MHI Since 1917

Municipal Hail Insurance (MHI) is a municipal organization operated by farmers for farmers that operates under the authority of the Municipal Hail Insurance Act.

MHI has established itself as a leading provider of spot loss hail insurance protection that has built its success over the past century by providing coverage that meets the evolving demands of producers while providing client first service with affordable rates, timely and accurate loss assessments and unparalleled customer service.

Community

We are a proud supporter of STARS Air Ambulance and many other initiatives which support the farming community. We continue to support the next generation of smart minds through our Municipal Hail Insurance Scholarships awarded to five recipients each year.

History of Municipal Hail Insurance

Municipal Hail came into being on June 1, 1917 following a developmental period that began in 1903 when the North West Territories established a system of government hail insurance. At the time, all other organizations were prohibited from providing hail insurance. In 1905, Saskatchewan became a province and continued this system. By 1908, extreme losses had been suffered and the Act was repealed.

Farmers were unhappy with this move and through the Saskatchewan Grain Growers’ Association, pressed for another public hail insurance plan to be established. A system of municipal hail insurance was proposed and was incorporated into an act in 1912. Following a period of revisions and adjustments due to an extremely heavy loss by hail in 1916, the new Municipal Hail Insurance Act came into force in 1917. This Act welded rural municipalities into an organization of their own, giving them powers to operate their own hail insurance business, known as the Saskatchewan Municipal Hail Insurance Association (SMHI).

At the Municipal Hail Annual General Meeting (AGM) in March, 1924, it was proposed that a limited company be organized that would be a wholly owned subsidiary of Municipal Hail. The subsidiary would write an extra or ‘additional’ amount of hail insurance for those farmers desiring more limit than is available through SMHI. This was put to a vote and was approved by the delegates attending the AGM and on March 25th, 1924, Additional Municipal Hail Insurance (AMHI) was brought into being. AMHI continues to provide ‘additional’ coverage to landowners and tenants.

In March, 2014, at the 97th Municipal Hail AGM, it was proposed that Municipal Hail be permitted to own a second limited company. This company would provide, to farmers, the convenience of purchasing hail insurance coverage direct. This was put to a vote and was approved by the delegates, bringing Prairie Municipal Hail Insurance (PMHI) into being.

Municipal Hail Insurance and its subsidiaries continue to operate today with the same principles on which they were founded – client first service with affordable rates, timely and accurate loss assessments and unparalleled customer service.