• Hail, fire and lightning damage
• Fire department service charges
• Crops damaged while in transit
• Crops damaged while in storage

Since there are multiple Crop Hail options and insurance companies to choose from, your Rabo AgInsurance Services specialist will help you choose the right coverage to meet your overall risk management needs, including:

• Standard Crop Hail Plan provides acre-by-acre protection against physical damage to crops from hail or other covered peril. Standard Crop Hail plans can be used to cover up to the full value of a crop. Acre-by-acre protection evaluates loss at the individual field level vs spreading loss across the entire operation, making this option well suited for high-value or high-risk acres.

• Companion Crop Hail Plan can be used to protect the portion of your crop against physical damage not covered by your MPCI policy. This plan is designed as a gap-filling option, addressing physical damage that may not trigger indemnity under revenue protection provisions. Companion Crop Hail plans are written with MPCI policies to avoid duplicate coverage.

• Production Crop Hail Plan pays only for actual production losses due to hail or other covered peril, so it’s less expensive and can be used in conjunction with MPCI. The producer may be indemnified up to 100% of the value for the lost or damaged crop. Lower premiums reflect the trade-off between cost and scope, with indemnity based strictly on measured yield loss rather than insured value.

Why Crop Hail Coverage Matters in Agricultural Risk Management

Hail risk differs from many other perils as the damage is highly localized and rarely aligns with county-level loss patterns. These events are severe, difficult to predict and capable of wiping out early-season investments in a matter of minutes.

Additional complexity comes from how unevenly hail can strike, damaging one field while leaving neighboring acres untouched. This makes field-level protection critical for operations that rely on consistent production outcomes.

For producers growing high-value crops or operating under tight margins, crop hail insurance supports financial resilience by protecting both revenue and loan collateral. This targeted protection helps stabilize cash flow during seasons when widespread programs may not respond.

A well-structured crop hail policy allows producers to recover faster from loss events, reducing the need for short-term financing or delayed operational decisions after a storm.

How Crop Hail Coverage Works with MPCI

MPCI provides broad protection tied to yield and revenue across an entire operation, using tools like actual production history to set coverage levels. Crop hail coverage takes a more targeted approach, responding to physical damage caused by specific events at the field level.

Together, these coverages address risk from multiple angles. Producers can manage localized storm damage without depending on a single policy to respond to every type of loss.

This layered structure improves claim accuracy and speeds up recovery, allowing field-level issues to be addressed quickly while broader farm revenue protection remains in place. Many lenders view this approach as part of a well-structured production plan.

In regions where storms bring additional exposure, pairing hail coverage with wind insurance adds another layer of protection against damage that may fall below broader policy thresholds.

Partner with Rabobank for Crop Hail Coverage

At Rabobank, our Rabo AgInsurance Services team we works directly with producers to build crop hail coverage that reflects real field conditions, regional weather patterns and market exposure. Our specialists bring practical insight to every conversation, helping align production hail crop insurance with broader business insurance goals.

We walk through how coverage decisions shape cash flow, operational flexibility and seasonal planning. Producers can evaluate options with a clear understanding of how protection fits their risk profile and production needs.

We offer personalized crop risk analysis and coverage reviews led by advisors who understand how yield, revenue and area yield protection work together under changing conditions. Our consultative process supports informed decisions that hold up during both strong years and difficult ones.

Clients choose to work with us for the long term. That’s why we focus on building lasting relationships that provide consistency, continuity and reliable guidance as operations grow and adapt over time.