Crop Hail Insurance

Crop Hail provides coverage for reduced quality and production due to hail events. Crop Hail is a supplemental policy not subsidized by the federal government.
Hail Caught in Netting in Apple Orchard with damaged yellow apple and green tree leaves.

Crop Hail Insurance Product Details


Based on a producer selected dollar amount per acre rather than production history as with MPCI policies.

Coverage is also dependent on growth stage of the crop.

  • Tree fruit — effective when 90% has grown to 1/2 inch in diameter.
  • Berries — effective when berries are clearly visible and formed.
  • Grapes — effective after 75% are at least 1/8 inch in size.


  • For most fruit crops — 15% to 25%
  • For most row crops — there is no deductible, however, damage must exceed either 5% or 10% depending on crop and insurance company.

Additional Information

  • Indemnity payments for Crop Hail will not offset payments from your MPCI crop insurance policy.
  • Coverage takes effect at 12:01 a.m. on the second day following the date that you and your agent sign the application.
  • Premium is due with the application and varies by crop and state.

Next Step

Contact us today and see how a Crop Growers Crop Hail Insurance plan can work for you.