Hail Insurance

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hail in hands after hailstorm
HWI / Farm, Ranch & Crop Insurance / Hail Insurance

Protect your crops with confidence and get reliable Hail Insurance.

Choose from our four trusted hail insurance companies and rest easy knowing your crops are protected: Municipal Hail, CHA Canadian Hail, Palliser Insurance, Co-operative Hail, and Rain & Hail.

Click on one of the below topics to unpack your Hail Insurance:

Find A Broker ←

We take pride in representing four reputable hail insurance companies that offer diverse coverage options and a range of payment plans. Together, we can find the right coverage to protect what matters most.

Click on the button below and fill out our online form; we’ll match you up with an advisor in your local area!

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Definition of Hail ←

As a farmer, it is important to understand the precise definition of hail. Hail is a type of precipitation characterized by transparent or partially opaque balls or irregular lumps of concentric ice.

It is important to note that hail is distinct from other types of frozen precipitation, such as sleet, snow, and frozen or partly frozen rain.

Deductible Options ←

As a policyholder, you may come across the term “deductible.” Essentially, it refers to the sum of money you, as the insured, must pay towards a covered loss in case of a claim. Typically, insurance providers offer a range of deductible options for various types of coverage. However, choosing the most suitable deductible option is not always straightforward. Here are some key considerations:

  1. A lower deductible means higher compensation for significant losses
  2. A higher deductible means reduced rates by avoiding the adjustment of small losses

FAQ to Ask Advisor ←

  • When does my hail coverage begin?
  • I’ve already bought a hail insurance policy but want to add more coverage. How do I do this?
  • What should I do if I plan on being away from my crops during the growing season?
  • What are the limitations of liability under my hail insurance policy?
  • What types of hail insurance can I buy?
  • Does my hail insurance cover any other perils?

Coverage Limits ←

Question: Can I obtain insurance coverage for my crop that exceeds its value?

Answer: It is recommended that the insurance limits procured are sufficient to compensate for the revenue loss caused by hail.

Notice of Loss ←

To initiate a Notice of Loss, it is imperative to submit it in writing as it cannot be accepted via telephone. Filing the Notice within 72 hours of the storm ensures prompt processing.

In the case of an after-hours claim emergency, please call 306.791.3757.

MAKE CLAIM

CHA Canadian Hail Agencies

Protect your hard work with CHA Canadian Hail Agencies, a leading provider of hail insurance solutions for Canadian farmers. Discover the deductible choices available for CHA insurance by clicking on the provided link.

Utilizing deductibles offers enhanced coverage for your premium investment against significant losses, especially if the insurance value is increased. It also results in lower rates due to avoiding expenses associated with adjusting minor losses.

Deductibles PDF

CHA Hail logo

Co-operative Hail Insurance

Co-operative Hail Insurance is a farmer-owned cooperative, so they understand your risks and have provided trusted hail insurance solutions since 1947.

When you choose Co-op Hail, your policy becomes effective at noon on the day after the application is submitted. All coverage ends on October 31st at noon. The latest date for obtaining insurance is August 1st at noon. The liability limit per acre ranges from a minimum of $50 to a maximum of $400. 

Palliser Insurance

When it comes to safeguarding your crops against hail damage, Palliser Insurance stands out as a leader in the field. Palliser Insurance takes pride in providing Canadian farmers with the most extensive selection of deductible options for crop hail insurance.

Click here to watch the video, see available deductible choices, their advantages, and the payout process in the event of a claim.

Watch Video ←

Rain and Hail

Experience top-tier crop protection with Rain and Hail, a Chubb company. Offering safeguards against physical damage caused by hail and/or fire, it includes additional coverages such as fire department service charges, transit coverage to the initial storage location, catastrophe loss award (for most coverages), and replanting coverage (for most crops).

Coverage is provided on an acre-by-acre basis. Even if only a portion of the farm is affected, payment may still be eligible for the damaged area while the rest remains unaffected.

Rain and Hail logo

Municipal Hail Insurance

Established in 1917, Saskatchewan Municipal Hail Insurance has over a century of experience, providing continuous coverage for landowners or lessees of Crown-owned land in Saskatchewan.

SMHI provides crop insurance that offers indemnities ranging from $30 to $425 per acre. The coverage period is from May 15th to October 31st or until the crop is harvested. To be eligible for coverage, you must be the owner of the land and insure all the crops planted on it. New applicants are required to enroll by June 30th.

SMHI logo

Questions about Hail Insurance? Learn More ←

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