Farm and Crop Insurance Policies

Multi-Peril Insurance

Revenue Protection (RP) offers comprehensive protection through a dollar guarantee. RP also provides prevented planting and replant protection. A projected price is used to calculate the premium, replant payments and prevent planting payments. RP covers weather-related causes of loss, certain other unavoidable perils and price fluctuations. The RP dollar guarantee for the insurance unit is the approved yield times the level of coverage, the insured acreage, the percent of share and the projected price. Coverage levels are available from 50%-85%, in 5% increments (80% and 85% coverage levels are not available in all areas). There is increased protection if the harvest price is higher than the projected price. Revenue Protection with Harvest Price Exclusion does not provide increased protection if the harvest price is higher than the projected price.

Yield Protection (YP) protects against a production loss for crops for which revenue protection is available but was not selected. YP also provides prevented planting and replant protection. Coverage is expressed as a production guarantee (approved yield times the coverage level). CAT coverage is available at 50% of the approved yield and 55% of the projected price (50/55). The YP yield guarantee is the approved yield multiplied by the selected level of coverage and the insured acreage. Coverage levels are available from 50% to 75%, in 5% increments (80% and 85% coverage levels are available in limited areas) of the approved yield up to 100% of the projected price, which is determined by the Commodity Exchange Price Provisions.

Actual Production History (APH) provides comprehensive protection against weather-related causes of loss and certain other unavoidable perils. Check Crop Provisions for specific causes of loss. Coverage levels are available from 50%-85%, in 5% increments, (80% and 85% coverage levels are not available in all areas) of the APH up to 100% of the price election (determined by RMA). CAT coverage is available at 50% of the APH and 55% of the price election.

Margin Protection (MP) provides you coverage against an unexpected decrease in your operating margin (revenue less input costs). MP is area-based, using county-level estimates of average revenue and input costs to establish the amount of coverage and indemnity payments. To the extent that the average margin for a county is lower than expected, due to a decrease in revenue and/or an increase in input costs, MP will cover a portion of that shortfall. MP can be purchased by itself or in conjunction with a YP or RP policy. Coverage is available from 70%-95% of the expected margin.

Crop Hail

Crop-Hail coverage provides protection against physical damage from hail and/or fire. Other coverages provided include fire department service charges, transit coverage to the first place of storage, catastrophe loss award (most coverages) and replanting coverage (most crops). Options exist in some areas for other perils, such as wind and theft.

Crop-Hail can be used along with MPCI or other comprehensive coverages to offset the MPCI deductible and provide protection up to the actual cash value of the crop. Coverage is provided on an acre-by-acre basis, so damage that occurs on only part of a farm may be eligible for payment when the rest of the unit remains unaffected.

If a grower has coverage and bumper crop yields or higher prices become apparent, coverage can be increased during the growing season to cover the value of the crop.



The Companion Plan is designed to cover that portion of the crop not covered by a policy reinsured or approved by FCIC. This plan provides the grower protection against any percentage of loss caused by hail and/or fire. It is designed to work in conjunction with a policy reinsured or approved by FCIC and contains increasing payment factors, which match up with the various coverage levels as follows:

Production Plan Hail

The Production Plan Hail Policy is designed to cover the portion of the crop not covered by the underlying Multi-Peril policy. This endorsement provides protection against loss caused by hail and/or fire on a unit basis. Green Snap and Wind endorsements are available is some areas. Coverage is determined by using your actual production history multiplied by a modification factor.

Pasture Rangeland Forage (PRF)

Insures against widespread loss of production of the insured crop in a designated area called a grid. Coverage is based on the experience of a grid rather than individual farms. Coverage under the Pasture, Rangeland, Forage (PRF) program is available for two crop types: Grazing and Haying. Losses are paid when the grid’s accumulated index, known as the final grid index, falls below the insured’s trigger grid index. Lack of precipitation is the only cause of loss covered by Rainfall Index (RI). CAT is not available. Coverage levels are available from 70%-90%, in 5% increments.

Annual Forage

Annual Forage uses NOAA’s gridded interpolated precipitation data to determine losses. Each grid covers an area equal to .25 degrees in longitude by .25 degrees in latitude (approximately 12 miles x 12 miles). Coverage is for a single peril: lack of precipitation. The insured may insure at one coverage level from 70-90% for the county.

Whole Farm Revenue Protection

Whole-Farm Revenue Protection (WFRP) provides a risk management safety net for all commodities on the farm under one insurance policy. This insurance plan is tailored for any farm with up to $8.5 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, specialty or direct markets. WFRP can be purchased in conjunction with STAX. WFRP provides protection against the loss of insured revenue due to an unavoidable natural cause of loss, that occurs during the insurance period and will also provide carryover loss coverage if you are insured the following year. Coverage levels range from 50%-85%.

Farm And Ranch Insurance

Some may believe farming is part of a simpler life, but farming today is more complex than ever. If you are uncertain about what your policy currently covers, we can help. We are farm insurance experts who will help make sure your farm operations stay insured. We have custom-fit policies for whatever Mother Nature may throw at you, such as:

• Traditional production farms and ranches
• Extra protection for expanding farms and ranches
• Smaller farms
• Customized policies

What’s covered?

Your base policy typically protects farm homes, buildings, machinery, equipment, and livestock. In short, all the coverage the average farm may require. Then, we'll tailor fit your policies to meet your exact needs. 

Coverage for your farm or ranch may also include:

• Disruption of farming operations
• Identity fraud expense coverage
• Earthquake coverage
• Farm machinery and equipment replacement
• Peak season coverage endorsement
• Sewer/sump pump backup
• Temperature sensitive endorsement 
• Household property protection 

Your operation is more than a business, it’s a legacy and your livelihood. Let us help you protect what you care about most.

Standard policies may include:

• Rental reimbursement 
• Equipment breakdown 
• GPS equipment 
• Cab glass repair or replacement
• Foreign object damage to combines
• Damage during towing and hitching
• Farm machinery contact with roadbed or ground
• Borrowed farm machinery 
• Fire extinguisher recharge

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Irrigation Equipment

Your irrigation equipment investment goes beyond the machine and so should your insurance. Today’s irrigation systems are increasingly complex and your business relies on them day after day. We recognize this and offer tailored insurance solutions and services you need to protect your equipment against damages caused by weather, mechanical breakdown, and much more.

Livestock Mortality

Specialized livestock, equine and animal mortality insurance to livestock owners and businesses. Our customized products and services are designed for commercial livestock and high-value animals while located on premises or in transit.

Livestock Revenue Protection (LRP)

Livestock Risk Protection (LRP) provides protection against declining livestock prices if the price, as specified in the policy, drops below the producer’s selected coverage price. Coverage prices range from 70%-100% of daily livestock prices for swine, fed cattle and feeder cattle and 80%-95% for lambs. LRP is priced and available for sale continuously throughout the year.