There are 2 types of fruit insurance that offer basic financial protection against hail, wind, frost, freeze and excess moisture. One fruit insurance program covers the trees while one fruit insurance program covers the fruits. These risk management coverages are written on an Excess & Surplus Lines policy. By using E & S, your policy can be tailored to meet your exact risks. These coverages utilize the National Weather Stations (NWS) as the reporting points for all data. There is no need for expensive equipment in your fields which must be moved around or quite possibly could fail, leaving a question of crop coverage or loss.