Crop Hail

Most hailstorms last three to five minutes. In that time, Mother Nature can deal a crushing blow to your crops, your profits, and the future of your farming operation. Remove that risk today with Crop Hail coverage.

Crop Hail coverage provides protection against physical damage from hail and/or fire. Some hail policies include extended coverages like fire and lightning, vandalism and malicious mischief, and certain perils while in transit and storage at no additional cost to you.  Check to see which AIP might cover those items.

Pickard Insurance Services has several Insurance providers offering varieties of hail coverages available depending on your specific needs: full/basic, dollar/deductible, and companion.

Basic How Does It Work?

  • A dollar amount of coverage is selected by the producer. Options with different deductibles may be selected to permit a producer to partially self-insure for reduced premium costs.
  • Coverage is provided on an acre-by-acre basis, so that damage that occurs on only part of a farm may be eligible for payment when the rest of the field remains unaffected

What Are the Benefits?

  • Provides protection up to the actual value of your crop
  • Allows you to buy the protection you need for your crops in the spring while waiting until fall to pay the premium
  • No value clause
  • Catastrophe allowance offered on most policy types
  • No pro rata clause