Key Perils Covered

Early Drought

Drought

Daytime Heat Stress

 

 

 

Nighttime Heat Stress

Excess Moisture

Low Heat Units/ Freeze

Key Perils Covered

Early Drought

Drought

Daytime Heat Stress

 

 

Excess Moisture

Early Fall Freeze

Key Perils Covered

Drought

Daytime Heat Stress

Excess Moisture

 

Freeze

Total Weather Insurance

Total Weather Insurance (TWI) is the only full-season insurance program that enables you to protect your potential profits by insuring against adverse weather events that can cause yield shortfalls.

 

TWI’s unique Farm-Level Optimizer℠ provides precision coverage based on crop, field location, soil type, and relative maturity of seed planted.

 

TWI is designed to complement federal crop insurance by protecting profits at risk due to adverse weather. Unlike federal crop insurance, TWI policies have no claims process, no paperwork, and no waiting for payment.

 

 

Adaptive Coverage

TWI 2013 features a flexible coverage structure to ensure that crops in the field are protected from bad weather during the right times throughout the growing season:

 

• Growth Stage Tracker℠ - Growth Stage Tracker dynamically calculates coverage dates for key weather perils by tracking the weather-driven progression of the crop in-season to estimate when the crop is entering each growth stage. With Growth Stage Tracker, TWI coverage is adaptive to a broader range of extreme weather scenarios.

 

 Soil Moisture Tracker℠ - Soil Moisture Tracker provides daily field-level assessments of yield-impacting excess moisture or drought conditions. For TWI 2013, an initial soil moisture value is set right at the beginning of the growing season. Soil Moisture Tracker then calculates daily changes to the plant-available soil moisture based on the amount of water entering the soil through precipitation and the amount of water leaving the soil through evapotranspiration.

 

Precision Weather Measurement

TWI 2013 utilizes 2.5 x 2.5 mile grids for precipitation and temperature measurement to accurately capture the weather conditions on a grower’s farm:

 

 • Precision Rainfall Grids℠ - TWI 2013 tracks precipitation nationwide using Precision Rainfall Grids powered by radar-based National Weather Service data. By using the 2.5 x 2.5 mile grid that includes the grower’s TWI coverage location, Precision Rainfall Grids provide a more accurate precipitation measurement for the grower's location than is available with traditional land-based weather stations.

 

• Precision Temperature Grids℠ - TWI 2013 tracks temperature values based on 2.5 x 2.5 mile Precision Temperature Grids. Each Precision Temperature Grid utilizes data from up to 3 nearby, on-the-ground weather stations – adjusted for grid-specific geographic characteristics such as elevation or proximity to bodies of water – to calculate daily temperature conditions. Precision Temperature Grids are designed to provide more precise temperature values for a grower’s location than is possible with point-based temperature reporting.