Hail has the unique ability to totally destroy a significant part of a planted field while leaving the rest undamaged. So, in areas of the country where hail is a frequent event, farmers often purchase a Crop-Hail policy to protect high-yielding crops.

This private sector coverage is provided on an acre-by-acre basis. So when damage occurs on only part of a farm, these acres may be eligible for payment even when the rest of the field remains unaffected. A traditional hail policy pays indemnities based on the percent of damage a crop sustains. A Crop-Hail policy does not require an underlying MPCI policy to qualify, but is not a part of the Federal Crop Program, and does not receive government subsidies.

Many farmers who already have protection from their federally-subsidized MPCI plan elect to add a Production Hail endorsement to their current coverage. The Production Hail plan is a more efficient alternative to the traditional Crop-Hail policy and aims to concentrate coverage strategically in order to mitigate any gaps created by yield and revenue policies. It also goes a step above traditional Crop-Hail insurance by covering actual hail loss and final production of the total harvest. It allows producer to protect crop against hail loss up to 120% of their APH. This option is only available to farmers who already have MPCI coverage.