Crop Insurance / Inland Marine

Crop Insurance for Hydroponic & Indoor Agriculture

Unlike traditional field crop insurance, hydroponic crop coverage is typically structured as an inland marine policy — covering the value of growing and harvested crops as a form of movable property.

What's Covered

• Growing crop loss: The value of crops destroyed by a covered peril (equipment failure, fire, water system rupture)
• Harvested inventory: Crops already cut and in cold storage waiting for delivery
• Power failure losses: Many policies extend to crop loss from power outage
• Contamination: Some policies cover crop loss from nutrient contamination or pathogen outbreak

Valuation

Crop policies are typically written on a per-square-foot or per-pound-of-yield basis. Working with an adjuster familiar with hydroponic operations is critical — most general agricultural adjusters don't understand the production model.

What Traditional Crop Insurance Doesn't Cover

USDA crop insurance programs are designed for field crops (corn, soybeans, wheat). Hydroponic operations generally don't qualify for federal crop programs and need private market solutions.

Policy Limits

Typical hydroponic crop policies range from $50,000 to $500,000+ depending on operation size, crop type, and revenue. We work with specialty agricultural markets to get appropriate limits.