Private Stand Alone Programs

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

The Business Interruption program provides protection against reduced agricultural production due to localized disasters occurring in the business’ trade area that are of limited magnitude such that marketing strategies using futures and options are not effective in offsetting the reduction in the business’ production volume. Protection is provided against loss of production in the business’ trade area on an area yield basis. At the time of application, the business provides estimates of the percent of its business from each county and each crop in its trade area and selects the dollar amount of coverage and the deductibles desired.

Availability: All states

5/10

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

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

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

The Extra Long Staple Cotton program is designed to cover the ELS cotton against grade reduction due to damage caused by excess rainfall. The deductible levels available are 15% and 20%.

Availability: California

5/10

Field Grain Fire

The Field Grain Fire program insures the standing grain crop against direct loss by fire. It also covers any loss of grain due to collision or upset of vehicles while the grain is being transported to the first place of storage. A Stored Grain Coverage endorsement is also available to cover the grain in storage against fire.

Coverage Situations

• Field growing crops
• Harvested crops to first place of storage
• Optional: Harvested crop in storage, and transit coverage from original storage site to normal selling point

Coverage Period

• Coverage begins at 12:01 A.M. on the date immediately following the date the applicant and the agent sign the application.
• Coverage ends at 12:01 A.M. on December 1 of the same crop year (one crop grown to harvest).

Coverages

• Dollars per acre (up to the actual value)
• Maximum limits per acre by crop (same as Crop-Hail limits)
• Covers additional perils of windstorm, collision, overturn, and collapse of bridges, docks, or culverts for transit to first place of storage within 100 miles (50 miles in ID, NV, OR, UT, and WA), $1000 limit per occurrence and excess over other valid coverages
• In ID, NV, OR, UT, and WA stubble coverage (excluding grass seed) is available up to 10% of the insurance per acre (not to exceed $10 per acre), and fire department service charges up to $250 Perils Direct loss due to fire, lightning, and removal from premises endangered by these perils.

Additional Coverage Items

• Stored grain coverage is optional and covers the insured crops at the first place of storage against fire and lightning ($100 deductible per occurrence applies)
• The Stored Grain Coverage Endorsement also provides transit coverage from the first place of storage to the normal selling point, not to exceed 100 miles
• Coverage begins at the first place of storage and ends at 12:01 A.M. June 1 of the following year
• Refer to the optional endorsement for specific exclusions
• Rate is an additional $.04/$100 of liability

Premium

• Entire premium earned upon inception date of the policy
• Annual premium
• Premium due with application
• $50.00 minimum premium
• Rate is subject to filed rates by state

Rates

• $.25/$100 of liability: ID, NM, NV, OK, OR, TX, UT, WA, and WY (exceptions - $.17/$100 of liability in OR counties of: Benton, Clackamas, Clatsop, Columbia, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill)
• $.20/$100 of liability: IA, IL, IN, MI, MN, MO, MT, ND, OH, SD, and WI
• $.17/$100 of liability: CO, KS, and NE
• $.25/$100 of liability with a firebreak and $.45/$100 of liability without a firebreak: AZ and CA

Loss Payment

Amount payable will be determined by multiplying the number of damaged acres by the amount of insurance per acre.

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

Germination Coverage for Hybrid Seed Corn

The Germination Coverage for Hybrid Seed Corn program 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

5/10

Hay Fire

The Hay Fire program 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.

Coverage Situations

• Stacks, chopped hay, baled hay and cubed hay
• Hay located in open areas, buildings or structures
• Excludes growing hay

Perils

Direct loss due to fire, lightning and removal from premises endangered by these perils

Coverages

• Dollars per ton (actual value)
• Maximum $100,000 per stack

Additional Coverage Items

• Loss of hay due to windstorm, collision, overturn and collapse of bridges, docks or culverts while the hay is being transported
• Loss of fencing surrounding the hay
• Fire department service charges
• Theft and vandalism

Coverage Period

• Coverage begins the later of: 12:01 a.m. immediately following the date the application is signed by the applicant and the agent; or 12:01 a.m. on the inception date specified in the Schedule of Insurance
• Coverage ends the earlier of: total destruction of the insured hay; as the hay is fed or sold *; or 12:01 a.m. on the day following the expiration date specified in the Schedule of Insurance

Premium

• Annual premium
• Premium with application
• $100.00 minimum premium
• Minimum allowable policy = 90 days
• Maximum allowable policy = one year

Loss Payment

Amount payable will be determined by multiplying the number of tons lost by the amount of insurance per ton, less the deductible

Deductible Options (per occurrence, per location)

• The greater of $250 or half a percent of the applicable liability for each damaged stack
• The greater of $500 or one percent of the applicable liability for each damaged stack
• The greater of $2,500 or five percent of the applicable liability for each damaged stack

Rates*

AZ, CA, ID, NV, NM, OK, OR, TX, UT, and WA
Deductible Rate	Days in Coverage Period
	1-90	91-180	181-270	271-365
$250/0.5%	0.70	1.05	1.35	1.60
$500/1.0%	0.65	1.00	1.30	1.55
$2,500/5.0%	0.60	0.90	1.15	1.40

CO, KS, MT, NE, ND, SD, and WY
Deductible Rate	Days in Coverage Period
	1-90	91-180	181-270	271-365
$250/0.5%	0.65	0.95	1.20	1.45
$500/1.0%	0.60	0.90	1.15	1.40
$2,500/5.0%	0.55	0.80	1.05	1.25

IA, IL, IN, MI, MN, MO, OH, and WI
Deductible Rate	Days in Coverage Period
	1-90	91-180	181-270	271-365
$250/0.5%	0.60	0.85	1.10	1.30
$500/1.0%	0.55	0.80	1.05	1.25
$2,500/5.0%	0.50	0.70	0.90	1.10

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

2/11

The Hybrid Seed Corn Company program is designed to insure 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

2/11

The Inland Marine program insures the tobacco bulk or mobile curing barns against damage due to fire. It does not cover any damage to the tobacco by fire.

Availability: Florida, Georgia, North Carolina, South Carolina, and Virginia

5/10

The Pasturage Fire program insures the standing pasture against direct loss by fire.

Availability: California, Idaho, Montana, Oregon, Texas, Utah, and Washington

5/10

The Rain Insurance program 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

The Tree Farm Fire program 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