Crop insurance was fairly new in the Netherlands but there was no legal objection or limitation to particular crops. If a crop were insured, it was important that the whole area of the crop were insured. Speculative insurance seemed preferable to mutual insurance.Crop insurance covered all risks outside human influence, and lasted from 1 May until threshing was complete. Percentage liability of the insurer should be limited and damage should never be completely reimbursed. A threshing certificate was considered as a way of ascertaining yield. Crop value was calculated after threshing. This and the market price at that time gave a basis for calculating premiums and any damage.The chief differences of the system in the United States were: 1. The possibility of payment of premium and of damages in kind; 2. Insurance value was prearranged; 3. Insurance had to be arranged before the crop was sown; 4. Premium had to be paid immediately.Crop insurance made the rent-reduction rights under tenancy law more acceptable also for the landlord. Compulsory crop insurance should be introduced only in extreme cases.