Coverage

Clear triggers for the risks that matter

Each peril is tied to something that can be measured, so you always know when a payout starts and when it is complete.

Perils

Five risks, each with a measurable trigger

Your insurer sets the exact thresholds for each product. They are shown in plain words before you buy.

Weather

Rainfall deficit against normal

Pays from a set percentage below normal rainfall over a rolling window, reaching full payout at a deeper deficit.

Weather

Consecutive hot days

Counts days in a row at or above a temperature threshold, with payout growing as the run lengthens.

Weather

Consecutive frost days

Counts days in a row at or below freezing, protecting winter crops from late cold.

Weather and satellite

Heaviest spell, standing water

Triggers on a heavy rainfall spell, and on satellite-detected standing water that lasts for days.

Satellite

Satellite crop index below threshold

Pays when your crop's vegetation index falls below the threshold set for it, whatever the cause.

Payout logic

Nothing is paid until the measure crosses the trigger line in your policy.

Past the trigger, the payout rises in proportion as conditions get worse.

At the exit line the full sum insured is payable.

Crops

Every crop has its own growth stages and expected vegetation range, so a normal young field is never mistaken for a stressed one.