This usually is hail insurance. These policies of various designs usually are structured around a known value for the crop defined in dollars and the claims are adjusted on the basis of the percentage of loss. Loss procedures have developed over many years of cooperative research between the insurance industry and university agronomy departments. Crop Risk does not usually recommend the use of hail insurance as the front line of defense against loss of capital assigned to production expenses. There are areas where hail insurance is very much a part of the annual risk management plan. However, due to the single peril protection it is not the basis for a comprehensive risk management plan. Single peril insurance should only be used for additional protection when the other weather risks are adequately controlled by other means and/or when the crops' value has exceeded the value of the underlying MPCI or CRC policies and hail is the remaining significant risk.