Boman & Associates Insurance Agency

PRIVATE NAMED PERIL INSURANCE PRODUCTS

Citrus Freeze
Covers damages due to freezing of navel and Valencia oranges, lemons, and grapefruit. (Available only in California.)

Citrus Packer Coverage
This program protects the citrus packer against unavoidable loss of production resulting from freeze to the citrus fruit supplied to them by the growers. The coverage levels available are 40%, 50% and 60%. (Available only in California.)

Business Interruption
This program provides protection against reduced agricultural production due to localized disasters occurring in the business' trade area that are of limited magnitude such that marketing strategies using futures and options are not effective in offsetting the reduction in the business' production volume. Protection is provided against loss of production in the business' trade area on an area yield basis. At the time of application, the business provides estimates of the percent of its business from each county and each crop in its trade area and selects the dollar amount of coverage and the deductibles desired.

Raisin Reconditioning
Covers the cost of reconditioning raisins damaged by rain while drying on trays in the field. Optional coverage for slipping and turning costs is available.

Hail Insurance
This program provides the grower protection against any yield reduction caused by hail. It is designed to work in conjunction with a preexisting MPCI policy.

Field Grain Fire
This program insures the standing grain crop against direct loss by fire. It also covers any loss of grain due to collision or upset of vehicles while the grain is being transported to the first place of storage.

Event Insurance
Rain insurance is a policy written for a short term of only a few hours for a specific event susceptible to "rain-out" such as a rodeo, boxing match, or a rock concert. This policy is written to indemnify the insured (your organization) for loss of expenses from the event. This program insures against direct loss to events caused by rainfall. It does not cover any loss to property or from any other peril even though the loss may have occurred in conjunction with the rainfall.