ECO is a crop insurance option that provides additional area-based coverage for a portion of the underlying crop insurance policy deductible, enhancing your total coverage.
ECO is an endorsement and must be purchased with any of the following policies, Yield Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion.
ECO offers a choice of 90 or 95 percent trigger levels, and pays a loss on a area basis. An indemnity is triggered when there is a decrease in the county level yield or revenue.
The ECO option follows the coverage of your underlying policy. If you choose a yield based policy then ECO covers yield loss. If you choose a Revenue Protection policy, the ECO covers revenue losses.
the ECO subsidy rate for the 2025 crop year is moving from 44% to 65% which is an increase of 21 points. the change will result in a premium savings for farmers who elect coverage.
As RMA states: ECO provides coverage on a portion of your deductible where losses are more frequent, your premium will reflect that higher risk. The premium cost is shared between you and the
government, where the government pays 65 percent of the premium for yield and revenue policies.
The exact premium cost will depend on the crop, county, coverage level selected, and type of coverage selected such as Yield Protection versus Revenue Protection. Additional variables, including the projected price and even the volatility of the applicable commodity market can also affect the amount
of your premium.
ECO is available for many crops including corn, soybeans and wheat.
