What type of weather event is primarily covered under crop hail insurance?

Crop hail insurance is specifically designed to provide financial protection to farmers against losses incurred due to hail events. Hail can cause significant damage to crops by breaking stems, stripping leaves, and bruising fruit, making it a unique risk in agricultural production. This specialized insurance is essential because hail damage can occur suddenly and can lead to substantial economic losses, often after farmers have invested significant resources into their crops.

Other weather events, while they can also be damaging, fall outside the scope covered by crop hail insurance. Drought can lead to water shortages affecting crop yields over time but is not a risk associated with hail. Flooding, which can result from heavy rain, impacts crop roots and soil but is not related to hail. Similarly, frost can damage crops by causing frostbite but is also not covered under hail insurance policies. Therefore, crop hail insurance focuses solely on the unique risks posed by hail.