Crop Protection Against Weather Conditions

Weather-indexed protection for crops: mitigate the financial impact of abnormal rainfall, drought, heat, or freeze with a coverage calibrated to your fields.

Abnormal weather—prolonged rain, lengthy droughts, extreme heat, or freeze—can damage yields, quality, logistics, and cash flow. Our parametric (index-based) crop cover reduces that volatility and can respond to losses that traditional insurance may not capture. You choose the tolerable level of adverse weather and the payout required to defend your P&L.

Unlike conventional claims that demand proof of severity, causation, and loss size, our policies rely on objective measurements from nearby weather stations or satellite rainfall/temperature data. If the pre-agreed trigger is met, your policy pays automatically—clear, timely, and transparent.

Coverage can be annual or multi-year, and can run for any number of days to match your growing window. Premiums are due 20 days prior to inception, and valid claims are settled 14 days after expiry, helping you plan with confidence and communicate reduced volatility to stakeholders.

What Sets Our Crop Weather Cover Apart

Evidence first, admin last

Objective triggers: Named station(s) or satellite grid cells specified in the policy.
No lengthy loss adjustment: When the agreed index level is reached, payouts follow.
Multi-peril design: Mix and match heavy rain/snow, drought, heat, and freeze to reflect on-farm risk.

By transferring weather risk to the insurer, you stabilise revenues and can disclose that reduction in volatility to investors and lenders.

Two Ways to Structure the Trigger

Day-Count Model: Define a deductible in days and a daily excess (e.g., rainfall ≥ X mm, or temperature ≤/≥ Y °C). After the deductible number of qualifying days, each additional day pays the agreed limit up to the maximum limit.
Accumulated Index Model: Track total precipitation or temperature over the period. Once the period total crosses the deductible (e.g., >50 mm in a month, or degrees below/above a threshold), the policy pays per unit of excess, capped by the maximum limit. A day-based excess can also be included.

Measurement: All readings come from the nearest station(s) or specified satellite grid cell(s); for portfolios, we can list a panel of stations or grids to reflect your geography. Satellite rainfall can resolve to ~5×5 km and as fine as 0.1 mm in many regions.

Key Policy Parameters

These building blocks define how your crop weather cover behaves and how payouts are calculated:

Period: Inclusive dates from inception to expiry (can be tailored to planting, growing, or harvest stages).
Location: Coordinates of the risk or territorial limits for a portfolio.
Excess – Day: Predetermined number of adverse-weather days before the policy activates.
Excess – mm / °C: Predetermined daily threshold (rainfall or temperature) that defines a qualifying day.
Deductible: The day count or cumulative mm/°C at which payouts begin.
Limit: Amount paid per qualifying day or per unit (mm/°C) beyond the deductible.
Maximum Limit: The most the policy will pay during the period.
Data Source: Named meteorological station(s) and/or satellite grid cells used for measurement.

Operations: Premium is due 20 days before inception; valid claims are paid 14 days after expiry. Annual and multi-year terms are available.

Frequently Asked Questions

Designed for growers and agribusinesses—simple rules, objective data, transparent settlement:

Questions

Do we need to insure the whole year?

No. We can focus cover on your planting, growing, or harvesting stages only.

If adverse weather never reaches the trigger, do we get our premium back?

No. This is an insurance policy and only pays if the insured peril occurs.

Our fields are spread out and weather is local—how do you handle that?

We can specify multiple nearby stations or a panel for portfolios; in many regions, satellite data provides finer localisation and can be used alongside station data.

What do you need to quote?

Typically: (1) location of risk, (2) at least five years of crop loss history, (3) desired limits, (4) excess/deductible preferences, (5) policy period.