Hail Insurance Coverage

• Crop Hail Insurance provides the producer protection against reduction in yield due to loss caused by hail and/or fire. With Crop Hail Insurance, a producer is allowed to insure up to the actual cash value of the crop and coverage is provided on an acre-by-acre basis that allows for damaged acres to be eligible for payment.
  
  
• Insurance may be purchased for the actual value of the crop.
  
  
• Policy becomes effective from 12:00 noon of the day following the date of application. Applications may be faxed to our office, called into our message manager, or postmarked at any post office. Policy coverage expires October 15th of the same year, or upon harvest of the crop.
  
  

  Message Manager - Please state agent and insured's name, time and date of call, total acres, liability and premium.

  
  
• Fire Coverage applies to all crops insured under policy at no extra cost. Some restrictions may apply.
  
  
• Cut Grain Coverage applies to all crops.
  
  
• A wide variety of deductible policy options are available that allow for a producer to partially self-insure and in turn reduce premium costs.
  
  
• A producer is allowed to increase coverage through the growing season if their risk increases. Indemnities are based on a percentage reduction in yield caused by the covered peril.
  
  
• Payment plan options available:
  
  
  • Cash payment due at time of purchase of policy
  • Cash payment with accompanied post dated cheque for August 15th
  • Note Premium due October 1st, with 5% loading charge with attached post dated cheque
  • Visa and MasterCard