If a crop loss is covered under multiple Crop Hail Policies, how is the loss managed among insurers?

When a crop loss is covered under multiple Crop Hail Policies, the loss is managed on a pro rata basis. This means that each insurer involved will share in the payout according to the proportion of coverage they provided for the crop. This approach ensures that no single insurer bears the full burden of the loss and that the payout reflects the risks each insurer has taken on.

For instance, if one insurer has issued a policy covering 60% of the crop and another insurer has a policy covering the remaining 40%, in the event of a loss, the first insurer would be responsible for 60% of the compensation, while the second insurer would cover the remaining 40%. This equitable distribution prevents any possibility of one insurer being overburdened and ensures that the insured receives coverage in line with the terms of each policy.