Hail Production Plan

Looking for a Hail Production Plan in Seward?

We’ve got you covered.

At Suhr & Lichty Insurance Agency we realize that farming is the backbone of our country, and no matter how large or small your farming operation is, we have the expertise to help properly insure your business.

Being independent, we have partnered with the best crop insurance company in Nebraska. This is important because crop insurance costs are the same no matter what crop insurance provider you are with.

This means we have the flexibility to truly find you the best possible product at the best price. Companion Hail Insurance is a great complement to your multi-peril crop insurance policy.

What is a Hail Production Plan?

Many producers like to buy a hail insurance policy in addition to a multi-peril policy on their crops. Hail insurance policies vary considerably in the way that the payout in the event of a loss is made. Typically, they pay a percent of the stated dollar amount of coverage per acre purchased. In recent years a new type of policy has been introduced that works as a companion with your multi-peril policy to provide excess coverage in the event of a hail loss. This new plan is called a Hail Production Plan

The purpose of a Hail Production Plan is to cover, on a Multiple Peril Crop Insurance basis, the portion of the crop not insured under your MPCI policy, identified as the difference between the approved Actual Production History average yield and the selected MPCI level of coverage yield guarantee and to provide coverage for loss against the perils of Hail, fire and lightening, and transit coverage up to the insured limit selected.


  • A Production Companion Hail policy will insure you for more bushels than your historical Actual Production History (APH) and thus can add significant protection against loss for the perils of Hail, fire and lightening, and transit.
  • The cost is typically less than purchasing similar levels of coverage using a typical hail policy.
  • In addition, the payout is typically quicker than most crop hail policies.
  • Thus, it has merit for consideration if you normally buy additional hail coverage on your crop or desire to protect more bushels against a hail loss.
  • Protects the portion of your crop exposed with yield and revenue policies—up to 120% of the insured’s APH
  • Maximizes coverage to avoid double coverage on crops
  • Coverage is on a unit basis
  • All eligible acres of the requested crop/county from the underlying MPCI policy will be insured
  •  Can elect the option to insure only irrigated practice acres or all acres, by crop/county

What does a Hail Production Plan cover?

We work with you to design a hail production plan to fit your risk management strategy that allows you to tailor the cost of your hail production plan to meet your budget.

Your crop production plan provides coverage for the same for perils as a companion hail policy. In many areas, basic hail coverage includes:

  • Fire and Lightning
  • Wind
  • Transit
  • Vandalism
  • Stored grain coverage
  • Grain Bags (Temporary/Seasonal)

In addition the Hail Production Plan provides coverage that goes beyond the federal crop insurance guarantee.

A sample on how a Hail Production Plan works.

How much does a Hail Production Plan cost?

The cost of hail insurance depends greatly on the type and amount of coverages you specifically need.

The good news is that a hail production plan is the same cost for every  crop insurance company in Nebraska.

Therefore the only cost differences are in choosing the right plan. Here at Suhr & Lichty Insurance we would be glad to develop a comprehensive risk management plan.

If you need assistance with your crop insurance, we’re the only number you need. A good crop insurance insurance company does much more than give you a free hat or calendar!

When can I buy a Hail Production Plan?

Unlike all other forms of crop insurance, you can purchase a hail production plan at any time during the growing season. If you should want to purchase hail insurance right before a storm, you may want to rethink it, as there is a 2 hour window where you would not have any hail coverage. Additionally, you will still pay for the full-term of coverage no matter when you purchase it. So if your on the fence, you may want to speak with one of our agents on the right time to buy your hail insurance.

How to get started on your Hail Production Plan quote

To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Suhr & Lichty is here and ready to make the process as painless as possible. We look forward to meeting you!

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