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Crop Insurance

Ready, Set, Grow

To help manage your risks and keep your yield protected, we offer Federal Crop Insurance, Crop Hail Insurance and Private Product Crop Insurance. All our crop insurance products are provided through ProAg.

When you work with us, you receive the personalized attention and care we’re known for. Each farm has different goals, growth and needs; that's why we work with you, one-on-one, to find the most suitable products for your operation.

Our licensed Crop Insurance Manager, Lesa Moose, is ready to assist you!

Lesa Moose
Lesa Moose Crop Insurance Manager Harpers Ferry, IA Email Lesa 563-586-8036
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About ProAg

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Committed to Helping you Grow

Benefits of Choosing ProAg

  • Fast and accurate claims service
  • Financial strength
  • Superior customer service
  • Innovative technology
  • Knowledgeable people
  • Specialty crop expertise

About ProAg

ProAg is on a singular mission to meet the risk management needs of the American farmer and rancher. As a strong and progressive company, we provide support and guidance to the agents who serve those producers, helping them expand and strengthen their businesses. Because many of us are farmers and ranchers ourselves, we have a firsthand understanding of production agriculture and the risks inherent in the profession. No organization is more knowledgeable about agricultural risk management than ProAg.

As one of the first companies in the crop insurance industry, ProAg is built on a strong foundation of experience and backed by the support and resources of a leading global parent company, Tokio Marine HCC. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $33 billion (market cap as of 3/31/2021).

Crop Hail Insurance

Crop Hail Insurance

The devastation left in the wake of a hail storm can be partial or total. Regardless of the amount of damage, it’s always expensive and all of the good farming practices in the world won’t prevent it. Crop Hail coverage gives you acre-by-acre protection up to the actual cash value of your crop, thereby protecting your investment and your future.

Crop Hail Flexibility

Your ProAg agent works with you to design crop hail coverage to fit your risk management strategy, and flexible deductibles allow you to tailor the cost of your crop hail policy to meet your budget. Your crop hail policy may also provide coverage for perils other than hail. In many areas, basic hail coverage includes:

  • Fire and lightning
  • Transit Reimbursement of replanting costs
  • Carry-over coverage
  • Vandalism Stored grain coverage
  • Crop Hail Decision Making

Hail is the one catastrophe that is most likely to totally destroy a part of your crop and leave the rest undamaged. The acres and loss of crop yield caused by hail damage may well be less than the deductible of your federal crop insurance policy, or it may not lower your yield enough for a revenue insurance policy to protect your profits. Crop hail insurance can fill that gap. While federal crop policies protect you against losses severe enough to significantly drop the yield per insured unit, crop hail insurance gives you acre-by-acre protection that can be up to the actual cash value of the crop. Crop hail is especially important to those with area risk policies, like ARPI, which leaves individuals exposed to spot losses due to hail.

You can also buy additional crop hail coverage during the growing season (prior to damage) to protect added profit potential from bumper yields or higher-than-normal crop values. Even if your frequency of hail damage is low, remember that crop hail coverage is rated for your area. It is an inexpensive way to protect against hail damage.

Optional Annual Renewal of Crop Hail Endorsement (ARCH)

This optional endorsement modifies the annual crop hail policy to an automatic (continuous) renewing policy at no additional charge. Request for this coverage can be written at the same time as the MPCI coverage with only one application form to sign. When the MPCI acreage report is processed, the information is imported into the associated ARCH policy for ease of use.

Plan Availability

ProAg offers a range of plans, from Basic Hail to a variety of Companion Plans that are specific to each state. Not all plans are available in all states; however, ProAg has tailored the plans to meet the needs of insureds in each state and region. By working with your trusted ProAg Agent, you can determine which available plan will best meet your risk management needs for the current insurance year.

When Does Your Policy Bind?

Your policy will bind based upon the provisions filed and established for your state. Some state policies will bind two hours from receipt in the office, while other state policies will bind at 12:01 a.m. on the day following the signature date. As always, please contact your ProAg agent to verify the binding terms for your state.

Reasons to Partner with ProAg

Strong Foundation

ProAg is proud of its heritage as an agricultural risk management company and is committed to providing our agents and policyholders with excellent service and support for federal crop, crop hail and named peril crop insurance products. ProAg employees proudly cite their roots as one of the original companies in the crop insurance industry. What started as a driven young man selling crop insurance from horseback in the 1920s has evolved into a visionary business dedicated to outstanding quality and service in agriculture-related risk management. We are always looking for opportunities to create lasting partnerships with our customers. If you are looking for a team of committed, knowledgeable professionals to guide you through the crop insurance process, contact us today. ProAg is committed to helping you grow.

Fast and Accurate Claims Service

ProAg delivers quality service at the field level with above-average turnaround time and minimal corrected claims. Agents and insureds can count on us to put boots in the farmer’s field promptly and to settle claims with industry-leading speed and accuracy. ProAg participates in the Simplified Claims Process on qualified claims.

Financial Strength

ProAg is backed by the support and resources of a leading global parent company. Headquartered in Houston, Texas, Tokio Marine HCC is a leading specialty insurance group comprised of highly entrepreneurial teams with the expertise to underwrite more than 100 classes of specialty insurance in more than 180 countries. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $33 billion (market cap as of 3/31/2021). Tokio Marine HCC has earned financial strength ratings of “AA- (Very Strong)” from Standard & Poor’s Financial Services, LLC, “A++ (Superior)” from A.M. Best Company, Inc., and “AA- (Very Strong)” from Fitch Ratings.

Customer Focused

When we say the customer comes first, we mean it. Listening to our customers is a top priority and drives our efforts to constantly raise our level of service. We strive to make it easy and painless for our customers to do business with us. We deliver risk management solutions that help protect farmers and ranchers as they pursue their passion. At the same time, we provide strong support for the agents who serve them.

Innovative Technology

We believe agricultural risk management will continue to evolve as global events impact the American farmer and rancher, and we intend to be at the forefront of those changes through new technologies, services and insurance products.

Specialty Crop Expertise

Our firsthand understanding of agriculture has enabled ProAg to become the leader in delivering specialty products and expert, responsive services that meet the needs of today’s diverse operations.

Table of Investments Disclaimers
Crop insurance products provided are NOT a deposit or obligation of Peoples State Bank or its affiliates NOT FDIC-insured NOT insured by an federal government agency NOT guaranteed by the institution or its affiliates and may go down in value
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