Why This Protection Matters
Hail and storm are among the most destructive risks for vineyards. A single event can drastically reduce harvests, threaten wine quality, and put a vineyard’s financial stability at risk. Our coverage provides vineyard owners with peace of mind and financial security.
This product is a traditional indemnity-based insurance policy, with compensation determined through on-site claims assessments.
Why Choose Our Solution
✔︎ Viticulture-focused: Insurance designed specifically for French vineyards.
✔︎ Flexible: You decide the insured capital per plot.
✔︎ Local Expertise: A dedicated network of claims experts across France ensures swift, fair assessments.
✔︎ Nationwide Reach: Coverage available across all French wine regions, without geographical restrictions.
Key Features
✔︎ Hail coverage: 10% deductible on each affected plot
✔︎ Storm coverage: 30% deductible applied at the farm level
✔︎ Subscription window: until April 2025
Ideal For
✔︎ Vineyard owners and cooperatives seeking secure coverage against extreme weather
✔︎ Growers looking to protect both production and cash flow
✔︎ Wine businesses aiming to stabilize operations in an uncertain climate
Protect Your Harvest today with Descartes Insurance
Descartes Insurance, a subsidiary of Descartes Underwriting, has been licensed as an insurer in France and certain European countries since 2022. We work with brokers and insurers in the following areas:
- Parametric climate insurance solutions
- Traditional insurance solutions covering Technical Risks, Cyber, CPRI, Climate, and Property Damage
- Structured risk transfer solutions
Note: The hail-storm offer is available only in France.
How it works
Provide details
Share your vineyard’s location, insurance history, and the capital you wish to cover.
Customize
Choose the insured amount per plot, based on your needs and production scale.
Assess
In case of a claim, our expert evaluates the damages quickly and reliably.
Compensate
Compensation is calculated according to insured capital and applicable deductibles.
Contact Us
Whether you're quoting a complex risk, looking to break into new markets, or just curious about parametric insurance, our team is here to help you win. Reach out and we will get back to you within 48 hours.
