Crop-Hail plans

• Basic: 0% Deductible pays at 1% payable loss
• DXS5: 5% Deductible disappears at 25% payable loss
• DXS10: 10% Deductible disappears at 50% payable loss
• DDA: 10% Deductible disappears at 25% payable loss
• DDB: 20% Deductible disappears at 40% payable loss
• DDC: 30% Deductible disappears at 55% payable loss
• XS10: 10% Deductible is Mandatory and remains throughout the payable loss; 100% loss pays 90%
• XS10IP: Excess over 10% loss has increasing payment of .5% for 1% loss after 70% damage
• Comp 2: No liability for loss until the loss exceeds 5%; thereafter, the loss is paid by 200% of the amount in excess of 5%
• B or C 2: Basic policy pays loss at basic plan through the first 10% damage; thereafter, the policy pays the loss at Companion 2 plan rate
• Comp 2D10: No liability for loss until the loss exceeds 10%; thereafter, the loss is paid by 200% of the amount in excess of 10%

Sentinel

This companion Crop-Hail insurance plan covers the portion of a policy holder’s crop not insured under his or her MPCI policy, on an MPCI policy unit basis. That portion of crop is defined as the difference between the approved Actual Production History (APH) average yield and the selected MPCI levels of coverage yield guarantee. Since coverage is specifically targeted for crop not included under the policy holder’s MPCI policy, the rates are considerably less than a basic hail policy.

The Sentinel plan is available for:

• Corn for grain
• Soybeans
• Small Grains

Perils covered by the Sentinel policy:

• Hail
• Transit
• Vandalism
• Malicious Mischief
• Fire/lighting
  (There is a minimum deductible of 5% for all perils other than hail)

How Sentinel works:

• An AWI MPCI policy is required at the coverage level of your choice
• Sentinel provides an extra modification factor of the policy holder’s APH
• Liability is based on an MPCI unit basis, rather than a per acre basis
• Adjusted loss settlement is paid at the end of harvest or end of insurance period

Endorsements available:

• Wind Coverage for Field Corn: Coverage for losses due to Green Snap, Lodging, or non-recoverable ears that have been severed from the stalk due to wind
• Green Snap - Wind Coverage for Field Corn: Coverage for losses due to Green Snap or non-recoverable ears that have been severed from the stalk due to wind

Additional coverage available:

• Sugar Beet Replant Buy-up Supplemental Coverage: Sugar Beet Replant Buy-up Supplemental Coverage provides sugar beet growers an addition to their MPCI policy to cover replant costs (only available to AWI MPCI policyholders)

MPCI and Crop-Hail insurance—do not sacrifice one for the other

Clients can use their money on a risk management product that provides the best economic return without allowing any coverage breach. Consider the following:

• At 75% MPCI Coverage, a 25% reduction of the APH is needed before a payable loss can be declared
• MPCI Coverage will pay loss based on the APH at the target price

Consider this scenario:

• A policyholder with 100 acres of wheat with a $5.00/$100 basic rate:
• Basic Coverage: $500.00
• DDA: $380.00
• DXS10: $370.00
• DDB: $280.00
• B or C 2: $710.00
• Comp 2: $680.00