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Total Weather Insurance

Traditional crop insurance uses a growers APH (Actual Production History) to determine how much of their historical yield they are willing to risk before insurance coverage steps in to stop any further losses.  If a grower purchases an 80% level MPCI policy, they are accepting a 20% yield loss if weather conditions (drought, excessive moisture, nighttime heat stress, etc.) don’t cooperate.  Total Weather Insurance (TWI) is designed specifically to insure a growers profit – the top 15-25% of yield that MPCI policies cannot insure.

The video below will give you a brief overview of how this coverage works.  If you’d like a more detailed explanation, please contact Kingsgate Insurance.