Which of the following best describes crop-hail insurance?

Crop-hail insurance specifically provides coverage against losses resulting from hail damage to crops. Hail can cause severe damage to growing plants, leading to significant financial loss for farmers and producers. By having crop-hail insurance, policyholders can receive compensation for the damage that occurs during the growing season due to hail events, thus mitigating the risks associated with unpredictable weather.

Other options do not accurately represent the purpose of crop-hail insurance. For example, yield guarantees pertain more to different types of crop insurance that secure farmers against reduced harvests due to various risks, not specifically hail damage. Loans for purchasing seeds are financial products unrelated to insurance and do not offer risk management for crop loss. Lastly, protection against pest damage refers to a different kind of insurance or risk management strategy that addresses other agricultural threats unrelated to hail. Thus, the most accurate description of crop-hail insurance is that it provides coverage against losses due to hail.