Crop Insurance
Protect your operation from unpredictable yields, weather, and market swings.
When your livelihood depends on the land, every season brings risk from droughts to hail to sudden price drops. We offer crop insurance policies that are practical, personalized, and designed to help you weather the unexpected.
Crop Insurance Options
We offer federally backed coverage that helps manage both yield and revenue losses. Whether you’re growing wheat, corn, soybeans, or another crop, we’ll guide you through your options and help you build a policy that fits your farm, your region, and your risk tolerance.
MPCI Insurance Policies
MPCI policies provide coverage for loss of yield, or a combination of yield and price coverage provided through the Federal Crop Insurance Corporation (FCIC). These policies provide coverage to the producer for naturally occurring perils (weather events) and combination products also cover loss in value due to a change in market price during the insurance period. MPCI is federally supported and regulated and is sold and serviced by private-sector crop insurance companies and agents.
Individual MPCI Plans: Individual plans are based upon an individual yield loss and, in some plans, a decline in price, due to a wide range of perils.
Actual Production History (APH): Protects against individual yield loss based on your individual APH. APH differs from YP in that the RMA sets the price elections.
Revenue Protection (RP): Insures against revenue loss due to an increase or decrease in yield and/or price. The final revenue guarantee is based on the higher of the projected price or harvest price. RP uses the Commodity Exchange Price Provisions (CEPP) to determine the prices.
Yield Protection (YP): Protects against production losses due to a decrease in yield. YP uses the Commodity Exchange Price Provisions (CEPP) to determine the prices.
Annual Forage Policies
Annual Forage is a Rainfall Index insurance policy that provides coverage on any annually planted crop used for forage or fodder by livestock. This program is designed to protect against a single peril, lack of precipitation. Annual Forage has twelve (12) growing seasons. At least two to three different intervals need to be selected for Annual Forage coverage depending on the state. The months within the intervals cannot overlap. Available on triticale, wheat, barley, rye, oats, millet, hay grazer, corn for silage, and first year alfalfa.
Pasture, Range & Forage (PRF) Policies
The RI-PRF insurance plan is designed to provide insurance coverage on pasture, rangeland, or forage acres. The program utilizes a rainfall index to determine precipitation for coverage purposes. Pasture, Rangeland, and Forage insurance was designed to help protect a producer’s operation from the risks of forage loss due to the lack of precipitation.
Coverage is based on a producer’s selection of coverage level, index intervals, and productivity factor. The index interval represents a two-month period and a minimum of two intervals must be selected. Producers need to make several choices when insuring their grazing or hay production, including coverage level, index intervals, irrigated practice, productivity factor, and number of acres. The Rainfall Index uses National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) data, which utilizes a grid system to determine precipitation amounts within an area.
Private Product Options
Private policies are not part of the Federal Crop Insurance Program and are provided directly to farmers by private insurers.
Crop Hail: Hail is one peril that can decimate a portion of your field and leave the rest undamaged. Crop hail coverage gives you acre-by-acre protection up to the actual cash value of your crop, thereby protecting your investment and your future. This policy is available in a variety of forms and allows you to tailor the coverage to meet your needs
Crop Fire: A stand-alone named peril product that covers fire, lightning and transit.
Frequently Asked Questions
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We cover a wide range of crops, including wheat, corn, soybeans, and more. Just ask about your specific operation.
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Depending on your plan, coverage may include drought, hail, excessive moisture, pests, disease, and market fluctuations.
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Our team will guide you through the options and help you find the best fit for you. We start by learning about your operation. We’ll ask questions about what you grow, how many acres you farm, and where you're located. Then we walk you through your options, explaining what each type of coverage does (and doesn’t) include. We’ll break down the numbers, help you compare plans, and recommend a strategy that fits your budget and risk tolerance.
Coverage That Supports Your Operations
With the right insurance in place, you don’t have to lose sleep over what might happen next season. You’ll know your crops, your livestock, and your livelihood are protected. And if you’ve got questions or concerns, we’re just a phone call away.