Private Stand-Alone Programs

Private-Stand Alone programs are provided directly by Rain and Hail, protecting crops damaged by various perils, including fire and rain. Coverage is available in many states as specified by each individual program.

For more information on these products, contact your local Rain and Hail representative or login to your Rain and Hail account in the upper right-hand corner.

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Barn Fire

The Barn Fire program insures the tobacco against damage due to fire as it is being dried in the barn. Physical damage to the barn is not covered.

Availability: Kentucky and Tennessee

5/10

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Canning and Processing Tomatoes

The Canning and Processing Tomatoes program is designed to cover the grower for a loss of production due to quality problems resulting from excessive rain. Coverage is also provided against the inability of harvesting equipment to harvest the tomatoes due to excessive rain. A 20-ton guarantee is provided on an acre-by-acre basis.

Availability: California

5/10

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Citrus Freeze Coverage

The Citrus Freeze Coverage program is designed to cover the grower against yield and/or grade reduction due to external or internal damage caused by freeze. The deductible levels available are 25%, 35%, and 50%.

Availability: California

5/10

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Citrus Packer Coverage

The Citrus Packer Coverage program protects the citrus packer against unavoidable loss of production resulting from freeze to the citrus fruit supplied to them by the growers. The coverage levels available are 40%, 50%, and 60%.

Availability: California

5/10

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Field Grain Fire

Insures the standing grain crop against direct loss due to fire, lightning and removal from premises endangered by these perils.

Availability: Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming

10/24

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Germination Coverage for Hybrid Seed Corn

Protects the seed corn company and/or grower against inadequate germination due to frost or freeze. If the warm test germination rate is less than 90% due to frost or freeze, this would be a covered loss under this program.

Availability: Florida, Illinois, Indiana, Iowa, Minnesota, Nebraska, Texas and Wisconsin

9/24

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Hay Fire

Insures hay stored in the open or in buildings or structures against direct loss by fire. Other coverages provided include loss of hay due to windstorm, collision, overturn and collapse of bridges, docks or culverts while the hay is being transported, loss of fencing, fire department service charges and theft and vandalism.

Availability: Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin and Wyoming

5/10

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Hybrid Seed Corn Company

Insures the seed company’s financial investment in growing a seed corn crop. The policy references the Multiple Peril Crop Insurance (MPCI) policy with the seed company’s growers and a claim is triggered at the same point as the individual grower’s MPCI policy.

Availability: Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Nebraska, Ohio, South Dakota and Wisconsin

9/24

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Pasturage Fire

Insures the standing pasture against direct loss by fire.

Availability: California, Colorado, Idaho, Kansas, Montana, Nebraska, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington and Wyoming

9/24

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Rain Insurance

Insures against direct loss to events caused by rainfall. It does not cover any loss to property or from any other peril even though the loss may have occurred in conjunction with the rainfall.

Availability: All states

5/10

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Tree Farm Fire

Insures trees that are planted on acreage enrolled in the Conservation Reserve Program (CRP) of the United States Department of Agriculture (USDA) against fire. The Tree Farm Fire program is a replacement cost program in which the coverage amounts increase as the trees mature.

Availability: Alabama, Florida, Georgia, Louisiana, Mississippi and South Carolina

5/10

The insurance products described here are subject to availability and qualification. This is not an exhaustive list of all products available. Product availability and coverage subject to change. Contact your Rain and Hail representative for more information.