Baird Crop Insurance Agency offers flexible coverage designed to protect crops from damaging weather conditions during specified coverage periods. These Named Peril products are recommended as supplements to your MPCI. They are designed to cover gaps in coverage such as hazards unique to specific crops, in your area, or to cover a processor.
Supplemental Products – Must be purchased in combination with a Multi-Peril Crop Insurance (MPCI) policy. Global Ag offers several supplemental policies that are designed to enhance your underlying MPCI policy. These products provide increased protection above that offered under the multi-peril coverage in certain states on selected products.
Crop Hail – Crop Hail Insurance provides coverage against loss to growing crops caused by hail. Depending on the crop insured, a crop hail policy may also provide coverage for loss caused by any of the following perils: fire, lightning, wind (when accompanied by hail or by separate endorsement), vandalism and malicious mischief. Crops may also be insured while being transported to a first place of storage and in the first non-commercial place of storage.
Replant Option – The Replant Option is available as a supplement to selected Multi-Peril Crop Insurance crops and plans. In the event of a MPCI replant the insured receives an additional payment from the Replant Option policy. This policy also covers replant costs on smaller acreage than Multi-Peril Crop Insurance.
Contingent Business Interruption – Covers processors and packers of citrus for lost income due to shortage of fruit or vegetables to process caused by insured perils. (*Available only in California)
Citrus Freeze – Covers damages due to freezing of navel and Valencia oranges, lemons, and grapefruit. (*Available only in California)
Tomato Rain – Covers losses caused by the development of mold or rot or inability to harvest processing tomato crops due to excessive rain. (*Available only in California)
Crop Fire – Protects an un-harvested crop against loss due to fire or lightning. Also covers transit losses.
Raisin Reconditioning – Covers the cost of reconditioning raisins damaged by rain while drying on trays in the field. Optional coverage for slipping and turning costs is available.
Dry Bean Rain – Protects your dry bean crop from physical damage from the time the bean plants are mechanically cut for drying until actual harvest pick-up occurs.