We deliver risk management products that provide a level of security to farmers, who operate at the mercy of the weather and markets. We are well-equipped to provide crop hail insurance products and services that meet the risk-management needs of the American farmer and rancher, and to support the crop insurance agents who serve them.
- Fast and accurate claims service
- Financial strength
- Superior customer service
- Innovative technology
- Knowledgeable employees
- Specialty crop expertise
Crop Hail Decision Making
Hail is one catastrophe that is most likely to totally destroy a part of your crop and leave the rest undamaged. The acres and loss of crop yield caused by hail damage may be less than the deductible of your federal crop insurance policy or it may not lower your yield enough for a revenue insurance policy to protect your profits. Crop hail insurance can fill that gap.
While federal crop policies protect you against losses severe enough to significantly drop the yield per insured unit, crop hail insurance gives you acre-by-acre protection that can be up to the actual cash value of the crop. Crop hail is especially important to those with area risk policies, like ARPI, which leaves individuals exposed to spot losses due to hail.
You can also buy additional crop hail coverage during the growing season (prior to damage) to protect added profit potential from bumper crop yields or high-than-normal crop values. Even if your frequency of hail damage is low, remember that crop hail coverage is rated for your area. It is an inexpensive way to protect against hail damage.
Benefits of Crop Hail
The benefits of crop hail insurance include:
- Protects profits
- Helps shelter pre-harvest crop sales
- Protect crops up to the full cash value
- Acre-by-acre coverage provides protection from isolated damage
- May be used as loan collateral
- Crop Hail Flexibility
How Crop Hail Works
Your trusted ProAg agent works with you to design crop hail coverage to fit your risk management strategy and flexible deductibles allow you to tailor the cost of your crop hail policy to meet your budget.
Your crop hail policy may also provide coverage for perils other than hail. In many areas, basic hail coverage includes:
- Fire and lightning
- Reimbursement of replanting costs
- Carry over coverage
- Stored grain coverage
- Plan Availability
ProAg offers a range of crop-hail plans, from Basic Hail to a variety of Companion Plans that are specific to each state. Not all plans are available in all states; however, ProAg has tailored the plans to meet the needs of insureds in each state and region. By working with your trusted ProAg agent, you can determine which available plan will best meet your risk management needs for the current insurance year.
Optional Annual Renewal of Crop Hail Endorsement (ARCH)
This optional endorsement modifies the annual crop hail policy to an automatic (continuous) renewing policy at no additional charge. Request for this coverage can be written at the same time as the MPCI coverage with only one application form to sign. When the MPCI acreage report is processed, the information is imported into the associated ARCH policy for ease of use.
Which Crop Hail Insurance Plan Is the Right Plan for You?
Crop hail insurance is available in a variety of forms and not all plans of insurance are available everywhere or for every crop. Contact your professional ProAg crop insurance agent for assistance in comparing the risk management options available to you and your unique operation.
When you partner with ProAg, you are always ready for what comes next.