uniqueness of poultry
industry is that it has room for persons with large source of fund(millionaires) as well as
starters with little capital. With as low as N5,000 one can venture profitably into this
industry and yet with as much as a billion Naira, one will just be brushing the surface in
Nigerian poultry industry.
Poultry farming is suitable for professionals
such as veterinarians, animal husband men,trained farmers, poultry specialist as well as
school leavers, non experts and persons with a willing heart to learn and no matter the angle
or level one is entering the industry from, training, peer reference and consultancy is a
conditio sine qua non for success in the industry. Many had entered poultry farming
and came out burnt, some others are in it reaping fortune; the dividing factor is ‘information’. Entering poultry industry blindly is suicidal! For the sake of the Nigerian market, I will in these series deal first with the two major aspect of the industry and highlight the potentials.
EGG PRODUCTION.
Going into poultry production for the purpose of egg production means you intend to raise laying hen. They could be from Day-old-chicks (DOC), or stock as Point-of-Lay(POL) birds.
Layers can be reared on Deep liter system or Battery Cage system. Caged birds need more
capital but the merits include; easy of management, cleaner eggs, safety from breakages, minimal feed wasteage, reduced
water contermination and maximized space. A unit of cage from my company with the
capacity of 120 birds cost N90,000. Most cages come with automatic drinkers; some even
come with full automation meaning, feeding,manure management as well as egg collection systems; are all automatic thus greatly
reducing human contacts, disease spread and labour cost. Cage system is therefore the
appropriate system for large scale farmers. Beginners with limited resources could start
with deep litter system. It is affordable, litter material are readily available. The major
requirements are conducive housing and more intense management of the water, feed and litters. The roof in all cases should be heat repealing, made from asbestos, thatch etc.
Vent, created to let out heat, wall should be less than two feet high, ‘curtain’ from sacks or
tarpaulin provided to prevent entrance of rain water to prevent incidences of coccidiosis and other enteric diseases.
Beginners should minimise the cost of poultry house construction and utilise local materials as equipments so that the limited resources could be channel into productive running cost such as DOC or POL and feed. To give you an idea of cost as of today, a million naira, if
meticulously utilized can construct a poultry house that could hold five thousand birds.
From our company too, persons that want to enter the venture with cages with all the added
advantages, could purchase same with about N4.2million for 5,000 birds. We also supply
DOCs and POLs. DOC cost between N120 to N210/chicks depending on time of the year and hatchery. Beginners could start with POL, these are birds in their fourteen to twenty
weeks of Age,(birds often start dropping their first egg from 22weeks to 24weeks of age).
Advantage of acquiring Point Of Lay birds is the reduced risk. Prices of POL at press time
ranges from N750 to N950/bird.
In budgeting for feeding, a bag cost about N2,200 today and could feed 100birds for 3
days.
Let me open your understanding to how profitable egg production could be under proper management, a bird at good lay point generate between N6 to N10/day as gross
profit. This means that a flock of 100 laying birds could generate N800 profit per day, and about N24,000/months hence by implication 1000birds could generate N240,000/month and
10,000 bird farm, a N2.4million profit per month. At the end of the 54 to 72weeks of lay,
the spent layers would be sold for nearly the equivalent amount with which the POL is
purchased. You can see that egg production is terrifically profiting. The demand for eggs is seemingly insatiable.
MEAT PRODUCTION.
I will briefly explain what meat production entails in poultry farming. The meat is call
broilers, fryers, poultry or simply chicken. To succeed on this side of the industry, the farmer must target eateries, hotels, and cold rooms or
start ones own outlet. Breeding broilers for live sales is only sustainable under small scale
and seasonal. For a farmer to be successful in broilers, he should rear between 1000 to 10,000
birds and above per batch. Harvest should be at least weekly. A large poultry house is
needed. Provision of constant electricity is necessary for lighting and cold room.
Broiler production entails purchasing DOCs(broiler), brooding, and raising them for six to seven weeks. Feeding is ad libitum(i.e continuously). Well managed flock will weigh between 1.8 to 2.4kg within this period and upon dressing, weigh between 1.4 to 1.8kg/
bird which is the standard weight for most eateries. Some companies that buy live birds
pays between N410 to N600/kg live weight.
Eateries and some cold rooms pay N600 to N820/bird dressed weight. Profit expectation
from raising broiler is between N150 to N250/bird.
Factors to consider before venturing into broiler production also include but not limited to the following: good source of DOC, conducive housing, good feed, technical know how, heat for brooding, cold room facility, defeathering machine, and a ready market.
The demand for broilers is ever high and with the ban on importation on poultry product,
the sky is the starting point for any bold entrepreneur.
Which ever aspect you wish to participate in, always seek and pay for consultancy, employ
experts or get trained and start gradually.
In my next series I will go into the next two form of poultry production. I will also, in
similar series, give hints on how to avoid common pit falls in poultry farming. For further consultation, call.
08099515923,08074349597,08136241647.
Email: contact@farmergiantltd.com

For company info visit: http://www.farmergiant.net

AgroChemical show in Lagos. 16 and 17 July 2013

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AgroChem Trade Show in Lagos, Nigeria on 16th & 17th July 2013
 

“AgroChem Trade Show” in Lagos, Nigeria on 16 & 17 July 2013.
There is good Export potential for Agrochemicals and other related Agro Inputs in Nigeria , including Public Health Products.
 
Overview of Nigerian Market.

Nigerian Companies consume in excess of $3.58 billion worth of chemicals per annum but produce just $ 380 million. The base Chemical sectors, which consists mainly of petrochemicals, accounts for over 70% of the total chemicals market in Nigeria. 
There is a large market for agro- chemicals in Nigeria. The market, dominated by eight large companies was estimated to be N500 ($ 1 2 million). The market and marketing of Crop Protection Products ( CPP) in Nigeria are unorganized and not properly regulated. The trade deregulation has brought all kinds of traders into the CPP market making it difficult to determine various market shares and sizes.
It is estimated that the private sector agrochemical companies supply about 70% of the total CPP demand of approximately N500 million. The total CPP supply is usually composed of 30% herbicides, 40% insecticides, 15% fungicides, 8% growth regulators and seed treatment chemicals, and 7% rodenticides, nematicides and others. Over the years, there has been little growth in the size (in quantity terms) of the CPP market.
The registered distributors supply to large-scale farmers either directly or through their local agents at the retail level. It is estimated that by volume, 60% is sold to the large-scale farms through direct sales by the companies and distributors and 40% through government agencies and ADPs to small-scale farmers.

Venue in Nigeria   

The Exhibition in Lagos will be held at “10 DEGREE EVENT CENTRE, A2 BILLINGS WAY ROAD, OREGUN INDUSTRIAL ESTATE, OREGUN, IKEJA, and LAGOS, NIGERIA.  

Contact Farmergiant Nigeria Limited, for import or investment opportunities in Agrochemicals.
+2348099515923
+2348136241647
Email: paul.adoyi@farmergiantltd.com
http://www.farmergiantltd.com

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COST OF SETTING UP 5000 BIRD POULTRY

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COST AND EXPECTATION IN POULTRY.
Cost of setting up 5000 capacity Poultry In
Nigeria
1. Building:
A single building that can contain three rows
of cages would be suitable. The width should
be a minimum of 12meters and length of
should be 35meters. Utilize the cage detail
below in construction bearing in mind that
each row will have a gutter.

Cage: Poultry Chicken layers cage in CKD form
Size:
the length: 2.2m
the width: 2.4m
the height: 1.65m).
The estimated cost of the building could be 1.8million to 3 million naira.
The wall should not be more than 0.3meters
and the roof should be of asbestos with a vent
in between.
Required cages:
Utilizing the Premium cage quality; capacity is
120 birds/unit. The 5000 poultry would need 42
units. Total cost is N3,780,000. Cost of
installation is N84,000.
Birds:
Budget N850/point of lay bird or N180/day old
chick. Budget additional N200/POL to raised
them to laying or additional N750/DOC to raise
them to laying. In general budget N5 million to
raise 5000 birds to lay.
Good birds would start dropping at least by 20
weeks. Feeding at this point would be about
0.1kg/bird each day. By the time they peak,
profit expectation should be about N5 to N7/bird
each day.
CALL US. FOR CONSULTANCY: 08099515923.

GUMBORO DISEASE

INFECTIOUS BURSAL DISEASE (Gumboro disease, Infectious Avian Nephrosis, Avian Infectious Bursitis)
INTRODUCTION
AETIOLOGY & CHARACTERISTIC OF VIRUS
Infectious bursal disease (IBD) is a highly contagious viral disease of young/ immature chickens caused by infectious bursal disease virus (birnavirus) which is most readily isolated from the bursa of Fabricius (BOF) also called cloacal bursa. Bursa of fabricius is round out-pouching of the cloaca and one of the four primary lymphoid tissues (organs) where maturation of lymphocytes occurs though may be isolated from other organs.
The disease was first discovered in Gumboro, Delarware. It causes necrosis and atrophy of BOF. It is characterized by immunosuppression, high morbidity, pecking of vent, whitish diarrhoea, depression, dehydration, prostration and necrosis of the lymphoid follicles of the BOF and kidney in birds of between 3 to 6 weeks and maximum of 12 weeks of age.
While chicken of between 3 to 12weeks of age with highly active cloacal bursa are more susceptible to disease, birds over 12 weeks are resistant to challenge and will show no clinical signs unless infected by highly virulent strains
The virus can survive in a wide range of environmental conditions; remains viable from pH 2-12 but is inactivated only in 70⁰C for 30 minutes (can survive heat of 60⁰C for 90 minutes, temp of 25⁰C for 2 days and 20⁰C for 3 years). It is also resistant to some disinfectants but 2 % solutions of chloramines, halamide, and formaldehyde are effective against the virus
IBDV can survive in infected poultry houses for 122 days after removal of infected birds or beddings and in contaminated water or feed for 52 days. It is resistant to heat, ultraviolet radiation
IBDV can infect a wide range of domestic birds but only chickens show clinical signs of disease.

TRANSMISSION
The main route of transmission is faecal-oral and the virus is shed for up to 2 weeks post-infection in large amounts, transferred from farm house to farm house by fomites. It is very stable and difficult to eradicate from premises.
Chickens infected with the IBD virus shed the virus in their faeces. Feed, water, and poultry house litter become contaminated. Other chickens in the house become infected by ingesting the virus. IBDV can also be spread by the nematode parasite, Alphitobius diaperinus (lesser mealworm)

lesser mealwormFig 1 Alphitobius diaperinus (lesser mealworm)
Because of the resistant nature of the IBD virus, once a poultry house becomes contaminated, the disease tends to recur in subsequent flocks plus the ease of transmission (mechanically) among farms by people, equipment and vehicles. Wild birds are thought to be mechanical vector
IBD is not zoonotic (cannot spread between animals and humans.)

MORTALITY AND MORBIDITY
IBD is extremely contagious. In infected flocks, morbidity is high up to 100% whilst mortality may be up to 30% but range of 57% has been reported in Nigeria

CLINICAL SIGNS
The birds are anorexic with the proventriculus (crop) being empty, depressed. There is ataxia (neurological signs consisting of lack of voluntary coordination of muscle movements), vent pecking which is whitish and pasted with watery diarrhoea, ruffled feathers, trembling and prostration, initial high temperature which becomes subnormal shortly after death. Mortality usually begins within 7days. Chicks in infected pen are not able to run when excited. The virulence varies massively and so can disease severity. Initial outbreaks are usually the most severe and recurrent cases are milder with lower mortality and frequently go undetected

ib a  Fig 2
The feathers around the vent are usually stained with faeces containing plenty of urates.

POST MORTEM (PM) LESIONS
On post-mortem examination, the cloacal bursa is initially swollen, oedematous and occasionally hemorrhagic then later turns from white to cream and a gelatinous yellow transudate covers the serosal surface of the BOF early in infection. Carcasses are dehydrated, often with darkened (congestion and haemorrhage) pectora, thigh and leg muscles. This is due to the IBD virus interference with the normal blood clotting mechanism. Many petechiae may be visible in the thigh and pectoral muscle masses. Mucus may also be present within the intestines. In advanced disease, renal changes (swollen kidney) may be evident due to prolonged dehydration. Grey foci may also be visible on an enlarged spleen.
Chickens that have recovered from IBDV, (7-8 days post infection) have small, atrophied, cloacal bursas due to the destruction and lack of regeneration of the bursal follicles

ibd 1         OLYMPUS DIGITAL CAMERA

ibd5   ib c

The dead carcasses (dead body of the animal) are dehydrated, often with haemorrhages in the pectoral, thigh and abdominal muscles.

ib d

The lesions in the bursa of Fabricius are progressive. In the beginning, the bursa is enlarged, oedematous and covered with a gelatinous transudate.

HISTOPATHOLOGY
There is depletion of the BOF which will be replaced with hetrophils, cellular debris and hyperplastic endothelial cells, haemorrhagic areas in the BOF. Histopathological lesions are mostly observed in lymphoid tissues like BOF, spleen, thymus and cecal tonsils.
• In the BOF, there is erosion and corrugation of epithelium, degeneration of the follicle, necrosis and oedema
• Necrosis of lymphocytes of the thymus
• Kidneys have interstitial haemorrhage, perivascular accumulation of lymphoid cells, oedema, tubular and glomerular necrosis

DIAGNOSIS
Involves consideration of
i. the flock’s history
ii. the clinical signs of sudden onset and short crises period with rapid recovery of the entire flock (5-7 days) as well as spiked mortality curve and
iii. the PM lesions of the cloacal bursa and haemorrhages of the breast and thigh muscles
iv. Diagnosis is confirmed by post-mortem or laboratory testing on islolation of the virus from bursa or kidney

Chickens less than 3 weeks of age present no clinical signs of disease, while chickens greater than 3 weeks of age present clinical signs as described. The severity of the clinical signs will depend upon the factors described. Confirmation of a diagnosis of clinical IBD can be made at necropsy by examining the BF during the early stages of disease for characteristic gross lesions.
During later stages of disease it is difficult to confirm a diagnosis of IBD by examining only shrunken, atrophied BF, as other diseases (for example, Marek’s disease, mycotoxicosis) produce similar changes. In birds less than 3 weeks of age or in young chickens with maternal antibodies, IBD virus infections are usually subclinical. Thus, typical clinical signs are not present, and diagnosis should be supported by histopathologic study of suspect BF, serologic studies, or by virus isolation.

Acute disease is usually recognised in a flock by rapid onset, high morbidity diarrhoea with a spike in mortality and rapid recovery. Diagnosis is confirmed by post-mortem or laboratory testing.

LABORATORY TESTS
IBDV antigen can be detected in cloacal bursa or splenic samples by Agar Gel Precipitation or Immunofluorescence. Reverse Transcription – Polymerase Chain Reaction (RT-PCR) is commonly used to detect IBDV. Antibody- Enzyme Linked Immuno-Sorbent Assay (ELISA) can be used for serological diagnosis within a flock.

TREATMENT
No treatment is available rather symptoms are treated (supportive therapy) as it manifests with antibiotics and multivitamins. Maintain a good temperature in poultry house especially in young birds. Recovery is usually rapid in an infected flock.

CONTROL
• Effective biosecurity program and Hygienic measures with appropriate disinfectants are imperative. Rigorous disinfection of contaminated farms after depopulation has achieved limited success though
• Effective breeder Vaccination Program is also usually required. The highly infectious nature of IBD coupled with the extreme resistance of IBD virus has made vaccination a necessity in major poultry producing areas.
Both live and inactivated forms are available. Timing is difficult due to interference of maternally-derived antibody, but oil adjuvanted vaccines can extend maternal immunity to 5 weeks. Vaccination can cause immunosuppression and a degree of bursal damage.
Vaccines are given intraocular (I/O) or in drinking water (per os) to chicken after 1 week of age and then booster dose also given after 2 weeks to support the maternal antibody.

WHY YOU SHOULD REGISTER YOUR FARMS WITH CORPORATE AFFAIRS COMMISSION (CAC)

Farming is one of the most lucrative businesses in Nigeria at the moment. One may never know there are so many farmers (small, medium and large) until you attend a farmers’ show, forum, meeting etc. or like us, set up a supply and consulting poultry firm. Setting up a farm is one major decision and whether you decide to go into arable (crops), pastoral (animals) or mixed (both crops and animals) farming, one thing is needful: registration of your farm with Corporate Affairs Commission (CAC)! This is the first step to setting up that farm. Your farm is like any other company running its own business. The Corporate Affairs Commission is the governmental body responsible for registering business names and companies in Nigeria.

You may even already have a farm which is not yet registered, it is also important that it be registered as soon as possible. One of the first questions we ask anyone who wants to set up a farm is “Is your farm registered with CAC?” Some people think this registration is not as important as it is hyped. Below are the reasons why you should endeavor to register your farm.

1. OWNERSHIP OF YOUR OWN BUSINESS NAME:
When you register your unique name, you secure the name to yourself; no one else can register it again or use it. The earlier you register your fond name, the better before you get frustrated at the fact that someone else is already using it. No one will wait for you. The most frustrating thing in registering your name is that if someone has already registered a name which is not exactly but a bit similar, your own name will be denied. Early registration helps secure your choice name. For example Farmafric Nigeria Limited will be denied if Farmafrica Limited is already registered.
Each business name can only be registered with CAC once, which means no two business names are duplicated. The company has the advantage of knowing that their business name is protected from competitive usage within the Nigerian territory.

2. AUTHENTICITY:
Registering your farm validates your business. It also makes it more formal and serious in the eyes of your clients/customers. When people deal with you on the basis of how formal your business is, it helps to increase your drive towards success in other to be highly placed and accepted in the eyes of your clients/customers. It makes you feel more responsible and work harder towards establishing your farm/business and brand. It also makes you better organized. Your potential customers will have confidence in doing business with you.

3. CORPORATE TAX IDENTIFICATION NUMBER:
Once your incorporation at the CAC is through and done with, the next step you must take is to obtain a Tax Identification Number. You will be asked at the Tax office to submit photocopies of some of your incorporation paperwork. A Tax Identification Number is required to pay your tax and to open a corporate bank account.

4. CORPORATE ACCOUNT OPENING:
The requirement of opening a corporate current account with any bank in Nigeria is that your business is registered with CAC. You will be asked to submit photocopies of Forms CAC 2, CAC 7 and Certificate of incorporation at the bank and make no mistake, they will do a search at CAC to find out if you truly registered your farm/business with CAC or not. You will be able to open a corporate account with your business name only if it is registered with CAC. The importance of having a corporate current account cannot be over emphasized– it gives people more trust to transact business with you knowing that their money can be traced if they run into any kind of hitch. A business bank account is an important asset to your business because you can separate your personal activities from your business activities. It is also more professional to give your clients a business name for payment instead of your personal account.

5. LEGAL LIABILITY PROTECTION:
When your farm is registered, you receive some legal liability protection. You will not be held personally responsible for certain accidents and other liabilities. Thus, you may find it easier to obtain business insurance, or attract investors, since they will know you are not personally responsible for the company’s well-being. If someone were to become injured on company grounds and sue, that person can only seek punitive damages from company assets, not personal. In summary, in the event of liquidation, no one can lay claims to your personal properties/assets.

6. INSURANCE:
Most farms invest in insurance coverage in case of accidents, loss or lawsuits. Farms that are incorporated are more insurable than those that are not; simply because incorporated businesses have less risk attached to them.

7. CONTINUITY:
Another benefit of registering a business name with CAC is that the name can live longer than the business owner. In summation, if the business owner dies suddenly the business name lives on. Also, in the event that the owner of the business becomes ill or bedridden and can no longer manage the business himself, another person can take it up from where he stopped. Only registered businesses can keep the name after the death of the owner.

8. LOANS PURSUIT:
When you apply for business loans, you’re going to have to prove that you’re actually in business. Lenders and investors will ask to see your business registration along with other application requirements before approving you for a loan. If you apply for a credit facility as a business owner, creditors may also ask to see your registration paperwork.

9. REPUTATION WITH CUSTOMERS:
Many times, especially in this era of wide internet reach, many customers/clients who have never set their eyes on you would want to do business with you but are also very careful enough to know if your business is legitimate or not. When a business is on file with CAC, it will put your clients at ease when making a decision about whether to spend money with your company.
Many times as accompany, we have had to refer such skeptical customers/clients to previous customers/clients within their locality, who have visited our office and done business with us in the past and who can convince these prospective customers/clients that we are credible. Just imagine if we were not registered, did not have an office or even satisfied those customers/clients.

10. GOVERNMENT CONTRACTS:
If you plan to get government contracts for your farm, a business registration is one of the first requirements. No government agency is ready to award a government contract to any unregistered business. They also go to the length of verifying if your business is registered with CAC.

11. RELATIONSHIP WITH EMPLOYEES:
Every employee desires to work with a credible company/organization. As they work with you, they always look out for their own good too. If they know that you are not registered, they will believe every business transacted there is short-lived and in such cases, they will look somewhere else for employment. A business registration allows you to hire full-time employees and work with them in a formal setting.

The foregoing is however not a conclusive list of why you should register your farms with CAC. I am yet to find any disadvantage involved in the registration of your farm with CAC.
For inquiries on incorporating a farm or any other business name, please mail us at farmergiant@gmail.com or info.farmergiant@gmail.com
We are ready to help you. Consultation is always free!

Agricultural Insurance

FARMERGIANT NIGERIA LIMITED as an Agricultural Insurance Broker,
Offers to aid you as the Parent company underwrites all classes of Agricultural insurance including
Crop insurance
Plantation Fire Insurance
Bloodstock/Livestock Insurance
Poultry Insurance
Fishery/Fish Farm Insurance and
Farm All Risks Insurance etc
Other insurance products relating to agricultural risks includes warehousing insurance, goods in transit insurance among others
We can issue each of the above policies either as stand-alone or as a combination of policies
Our Rates
Although, Farmergiant policies are not subject to subsidies from the Government, we have carried out extensive research and actuarial assessment and are pleased to offer the following rates:
Poultry, Livestock, Bloodstock, Fisheries and piggery policies    – 2.5%
Crop insurance                                – 2%
Comprehensive policies covering crop, harvesting, goods in
transit and storage                                – 3.5%
Farm all risks insurance for plants, machinery and equipment    -1%
Pre-Loss Risk Surveys
We have in-house experts who carry out pre-loss surveys of all farms proposed for insurance. These include Veterinary doctors, agronomist and agricultural engineers who have good knowledge of the risks inherent in agricultural practices whether crop or animal production. They will inspect all the major farms and make recommendations in the overall interest of the farmers, the insurers and the financiers.
Maintenance Service
The Parent company maintains a network of extension officers who are charged with the responsibility of visiting major farms to ensure that they maintain good house-keeping and comply with the recommendations of the experts during the currency of our insurance covers. This is to ensure that the farmers are not unduly exposed to risk of loss without taking adequate measures to mitigate the exposures.

Claims
Our staffs are able to adjust and make necessary recommendations on claims. However, where the other expert knowledge is required, we have retinue of skilled independent consultants who are able to advice on complex claims
Where claims are fully documented, agreed and discharged, we settle same within two weeks of discharge.

POULTRY INSURANCE POLICY (sample of policy)
Whereas the  Insured named in the Schedule hereto has made to the Industrial and General Insurance Plc a proposal and declaration which shall be basis of this contract and be deemed to be incorporated herein for the insurance herein after contained and has paid the premium stated herein.
1.     COVERAGE
THE COMPANY HEREBY AGREES (Subject to the terms and conditions contained herein or otherwise expressed hereon) that if the birds hereafter described be lost by DEATH resulting from ACCIDENT or DISEASE at any time during the period of the insurance stated herein or any subsequent period in respect of which the Insured shall have paid and the Company shall have accepted or agreed to accept the premium required for the renewal thereof the Company will pay to the Insured assessed Value of loss as per the valuation table attached hereto at the time of loss of the Birds.
2.     EXCLUSIONS
This policy does not cover death of birds due to:
2.1     Malicious or willful injury or neglect, unskillful treatment.
2.2     Theft, mysterious disappearance or other unaccountable shortage, including infidelity of the insured( s), Grower( s) or employee of either.
2.3     Newcastle Disease,Infectious Bronchitis, Avian Diphtheria, Avian Leucosis Complex, infectious Coryza, Infectious Bursal (Gumboro) Disease, Chronic Respiratory Disease (CRD), Tuberculosis, Marek Disease, Coccidiosis and Colibacilosis Unless the insured birds  are properly vaccinated at all times and all other necessary preventive measures are taken against the disease(s) continuously. Suitable certificate of Health from a registered  veterinarian to that effect must be produced at the time of the proposal for insurance.
The Company may at any time during the period of insurance call for veterinarian’s . Certificate evidencing such vaccination( s) as falls (fall) due.
2.4     Government slaughter order or slaughter order from any other public authority.

2.5     Earthquake, War, Invasion, Act of foreign enemy, Hostilities (whether War be declared or
not), Civil War, Rebellion, Revolution, Insurrection, Mutiny, Tumult, Military or ‘Usurped Power or any consequences thereof.
2.6     Nuclear energy of any kind
2.7     Fire not covered except if incorporated by Endorsement.
3.    LOSS ASSESSMENT
The loss assessment shall be done on the basis of the cost of production at the time of death worked out on the agreed sum insured of the poultry birds.
4.    NO CLAIM DISCOUNT (NCD)
Premium on renewal is to be reduced by 5% after a claim free year.
5    SUM INSURED AND PREMIUM
Sum Insured (S.I.)
Layers:            Value of Birds at point of lay
Broilers:        Value of Birds at time of sale
Pullets:            Value at the end of rearing period
Cockerels:        Value of Birds at time of sale
Parent-Stock:         Value of Birds at point of lay
Grand Parent Stock:    Value of Birds at point of lay

CONDITIONS
1.    NOTICE: Every notice and communication to the Company required by this policy shall be made in writing to the nearest office of the Company through which this insurance is effected.
2.    IMPROPER DESCRIPTION: This policy shall be void, and all premium paid hereon shall be forfeited to the Company in the event of misrepresentation, improper description or non-disclosure of any material particular.
3.    CHANGE OF HAZARD: Before each renewal of the insurance, the Insured shall give a written notice to the Company of the disease, injury or physical defects which the birds had been or are suffering from.
4.     REASONABLE CARE: The Insured shall at all times exercise all reasonable care and diligence in the selection of employees and chicks and shall provide that every birds insured has sufficient and proper balance standard feed, water and shelter and shall keep secure, all fences, yards, sheds and cages and shall use and exercise every precaution and in every manner provide the same care and attentions as if no insurance had been effected. The insured shall not introduce or permit to be Introduced any disease infected bird among any insured stock or upon any part of his premises nor allow/permit the insured stock to mix with diseased or infected poultry or enter into sheds, buildings or any other place where such affected poultry are. The insured shall also arrange for any poultry suffering from any disease to be completely separated or isolated from the remainder of his stock immediately upon the discovery of the illness and shall take all necessary and proper Precaution to protect the healthy stock from any danger of infection. Biosecurity measures must be put in place.
5.    INSPECTION: The Insured shall permit the authorized representatives of the Company at all times to inspect the poultry hereby insured at the premises of the insured and also furnish any information which the Company may require and shall comply with all requirements applicable to the poultry industry under the statutes, rules or regulations stipulated by Government or any other Authorities. The Insured shall also comply with the directives/risk improvement measures which may be issued by the Company from time to time.
6.    MAINTENANCE: The Insured shall have proper and adequate Veterinary facilities and must ensure good house keeping of the farm. Poultry should be acquired only from approved standard Hatcheries. Proper record of daily stock position, feed consumption and egg production must be well maintained  by the Insured. The Veterinarian’s Certificate should be submitted (as prescribed) for the replacement of poultry added during the currency of the policy).
7.    CANCELLATION: The Company may at any time, by giving seven days notice in writing by registered letter to the Insured at his last known address, cancel this policy in which case the Company shall return to the Insured a proportion of the last premium corresponding to the unexpired period of insurance.
8.    CLAIM PROCEDURE: The Insured or his agent shall upon the occurrence of any event giving rise or likely to give rise to a claim under this policy, give immediate notice by the quickest means within 24 hours to the Company which may instruct an approved Veterinarian on its behalf if deemed necessary for independent investigations and treatment along with any registered Veterinarian by the Veterinary Council of Nigeria appointed by the insured and shall within 14 days thereafter furnish to the Company at his own expense detailed particulars to substantiate the claim as the Company may require and employ immediately at his own expense a registered Veterinarian for treatment and comply strictly with his instructions. In the event of the death of any bird thereby insured, if required by the Company the Insured shall at his own expense have a Post Mortem report, and submit full particulars of his claim to the Company. All dead birds should be separated and shown to the representative( s) of the Company or any person( s) authorized by the Company
9.    SUBROGATION: If the death of any of the poultry birds hereby insured shall be due to negligence, Carelessness or wrong doing of any person, the Insured shall, at the expense of the Company do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and  remedies, or of obtaining relief or indemnity from the culpable party to which the Company shall be or would become entitled or subrogated upon its paying for or making good any loss or damage under this policy, whether such acts and things shall be or become necessary or required before or after his Indemnification by the Company.
10.    MINIMUM LOSS TO ATTRACT CLAIM: In order to qualify for indemnity under this policy, the following minimum loss must have been incurred:
Broilers
Layers            Above 10% of total stock
Breeding Birds
11.   EXCESS CLAUSE: In the event of any loss for which the Insurer is liable,
the Insured shall be responsible for 10% of each and every claim.
12.     CESSATION OF RISK: This policy shall cease to cover any poultry immediately the Insured sells it or part with any interest in it whatsoever whether temporarily or permanently.
13.     CONTRIBUTION: If at the time of any loss covered by this policy there shall be any other insurance covering the same poultry whether effected by the Insured or not, the Company shall not be liable for more than its rateable proportion thereof.
14.     FRAUD :If any claim under this policy shall be in any respect fraudulent or if any              fraudulent means or devices are used by the Insured or anyone acting on the Insured’s  behalf to obtain any benefit under the policy, all benefits under the policy shall be forfeited.
15.     ARBITRATION CLAUSE: All differences arising out of this policy shall be referred to an Arbitrator to be appointed in writing by the parties in accordance with the statutory provisions on that behalf for the time being in force, and in case of disagreement between the Arbitrators, to the decision of an umpire who shall have been appointed in writing by the Arbitrators before entering upon the reference and an award shall be a condition precedent to any liability of the Company or any right of action against the Company. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within six calender months from the date of such disclaimer have been referred to Arbitration under the provision herein contained, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.
16.     OBSERVATION OF TERMS AND CONDITIONS: The due observance and fulfilment of the terms, conditions and ,endorsements of this policy in so far as they relate to anything to be done or complied with by the insured and the truth of the statements and answers given in the proposal form shall be a condition precedent to any liability of the Company to make any payment under this policy.

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