Crop Insurance Today Third Quarter 2019 - Cover4

PRSRT. STD.
U.S. POSTAGE

PAID

Permit No. 3
AUBURN, KS

8900 Indian Creek Parkway, Suite 600
Overland Park, Kansas 66210

YOUR TRUSTED SOURCE FOR CROP INSURANCE

RAIN AND HAIL

Crop insurance is our core business. Our history, focus, and
commitment to the business for more than 90 years provides the
reliability, expertise, and trust you can depend on.
Rain and Hail has the financial strength and resources you can
depend on to best service your customers' policies.
Our experience, focus, and innovation keeps our support and tools
evolving so we can provide the service you and your customers can
rely on.

Call and partner with us today.

800.776.4046 | www.RainHail.com
ACE USA Companies - A.M. Best Rating A++ (Superior)
This institution is an equal opportunity provider and employer.

2019
Rain and Hail
Calendar
2018 Photo Contest Winner:

Harvest Time / photo by: Dennis Behler - Culdesac, ID

Atlantic Coast Division
3120 Highwoods Boulevard, Suite 202
Raleigh, NC 27604

YOUR TRUSTED SOURCE FOR CROP INSURANCE

RAIN AND HAIL

Thank You for 100
Years
of Rain and Hail
Thank
You
forSince
100
Serving America's
Farmers
1919
Years of Rain and Hail
Call and partner with us today.

800.776.4046 | www.RainHail.com

ACE USA Companies - A.M. Best Rating A++ (Superior)

This institution is an equal opportunity provider and employer.

100 Years

2019
Rain and Hail
Calendar

Rain and Hail

2018 Photo Contest Winner:

Harvest Time / photo by: Dennis Behler - Culdesac, ID

Atlantic Coast Division
3120 Highwoods Boulevard, Suite 202
Raleigh, NC 27604

Serving Your Risk Management Needs

The Rain and Hail Difference

The Rain and Hail Difference is what sets us apart from other agricultural
insurance providers. Our commitment to always provide the best service
possible to the American farmer and rural America, and our belief in
a strong safety net for America's agricultural communities, make us a
leader in the industry.

Products

* Actual Production History

* Chubb Agribusiness

* Margin Protection

* Stacked Income Protection

* Area Revenue Protection

* Companion Hail Insurance

* Margin Protection with Harvest Price Option

* Area Revenue Protection with Harvest Price
Exclusion

* Crop-Hail Insurance

* Revenue Protection

* Whole-Farm Revenue Protection

* Revenue Protection with Harvest Price
Exclusion

* Yield Protection

* Area Yield Protection

* Livestock Gross Margin

* Catastrophic Coverage

* Livestock Risk Protection

* Speciﬁed/Named Perils

Using your smartphone, scan the QR code
(left) to access a full list and descriptions of
our coverages.

Improve Profits in Good Years

Additional WFRP Information

Knowing there is guaranteed revenue protection provides the
conﬁdence to be a more aggressive marketer.

Coverage Level

Stabilize Long-Term Business Plans
Improve Financial Management

100 Years

N/A

0.800 0.800 0.800 0.800 0.800 0.800 0.710

0.50

0.55

0.60

0.65

0.70

0.560

0.85
N/A

Many lenders will agree to use crop insurance as collateral for
operating loans, which enables farmers to keep other assets,
such as machinery and real estate, free and clear.

Response in a loss situation brings out the true character of the
company. Time and time again, Rain and Hail is there for our customers
when they need us by providing:
* Tools to quickly and easily submit claims
* Prompt and accurate claims adjustment
* Expedited claim payments

Product
Reference Guide
MPCI

Full Range of Products and Services

Rain and Hail offers the agricultural insurance products you need to
properly protect your operation, including:
* Multiple Peril
* Crop-Hail
* Specialty Crop Lines
For more information, visit www.RainHail.com or contact your local Rain
and Hail Insurance Professional.

About Us

Chubb is the world's largest publicly traded property and casualty
insurer. With operations in 54 countries, Chubb provides commercial
and personal property and casualty insurance, personal accident and
supplemental health insurance, reinsurance and life insurance to a
diverse group of clients. The company is distinguished by its extensive
product and service offerings, broad distribution capabilities, exceptional
ﬁnancial strength, underwriting excellence, superior claims handling
expertise and local operations globally.
Chubb's core operating insurance companies maintain ﬁnancial strength
ratings of AA from Standard & Poor's and A++ from A.M. Best.

Corporate Headquarters
9200 Northpark Drive ▪ Johnston, Iowa 50131
www.RainHail.com

Manage Increased Risk Exposures

With farm programs shrinking, production risk can be reduced
with crop insurance protection.

Avoid Family Financial Interruptions
Good risk management can help insulate a family's lifestyle and
prevent it from changing due to crop losses.

Strengthen the Local Economy

When growers' income is stabilized in a bad crop year, the
economy of the rural community is strengthened.

Gain Peace of Mind

Serving Your Risk Management Needs

The peace of mind gained from having adequate insurance
coverage and trusted service is truly priceless.

from Rain and Hail.

20XX Stand Alone Policies
Crop Insurance Training Institute (CITI) Manual

Since 1919, we've been serving America's
farmers. Thank you to each of our loyal
agents, policyholders and independent
adjusters. You are a valuable part of
our ability to deliver risk management
products through a trusted network of
people who understand agriculture.

To learn more, visit www.RainHail.com or
call 1-800-776-4045.

TRADITION + TECHNOLOGY

Serving America's Farmers Since 1919

Division Office
Locations and Territories
Atlantic Coast Division
CT, DE, ME, MD, MA, NH, NJ,

NY, NC, PA, RI, SC, VT, VA, WV
3120 Highwoods Blvd., Suite 202
Raleigh, NC 27604

California Division

AZ, CA
499 West Shaw Avenue, Suite 101
Fresno, CA 93704

Central Division

For more than 90 years, we've committed to always provide the
best service possible to the American farmer and rural America.
We are a reflection of the agent and farmer - all cut from the
same cloth. We know what it requires to live the farming life;
relentless determination, endless patience, and self-reliance.
We are experienced, with localized knowledge and support, and
equipped to provide efficient and fair service, when needed and
where needed. Our belief in a strong safety net for America's
agricultural communities and our high-level service makes us a
leader in the industry.

N/A

0.800 0.800 0.800 0.800 0.800 0.800

Avoid the need for an emergency line of credit in bad years.

* Actual Production History

Our Story

0.80

0.670 0.640 0.640 0.590 0.590 0.550

Commodity
Count - 2

Minimize Liens on Assets

Thank you

0.75

Commodity
Count - 1

Commodity
Count - 3 or
more

Provide a Cash Flow Safety Net

Rain and Hail
Our Story

Subsidy
Factor

A tailored insurance protection program that meets the individual
risk management needs can become an integral part of a farm's
ﬁnancial management program.

TRADITION + TECHNOLOGY

Unmatched Claims Service

Additional Resources and
Tools

Protection Strategies

Numerous beneﬁts result from a well-balanced insurance
portfolio, including the opportunity to implement a variety of
marketing strategies. Growers can maximize their proﬁts in good
years and beneﬁt from a predetermined minimum cash flow in
bad years by using a combination of insurance products.

Keeping long-term ﬁnancial plans on track increases credibility
and creditworthiness at the bank.

* Supplemental Coverage Option

Crop Insurance Training Institute

ID, MT, NV, OR, UT, WA, WY
North 200 Mullan Road, Suite 111
Spokane, WA 99206

Great Falls
Service Center
300 River Drive North, Suite 2
Great Falls, MT 59401

Rain and Hail
Agricultural
Insurance
For all of your agricultural
risk management needs

Atlantic Coast Division

Northwest Division
Southwest
Division

3120KS,
Highwoods
CO,
NE Blvd., Suite 202
Raleigh, NC 27604
14517 F Street, Suite 213
Omaha, NE 68137

6900 W Interstate 40, Suite 310
Amarillo, TX 79106

California Division

AZ, CA
499 West Shaw Avenue, Suite 101
Midwest
Division
Fresno, CA 93704

IA, MO
Central Division
9200 Northpark Drive, Suite 200
IL, IN, MI, OH
Johnston, IA 50131

7800 North Sommer Street, Suite 504
Peoria, IL 61615

Northern
Division
Great Plains
Division
CO,
MN, KS,
ND, NE
SD, WI
14517 F Street, Suite 213
Two
Carlson
Parkway, Suite 255
Omaha,
NE 68137
Plymouth, MN 55447

Midwest Division

IA, MO
9200 Northpark Drive, Suite 200
Johnston, IA 50131

Northern Division

ID, MT, NV, OR, UT, WA, WY
NM,
NorthOK,
200TX
Mullan Road, Suite 111
Spokane, WA 99206

Great Falls
Service Center

300 River Drive North, Suite 2
Canadian
Division
Great Falls, MT 59401

Alberta, Manitoba, Saskatchewan
4303 Albert Street,
Suite 200
Southern
Division
Regina,
Saskatchewan
AL,
AR, FL,
GA, KY, LA,S4S
MS,3R6
TN
1951 Rosebud Road
Grayson, GA 30017

Chubb Agribusiness
Southwest Division

9200 Northpark Drive, Suite 250
NM, OK, TX
Johnston, IA 50131
6900 W Interstate 40, Suite 310
Amarillo,
TX 79106
72
N. Franklin
Street, P.O. Box P
Wilkes-Barre, PA 18773
Canadian
11171 Sun CenterDivision
Drive
Alberta,
Saskatchewan
Rancho Manitoba,
Cordova, CA
95670
4303 Albert Street, Suite 200
One
American
Square, Suite
2600
Regina,
Saskatchewan
S4S 3R6
Indianapolis, IN 46282
Chubb Agribusiness
9200 Northpark Drive, Suite 250

Johnston, IA 50131
Corporate Headquarters
72 N. Franklin Street, P.O. Box P
Wilkes-Barre, PA 18773
Iowa 50131
9200 Northpark Drive ▪ Johnston,
11171 Sun Center Drive
Rancho Cordova, CA 95670
www.RainHail.com
One American Square, Suite 2600

MN, ND, SD, WI
Two Carlson Parkway, Suite 255
Plymouth, MN 55447

www.RainHail.com

Rain and Hail is an equal opportunity provider.

The Rain and Hail Difference

* Margin Protection

* Stacked Income Protection

* Margin Protection with Harvest Price Option

* Crop-Hail Insurance

* Revenue Protection

* Revenue Protection with Harvest Price
Exclusion

* Speciﬁed/Named Perils

Unmatched Claims Service

* Yield Protection

Additional Resources and
Tools

Using your smartphone, scan the QR code
(left) to access a full list and descriptions of
our coverages.

Improve Profits in Good Years

Additional WFRP Information

Knowing there is guaranteed revenue protection provides the
conﬁdence to be a more aggressive marketer.

Coverage Level

Stabilize Long-Term Business Plans
Keeping long-term ﬁnancial plans on track increases credibility
and creditworthiness at the bank.

* Supplemental Coverage Option

* Whole-Farm Revenue Protection

* Livestock Gross Margin

* Livestock Risk Protection

Protection Strategies

Improve Financial Management

The Rain and Hail Difference is what sets us apart from other agricultural
insurance providers. Our commitment to always provide the best service
MKTG_1000_02_05_19
possible to the American farmer and rural America, and our
belief in
a strong safety net for America's agricultural communities, make us a
leader in the industry.

Products

* Companion Hail Insurance

* Area Revenue Protection with Harvest Price
Exclusion

Subsidy
Factor

A tailored insurance protection program that meets the individual
risk management needs can become an integral part of a farm's
ﬁnancial management program.

0.50

0.55

0.60

0.65

0.70

0.75

0.80

0.85

Commodity
Count - 1

0.670

0.640

0.590

0.550

Commodity
Count - 2

0.800

N/A

Commodity
Count - 3 or
more

0.800

0.710

0.560

N/A

Provide a Cash Flow Safety Net

Avoid the need for an emergency line of credit in bad years.

Minimize Liens on Assets

Many lenders will agree to use crop insurance as collateral for
operating loans, which enables farmers to keep other assets,
such as machinery and real estate, free and clear.

N/A

Product
Reference Guide
MPCI

Full Range of Products and Services

About Us

Corporate Headquarters
9200 Northpark Drive ▪ Johnston, Iowa 50131
www.RainHail.com

Manage Increased Risk Exposures

With farm programs shrinking, production risk can be reduced
with crop insurance protection.

Avoid Family Financial Interruptions
Good risk management can help insulate a family's lifestyle and
prevent it from changing due to crop losses.

Strengthen the Local Economy

When growers' income is stabilized in a bad crop year, the
economy of the rural community is strengthened.

Gain Peace of Mind

The peace of mind gained from having adequate insurance
coverage and trusted service is truly priceless.
MKTG_1000_02_05_19

Thank you

from Rain and Hail.

20XX Stand Alone Policies
Crop Insurance Training Institute (CITI) Manual

Southern Division

AL, AR, FL, GA, KY, LA, MS, TN
IL, IN, MI, OH
1951 Rosebud Road
Division
7800 North SommerOffice
Street, Suite 504
Grayson, GA 30017
Peoria, IL 61615
Locations
and Territories
CT, DE, ME,
MD, MA, Division
NH, NJ,
Great
Plains
NY, NC, PA,
RI, SC, VT, VA, WV

Rain and Hail
Agricultural Insurance
The ACE Group of Companies

Northwest Division

* Chubb Agribusiness

* Area Revenue Protection

* Area Yield Protection

* Catastrophic Coverage

Crop Insurance Training Institute

The ACE Group of Companies

Rain and Hail
Agricultural
Insurance
For all of your agricultural
risk management needs

About Rain and Hail

Rain and Hail
Agricultural Insurance
www.RainHail.com

Rain and Hail is an equal opportunity provider.

Education and Training

Rain and Hail provides agents with continuous training on policies and procedures related to our insurance products. Agent and Policyholder
education courses are held regularly throughout our service areas. At each training meeting, agents are provided with a region speciﬁc agent
training manual which includes changes from previous seasons, as well as all policies and procedures. Agents can also access a variety of
previous and current training manuals on Agent Services.
Rain and Hail also conducts local producer education courses to assist agencies in increasing product knowledge, risk management program
selection and producer awareness.

Rain and Hail

An agricultural insurance program created speciﬁcally for you

Marketing Materials

Personalized
ad slicks andand
full color postcards
About
Rain
Hail

Wide and
selection
of product brochures designed to give an accurate overview of each Rain and Hail product
Education
Training

Rain and Hail provides agents with continuous training on policies and procedures related to our insurance products. Agent and Policyholder
national
advertising
in a variety
of printareas.
publications
well asmeeting,
on the radio,
television
and Internet
educationRegional
courses and
are held
regularly
throughout
our service
At eachastraining
agents
are provided
with a region speciﬁc agent
training manual which includes changes from previous seasons, as well as all policies and procedures. Agents can also access a variety of
Local co-op advertising packages administered by the regional division ofﬁces
previous and current training manuals on Agent Services.
Rain and Hail also conducts local producer education courses to assist agencies in increasing product knowledge, risk management program
selection and producer awareness.

For more information, or to contact your local Rain and Hail representative,
call 1-800-776-4045 or visit us on the web at www.RainHail.com.

Rain and Hail

An agricultural insurance program created speciﬁcally for you

Marketing Materials

Rain and Hail provides an extensive selection of marketing resources to aid your marketing efforts. From product brochures to ad slicks and
postcards to policy briefs, we make it our goal to meet the demands of our diverse group of agents. The following resources are provided
complimentary to all Rain and Hail agents:
Rain and Hail exhibit booths at national farm and trade shows
Personalized ad slicks and full color postcards
Wide selection of product brochures designed to give an accurate overview of each Rain and Hail product
Regional and national advertising in a variety of print publications as well as on the radio, television and Internet
Local co-op advertising packages administered by the regional division ofﬁces

For more information, or to contact your local Rain and Hail representative,
call 1-800-776-4045 or visit us on the web at www.RainHail.com.

Indianapolis, IN 46282

Corporate Headquarters
9200 Northpark Drive ▪ Johnston, Iowa 50131
www.RainHail.com

MKTG_1408_10_04_17
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MKTG_1408_10_04_17

This
This institution
institution is
is an
an equal
equal opportunity
opportunity provider
provider and
and employer.
employer.

Mktg #048

www.RainHail.com

Like
Like us
us on
on Facebook,
Facebook, and
and visit
visit us
us at
at www.RainHail.com.
www.RainHail.com.
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Mktg #048

www.RainHail.com

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Crop Insurance Today Third Quarter 2019

Table of Contents for the Digital Edition of Crop Insurance Today Third Quarter 2019