Production Hail Plan Crop Insurance-Layered Hail Protection for North Dakota Farms
Supplemental Hail Coverage for When It Matters Most
A production hail plan is an endorsement you can add to your Multi-Peril Crop Insurance (MPCI) policy. Unlike stand-alone crop hail insurance, this tool kicks in when hail reduces your harvested yield below a certain threshold, adding targeted coverage for hail-related loss. It's designed to close gaps in your base MPCI, especially when ND hailstorms hit at critical stages.
Compare Your Options
Production Hail Plan / Hail Endorsement on MPCI
Tied directly to your MPCI coverage and yield records
Activates when hail lowers production below set thresholds
Works in tandem with your main policy for seamless protection
Stand-Alone Crop Hail Insurance
Purchased separately from MPCI
Pays based on acre-level hail damage, regardless of overall yield
Can layer with MPCI + production hail for high-value crops
ND-Specific Triggers for Extra Protection
Frequent or severe hail risk in your county
Sensitive crop stages (e.g., tasseling corn, flowering canola)
Higher input years where yield loss is a bigger financial hit
You want a seamless claim process-fewer policies, clear reporting
Gateway Insurance helps you review weather history, crop value, and input exposure to decide if a hail endorsement is right for your acres.
What to Expect After a Hail Event
Contact your agent (Gateway) as soon as you notice hail damage
Document with photos, maps, and field notes (we'll guide what's needed)
Agent coordinates adjuster inspection and paperwork with both MPCI and hail endorsement providers
Claims process is linked to your MPCI-clear reporting and proof make for faster resolution
One Plan, Clear Steps
Gateway reviews your current MPCI, production hail, and stand-alone hail coverage to ensure they work together. This way, you don't double-pay, you avoid blind spots, and your protection matches your risk.
Frequently Asked Questions
What is a production hail plan?
An MPCI endorsement that adds extra hail protection, triggered by yield reduction from hail events.
Is production hail different from crop hail insurance?
Yes. Production hail is tied to your MPCI yield records; stand-alone crop hail pays per acre based on visible hail damage.
How do I add hail protection to my MPCI?
Contact Gateway Insurance-we'll review your policy, explain options, and file the endorsement before season deadlines.
Do I still need crop hail insurance?
It depends-some farms layer both for maximum payout potential. Gateway can compare scenarios for your operation.
How do deductibles and coverage triggers differ?
Production hail triggers on yield loss; stand-alone hail triggers on visible field damage. Deductibles and payment structures are explained before you bind.
Add Hail Protection Without the Hassle-Let's Layer the Right Plan
Don't let hail catch your operation unprepared. Gateway Insurance reviews, layers, and explains your hail coverage so your risk is managed, not multiplied.