Private Products | Field Grain Fire (FGF)

Field Grain Fire

What is Field Grain Fire and Its Benefits?

This program insures the standing grain crop against direct loss by fire. It also covers any loss of grain due to collision or upset of vehicles while the grain is being transported to the first place of storage. A Stored Grain Coverage endorsement is also available to cover the grain in storage against fire.

Coverage Situations

Field growing crops, Harvested crops to first place of storage, Optional: Harvested crop in storage, and transit coverage from original storage site to normal selling point.

Perils

Direct loss due to fire, lightning, and removal from premises endangered by these perils.

Coverages

• Dollars per acre (up to the actual value)
• Maximum limits per acre by crop (same as Crop-Hail limits)
• Covers additional perils of windstorm, collision, overturn, and collapse of bridges, docks, or culverts for transit to first place of storage within 100 miles (50 miles in ID, NV, OR, UT, and WA) $1000 limit per occurrence and excess over other valid coverages
• In ID, NV, OR, UT, and WA stubble coverage (excluding grass seed) is available up to 10% of the insurance per acre (not to exceed $10 per acre), and fire department services charges up to $250
• Coverage Begins 12:01 A.M. on the date immediately following the date the applicant and our Agent sign the application.
• Coverage Ends 12:01 A.M. on December 1 of the same crop year (one crop grown to harvest).

Premium

Entire premium earned upon inception date of the policy, Annual premium, Premium due with application, $50.00 minimum premium, and Rate is subject to filed rates by state.

Rates

• $.25/$100 of liability: ID, NM, NV, OK, OR, TX, UT, WA, and WY (exceptions -
  $.17/$100 of liability in OR counties of: Benton, Clackamas, Clatsop, Columbia, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill).
• $.20/$100 of liability: IA, IL, IN, MI, MN, MO, MT, ND, OH, SD, and WI
• $.17/$100 of liability: CO, KS, and NE
• $.25/$100 of liability with a firebreak and $.45/$100 of liability without a firebreak: AZ and CA

Additional Coverage Items

• Stored grain coverage is optional and covers the insured crops at the first place of storage against fire and lightning ($100 deductible per occurrence applies)
• The Stored Grain Coverage Endorsement also provides transit coverage from the first place of storage to the normal selling point, not to exceed 100 miles
• Coverage begins at the first place of storage and ends at 12:01 A.M. June 1 of the following year
• Refer to the optional endorsement for specific exclusions
• Rate is an additional $.04/$100 of liability

Loss Payment

Amount payable will be determined by multiplying the number of damaged acres by the amount of insurance per acre.

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