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Pasture Fire Protection

ProAg’s supplemental Pasture Fire Protection (PFP) insurance policy covers perennial pasture, rangeland or forage (PRF) used to feed livestock against defined fire losses.

Pasture Fire Protection Policy Overview

The Pasture Fire Protection (PFP) policy insures perennial pasture, rangeland or forage ground against fire caused by the direct result of lightning strikes, machinery equipment or weather related downed power lines. The policy also covers fire department service charges up to $500 for charges incurred when the fire department is called to save or protect the pasture locations specified in the Schedule of Insurance.

The PFP policy is an annual policy. Policyholders must submit an application each year to obtain coverage. The policy can be purchased at any time; however, coverage will not attach until 72 hours after receipts of the signed application. This is a new 2020 policy that will not go into effect until January 1, 2020. Coverage expires on December 31st at 11:59 p.m.

The Pasture Fire Protection premium will be due at the time the application is received. The minimum annual premium for PFP will be $100.

Liability and Claim Example

A grower has 500 acres of PRF ground that meets the eligibility requirements and is insured at $20.00 per acre. The ProAg Pasture Fire Protection policy provides $10,000 of coverage. A lightning strike causes 300 acres of insured PRF ground listed on the Schedule of Insurance to burn. The amount of loss payable on the insured acreage would be 300 acres multiplied by $20.00 per acre equaling $6,000. With the $100.00 deductible subtracted, the final payable indemnity would be $5,900.

Loss Calculations

The amount of loss payable on any insured acreage will be determined in the following manner:

  1. Multiply the number of acres destroyed as determined by us by the insurance per acre as shown on the schedule of insurance less the $100 deductible
  2. Fire Department Service Charge: We will pay up to $500 for the insured’s obligation assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect the field.

Contact Us for Complete Policy Details

Contact your trusted ProAg agent today for more information on Pasture Fire Protection and the states it’s available in. See the policy provisions for a complete description of available coverage, terms and conditions.

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Not all coverage or products may be available in all jurisdictions. The description of coverage in these pages is for informational purposes only. Actual coverage will vary based on the terms and conditions of the policy issued. The information described herein does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by ProAg or any of its subsidiaries.