8900 INDIAN CREEK PARKWAY, SUITE 600 OVERLAND PARK, KANSAS 66210
October 11, 2013
BULLETIN NO. 13053
CROP-HAIL RATES AND FORMS NO. 6713 – WISCONSIN
TO MEMBERS AND CROP-HAIL MANAGERS:
CROP-HAIL FORMS FOR 2014 CROP YEAR
NCIS crop-hail form revisions for Wisconsin have been filed and approved for use beginning
with the 2014 crop year. The following forms remain in effect until further revised or
New or revised form
Wisconsin Amendatory Endorsement
A summary of the changes for new and/or revised policy forms for Wisconsin is shown on the
reverse side of this bulletin. A copy of the revised form and the listing (300 page) indicating all
forms for use in Wisconsin for the 2014 crop year are included with this bulletin. For reference,
the NCIS form filing number for Wisconsin is 2014NCISCH-WI2.
Current policy forms are available on the NCIS File Transfer Utility (FTU) and may be
downloaded by authorized company personnel. Policy forms may be ordered from NCIS by
calling (800-951-6247) or faxing a completed product order form to (913-685-3080), attention
Donna Bryan. Policy forms may also be ordered from the NCIS Forms Store at
Dave Hall, Vice President
Page 2 of 2
Summary of NCIS Crop-Hail Policy Form Changes for 2014 Crop Year
2014-NCIS 3WI Wisconsin Amendatory Endorsement replaces
: 2010-NCIS 3WI
The exception to the “Cancellation” provision in the NCIS 3 General Provisions was revised by
adding language that states no premium will be refunded if the insured cancels after coverage has
expired. This language was added as protection for an insurer who provides coverage
throughout the insurance period while the crop is growing and harvested, but then receives a
request from an insured to cancel coverage at such time that the schedule provided in the special
provisions would provide a percentage of the premium be returned.
2014-NCIS 3WI Page 1 of 2 ©2013 NCIS CROP-HAIL INSURANCE 2014– NCIS 3WI MANDATORY ENDORSEMENT
WISCONSIN AMENDATORY ENDORSEMENT
In compliance with the insurance laws of the State of Wisconsin, the following provisions are added to the policy forms listed below. If a similar provision is already contained in the policy, this endorsement will take precedence over such similar provision.
GENERAL PROVISIONS NCIS 3 are amended as follows:
CHANGES - Section 631.09 (1)
Knowledge by an agent of the Company of any fact which breaches a condition of the policy shall be knowledge of the Company if such fact is known to the agent at the time the policy is issued or an application made or thereafter becomes known to the agent in the course of his dealings as an agent with the named insured. Any fact which breaches a condition of the policy and is known to the agent shall not void the policy or defeat a recovery thereon in the event of loss.
REPRESENTATIONS, WARRANTIES AND CONDITIONS – Section 631.11
Provision No. 12 “Concealment or Fraud” of General Provisions NCIS 3 is amended to read as follows:
We do not provide coverage if you, or any party acting on your behalf, intentionally concealed or misrepresented any material fact or circumstance relating to this insurance, either before or after a loss, if the misrepresentation or concealment:
a. was material;
b. was made knowingly or with the intent to deceive; c. was relied and acted upon by the company; or d. contributed to the loss.
CANCELLATION - Section 631.36 (2)
Provision No. 13a of General Provisions NCIS 3 is amended to read as follows:
You may cancel this policy at any time by giving us written notice and returning the policy to us. If you cancel, we will refund premium you have paid for the current season, if any, according to the following table, except that no premium will be refunded if coverage has expired:
For policies canceled during period of:
Percent of Paid Premium to be returned:
January, February, March and April 75% May 1 through May 14 50% May 15 through May 31 25%
After May 31 0%
Provision No. 13b of General Provisions NCIS 3 is amended to read as follows:
We may cancel all or any part of the insurance provided by us at any time during the first 60 days during which the insurance is in force by notifying you in writing at least 10 days before the date and hour cancellation takes effect.
We may cancel all or any part of the insurance on any policy which has been in effect for more than 60 days, by notifying you in writing at least 10 days before the date and hour cancellation takes effect, for any of the following reasons:
2014-NCIS 3WI Page 2 of 2 ©2013 NCIS
1. nonpayment of premium; 2. material misrepresentation;
3. substantial change in the risk assumed, except to the extent that the insurer should reasonably have foreseen the change or contemplated the risk in writing the contract; or
4. substantial breaches of contractual duties, conditions or warranties.
Notices of cancellation may be delivered or mailed by first class mail to you at your mailing address shown in the declarations. Proof of mailing will be sufficient proof of notice. If we cancel all or any part of this policy, we will return the premium paid for the amount of insurance per acre on the portion canceled.
NOTICE OF LOSS - Section 631.81
The named insured shall furnish notice or proof of loss as soon as reasonably possible and within one year after the time required by the policy but failure to furnish such notice or proof within the time required by the policy shall not invalidate or reduce a claim unless the Company is prejudiced thereby and it was reasonably possible to meet the time limit. Notice or proof of loss may be furnished by personal delivery or by mailing in a pre-paid first class envelope addressed to the Company at its Home Office or to any branch office of the Company or to an agent of the Company.
SUBROGATION. (Recovery of a loss from a third party)
Provision No. 18 of General Provisions NCIS 3 is amended to read as follows:
Because you may be able to recover all or a part of your loss from someone other than us, you must do all you can to preserve any such rights. If we pay you for your loss then your right to recovery will belong to us. We will not require any subrogation proceeds until you have recovered all of your loss. If we recover more than we paid you plus our expenses, the excess will be paid to you.
2014 – NCIS 300 CROP-HAIL RULES AND FORMS
FOR USE DURING THE 2014 SEASON AND UNTIL REVISED OR WITHDRAWN
The following crop-hail rules and forms of National Crop Insurance Services®, 8900 Indian Creek
Parkway, Suite 600, Overland Park, Kansas 66210, are finalized for use for its members: Form
Edition No. Name
2013 ... 77 ... Rules for Crop-Hail Insurance 2010 ... 5 ... Crop-Hail Policy Jacket
2013 ... 3 ... Crop-Hail Policy - General Provisions
+ 2014 ... 3WI ... Wisconsin Amendatory Endorsement
2012 ... 634 ... Crop-Hail - Basic Form - Special Provisions
2005 ... 647 ... Crop-Hail Policy - Unharvested and Harvested Tobacco
Form - Special Provision
2012 ... 655F ... Crop-Hail Application and Declaration Page 2012 ... 662F ... Application for Renewal Certificate
2012 ... 677F ... Crop-Hail Application - Combination Basic or Unharvested
and Harvested Tobacco Form
2002 ... 445 ... Endorsement: Tomatoes (Canning or Processing),
Vegetable and Vine Crops
2012 ... 457 ... Endorsement: Optional Fire and Lightning Coverage on Crops Planted in Small Grain Crop, Stubble or Residue 2002 ... 458 ... Endorsement: Tobacco
2002 ... 511 ... Endorsement: Green Pack or Fresh Market Tomatoes
(Including Staked Tomatoes)
2009 ... 577 ... Endorsement: Tree Fruits, Grapes, Bush Fruits and Berries - Excess Over 15% Loss
2012 (Rev. 7-12) .... 757 ... Assignment of Indemnity
COMPANION HAIL PLAN
2013 ... 77 ... Pages 9-11 Rules for Companion Hail Plan 2012 ... 652F ... Application for Companion Hail Plan