Crop Hail & Private Crop Products Coverage
Named-peril hail and wind protection for your acreage, paid on a percentage-of-damage basis.
This is an estimate, not a bound policy — a licensed VAB producer confirms final terms before coverage starts. Sgt. Savings can answer questions but can't quote, bind, or guarantee coverage.
Federal multi-peril crop insurance doesn't cover every risk a grower actually faces, and hail damage in particular can be severe, localized, and fast. Crop Hail & Private Crop Products coverage is a first-party, named-peril policy for your insured acreage — hail, fire, and lightning at its core, with companion wind damage, green snap, and a replanting payment available, paid on a percentage-of-damage basis rather than a flat claim process. A Hostile Fire endorsement is available to carve fire and lightning damage back in where a standard pollution exclusion would otherwise complicate a claim.
Who This Is Really For
The ideal buyer.
The ideal buyer is a row-crop or specialty-crop grower who already carries federal multi-peril crop insurance and has been through at least one hail event that made clear how narrow that base coverage really is against a fast, localized storm. Many specialty-crop growers in particular have shifted acreage toward higher-value crops and recognized that a hail loss on that acreage is proportionally more damaging than the same storm hitting a lower-value commodity crop, which makes dedicated hail protection worth the added cost. The trigger is often seasonal and regional: planting in a high-hail-frequency corridor, a bad hail season across the area that made every grower nearby reassess their coverage, or the first year growing a specialty crop where MPCI alone doesn't feel like enough. This buyer isn't replacing federal crop insurance — they're adding a fast-responding, percentage-of-damage hail layer specifically because federal MPCI was never built to be the primary answer to a single severe hailstorm.
- Row-crop and specialty-crop growers wanting dedicated hail protection separate from, or in addition to, federal multi-peril crop insurance
- Growers in high-hail-frequency regions where a single storm can devastate a field in minutes
- Operations wanting Companion Wind Damage and Green Snap coverage added alongside core hail protection
- Growers who've had to replant after a covered loss and want a Replanting Payment built into the policy rather than absorbing that cost themselves
- Farm operations wanting the Hostile Fire endorsement specifically to make sure fire and lightning claims aren't complicated by a pollution exclusion
What It Covers
Coverage, broken down.
Crop Hail — hail, fire, and lightning
Core named-peril coverage for damage to the insured crop from hail, and from fire or lightning, on the insured acreage.
Companion Wind Damage
An available extension adding wind damage as a covered peril alongside the core hail, fire, and lightning coverage.
Green Snap
Covers stalk breakage from wind during rapid growth stages — a specific and common cause of yield loss that a general wind endorsement doesn't always capture well.
Replanting Payment
Pays toward the cost of replanting the insured acreage after a covered loss requires it, recognizing replanting as its own real cost beyond the crop loss itself.
Hostile Fire endorsement
Carves fire and lightning damage back in from a pollution exclusion that could otherwise complicate how a fire-related crop claim is handled.
Illustrative Scenario — How This Coverage Responds
Illustrative scenario — a hailstorm during the growing season
A grower's field takes a direct hit from a severe hailstorm mid-season, damaging a significant percentage of the standing crop across the insured acreage. Under an illustrative Crop Hail policy, the loss is assessed on a percentage-of-damage basis against the insured acreage and paid according to that assessment, subject to the policy's terms and any elected extensions like Companion Wind Damage. This is a description of how the coverage is structured to respond, not a specific dollar payout VAB is promising.
Illustrative example for education only — not a claim outcome or a promise of payment. Every claim depends on the actual policy issued and its terms.
More Than One Way In
More scenarios.
Real coverage doesn't fit one story. Here's who else this shows up for.
The specialty-crop grower diversifying into higher-value acreage
A grower shifts a portion of acreage from a commodity row crop to a higher-value specialty crop and recognizes that a hail loss on that acreage would be proportionally more damaging than the same storm on the commodity crop. The grower adds Crop Hail coverage specifically sized to the specialty acreage's higher per-acre value. This illustrates a common reason growers diversify their coverage alongside their crops, not a claim outcome.
The operation in a high-hail-frequency corridor
A farm operating in a region known for frequent, severe, localized hailstorms during the growing season reviews its coverage after a neighboring farm's crop was devastated by a storm that missed the operation's own fields by only a few miles. It adds dedicated hail coverage recognizing that regional frequency, rather than relying on federal MPCI alone. This is an illustration of a common regional trigger, not a specific claim scenario.
The grower adding wind and green snap after a prior bad season
A grower who experienced significant stalk breakage from wind during a prior rapid-growth stage realizes the base hail policy alone wouldn't have addressed that specific loss pattern. The grower adds the Companion Wind Damage and Green Snap extensions for the following season to close that specific gap. This illustrates how a prior season's experience can shape coverage elections, not a claim outcome.
Know The Gaps
What this doesn't cover.
Every policy has limits. Knowing them before you buy is how you avoid a denied claim later.
Drought or heat
This is a named-peril hail-centered policy, not multi-peril crop insurance — drought and heat stress need to be addressed through federal MPCI or a separate weather-index product.
Excess moisture or flood
Flooding and excess-moisture damage fall outside this policy's named perils — growers in flood-prone areas need that risk covered elsewhere.
Frost, freeze, snow, or ice
Cold-weather perils aren't part of this hail-focused form — if frost or freeze is a real risk for your crop and region, ask what coverage actually addresses it.
General windstorm, unless bought into the policy
Wind damage isn't automatically covered — it requires the Companion Wind Damage extension, so confirm it's actually on your policy if wind is a real exposure alongside hail.
Disease, insects, and weeds
Biological crop-loss causes are excluded from this named-peril form — those risks typically need to be managed through agronomic practices or addressed under a different policy type.
Wildlife damage
Crop loss from deer, birds, or other wildlife isn't a named peril here — fencing, deterrents, or a different coverage structure are the tools for that exposure.
Ag-chemical drift and faulty farming practices
Damage from drifted herbicide/pesticide or from your own farming practices isn't a covered peril — chemical drift from a neighboring operation may need to be pursued as a liability claim against that party instead.
Loss after harvest, except limited transit or windrow extensions
Coverage is built around the standing crop — once harvested, protection narrows to specific, limited post-harvest extensions if elected, not general post-harvest storage risk.
Behind The Quote
What goes into the decision.
What actually moves your price and your approval — no black box.
Crop type and per-acre value
Higher-value specialty crops carry a proportionally larger loss from the same percentage of hail damage, which directly affects how coverage is sized and priced relative to a lower-value commodity crop on the same acreage.
Regional hail frequency and severity
Location in a known high-hail-frequency corridor is a meaningful factor in both availability and pricing, since it reflects the actual historical likelihood of a severe, localized storm hitting the insured acreage.
Whether Companion Wind Damage and Green Snap are elected
Wind damage and stalk breakage during rapid growth aren't automatically covered — they require specific extensions, so a grower needs to decide whether those loss patterns are a real enough risk for their crop and region to justify electing them.
Existing federal MPCI coverage
Since this policy is typically bought alongside federal multi-peril crop insurance rather than instead of it, how the two programs' terms interact — and where MPCI's own hail provisions fall short — factors into how this coverage should be sized.
Fire and lightning exposure
The Hostile Fire endorsement exists specifically to keep fire and lightning claims from getting complicated by a pollution exclusion, so growers with real fire exposure on their acreage should confirm that endorsement is actually included rather than assumed.
Let's get you covered.
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Availability
Placed nationwide, with terms adjusted state by state.
Questions, answered straight
No jargon on crop hail & private crop products coverage — just what you're actually asking.
No. This is a private, named-peril policy centered on hail (plus fire, lightning, and optional wind/green-snap extensions), paid on a percentage-of-damage basis. It's commonly used alongside federal multi-peril crop insurance to add or supplement hail-specific protection, not as a replacement for it.
No — general windstorm coverage requires the Companion Wind Damage extension. Without it, wind-only damage (with no accompanying hail) generally isn't a covered peril under the base policy.
Green Snap is stalk breakage that happens specifically during rapid growth stages under wind stress — it's a distinct loss pattern from general wind lodging, which is why it's written as its own coverage rather than assumed to be covered under a general wind extension.
Yes — a Replanting Payment is a specific coverage part in this policy, paying toward the cost of replanting insured acreage after a covered loss makes it necessary.
It carves fire and lightning damage back into coverage from what would otherwise be a pollution exclusion — without it, certain fire-related crop claims could get caught up in that exclusion's language. It's worth confirming is included if fire risk is a real concern for your acreage.
On a percentage-of-damage basis — an adjuster assesses the percentage of the insured crop damaged across the affected acreage, and payment is calculated against that assessed percentage rather than a flat per-incident amount.
Beyond This Coverage
What people in your situation also need.
Business Banking
A grower carrying seasonal revenue concentration benefits from an operating banking relationship that can flex with the timing of planting, harvest, and any hail-loss recovery.
ExploreEquipment Financing
Replanting or recovering acreage after a covered hail loss often means financing additional equipment time or replacement inputs beyond what the policy's replanting payment covers.
ExploreRelated Coverage
Coverage people pair with this.
Ecological Restoration & Mitigation Assurance
Financial assurance for a mitigation or restoration obligation you're on the hook to deliver.
Learn moreEnvironmental Pollution Liability
Liability coverage for pollution conditions a general liability policy leaves out.
Learn moreCarbon Sequestration Liability Coverage
Liability protection for the operator of a CO2 geologic storage facility.
Learn moreReady to talk it through?
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Insurance products described on this page are marketed by The Veteran Alliance, a licensed insurance producer, and underwritten by one or more separately licensed insurance companies, which may include Corgi Insurance Company and its affiliates. The insurer that actually underwrites your policy, its licensing status in your state, and any state-required notices will be identified in your quote and policy documents. Coverage, limits, eligibility, and pricing are determined by the underwriting insurer, may vary by state, and may change. Nothing on this page is a quote, an offer of insurance, a binder, or a guarantee of coverage — coverage takes effect only when a policy is issued.