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APA Insurance

Crop Cover

Crop cover

It pays out when a season's crop is lost to drought, pests, hail, flood or fire. Some versions pay on an expert's assessment, others on measured rainfall.

Hear when this changes

What to watch out for

  • Six covers are described properly and none of them is priced.
  • Greenhouse claims are paid "less deductibles". The deductibles are never quantified.
  • Index covers pay on weather station or satellite readings, not on your actual loss — the reading can miss your farm's reality in both directions.
  • APA is supervised by the IRA, though this page does not say so.

The details that matter for this kind of plan

What it covers
Drought, pests and disease, hail, flood, fire, lightning, earthquake, explosion, frost, windstorm
How a claim is settled
An expert inspects the farm and measures the loss
Which crops
Any crop, on a large farm or a small one

What if you stop paying?

The cover runs for the season you paid for and then ends.

What if you need the money early?

There is nothing to take out. This is cover, not savings.

Who this suits

It could work for you if

A failed season would sink you, and you want the market leader's range of covers.

Think twice if

You want a price before you talk to anyone. None of the six covers has one published.

Talk to them

Compared with the others

There is 1 other plan of this kind on the board. See all 2 side by side — what each one leaves you with, and which of them will not say.

Where we got this