What is Silkworm Insurance?

Silkworm rearing is a branch of production that requires intensive labor in a short period (approximately 35-40 days) and does not forgive mistakes. From the time the hatched larvae feed on mulberry leaves until they spin cocoons, the humidity, temperature of the environment, and the quality of the leaf are of vital importance. Even pesticide residue carried by the wind from a neighboring field can cause all the silkworms to be poisoned. Silkworm Insurance is a state-subsidized insurance where live silkworms raised in enterprises registered in the Ministry of Agriculture and Forestry’s registration systems are under TARSİM assurance against the risk of death.

As Panacea Insurance, we stand by our producers who keep this ancient tradition alive from Bursa to Diyarbakır, and from Antalya to Bilecik. We protect your labor with TARSİM.

How Much of the Premium Does the State Pay?

There is full state support for the sustainability of sericulture, which is our cultural heritage:

• 50% Premium Support: The state covers half of the policy premium as a grant. The producer pays the remaining 50%.
• Women and Young Farmers: Additional discounts are provided to female producers and young farmers (under the age of 40).
• Kozabirlik Members: Special discounts and conveniences can be provided to members of cooperatives and unions.

What Does the Policy Cover?

The silkworm is a very sensitive creature. The insurance provides full protection against the following risks:

• Poisoning: This is the biggest risk. Mass poisonings resulting from pesticide residues on mulberry leaves or feeding errors.
• Diseases: Deaths due to infectious silkworm diseases (Calcification/Muscardine, Jaundice/Grasserie, etc.).
• Natural Disasters: Storms, tornadoes, earthquakes, floods and inundation, landslides.
• Fire: Fires breaking out in the rearing house (silkworm nursery).
• Accidents: Physical accidents such as the overturning of shelves or vehicle impacts.

Insurance Requirements

For a TARSİM policy, the enterprise must meet the following standards:

1. Registered Enterprise: The producer must be registered in the Ministry of Agriculture and Forestry (HAYBİS) system.
2. Enclosed Environment: Production must be carried out in an enclosed, protected, and hygienic environment (Silkworm Nursery/Rearing House). Production carried out in the open is not insured.
3. Risk Inspection: Before the policy, TARSİM adjusters visit to check the physical conditions and biosecurity measures of the enterprise.

Is Your Mulberry Orchard Safe?

The only food source for the silkworm is the mulberry leaf. If your mulberry orchard is damaged due to hail, frost, or storms, you cannot feed your silkworms. To manage this risk, you should definitely take out Crop Insurance for your mulberry trees. Leaf (Yield) insurance prevents your production chain from breaking.

What to Do in Case of Damage?

Silkworms have a short lifespan; intervention must be fast:

1. Emergency Notification (24 Hours): As soon as symptoms of disease, loss of appetite, or death are observed (within 24 hours at the latest), a notification must be made to TARSİM.
2. Preserving Evidence: Dead silkworms and suspected mulberry leaves (to detect poisoning) must be preserved until the adjuster arrives.
3. Veterinary Control: If possible, obtaining a preliminary report from the district agriculture directorate veterinarians speeds up the process.

Which Situations are Paid?

Questions on the producer’s mind:

Situation	Coverage Status
Death due to Eating Pesticide-Treated Leaves	✅ Paid (Poisoning)
Flood Inundation of the Rearing House	✅ Paid
Death due to Lack of Care and Starvation	❌ Not Paid (Neglect)
Disease during the Cocoon Spinning Period	✅ Paid
Low Market Price	❌ Not Paid (Commercial Risk)

For general conditions of silkworm insurance and Kozabirlik applications, you can visit the official TARSİM (Agricultural Insurance Pool) website. Panacea Insurance stands by the producers who protect our cultural heritage.

In conclusion, Silkworm Insurance is the guarantee of your 40 days of intensive labor. Do not let a small neglect or external factor end an entire season.
With Panacea Insurance, may your cocoons be worth white gold and your future be secure.