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Multi-Peril Crop Insurance

REVENUE PROTECTION

REVENUE PROTECTION

Revenue Protection (RP) is a Multi-Peril crop insurance product that is based on the Commodity Exchange Price Provisions prices and protects against production loss, price decline or increase or a combination of both.

YIELD PROTECTION

YIELD PROTECTION

Yield Protection (YP) is a multi-peril crop insurance product that protects against losses in yield due to nearly all natural disasters. This product guarantees a yield based on individual producers actual production history. If the production to count is less than the yield guarantee, an indemnity is paid.

REVENUE PROTECTION WITH HARVEST PRICE EXCLUSION

REVENUE PROTECTION WITH HARVEST PRICE EXCLUSION

The Revenue Protection Plan with Harvest Exclusion Plan (RP-HPE) is similar to the Revenue Protection (RP) plan, however it provides coverage against loss of revenue caused by price decrease, low yields or a combination of both – the price increase is not covered because the guarantee is not adjusted up by the harvest price for this plan.

WHOLE FARM REVENUE PROTECTION

WHOLE FARM REVENUE PROTECTION

Whole Farm Revenue Protection (WFRP) is a Multi-peril insurance product that provides a safety net for all commodities on the farm under one insurance policy, including specialty and organic crops, allowing for more crop diversity on the farm. WFRP provides protection against loss of revenue that you expect to earn or will obtain from commodities you produce or purchase for resale during the insurance period.

AREA REVENUE PROTECTION

AREA REVENUE PROTECTION

Area Revenue Protection(ARP) is a county-based revenue insurance product that pays in the event the Final County Revenue falls below the Trigger Revenue level you selected. The Trigger Revenue is calculated using the higher of the Projected Price or Harvest Price, Individual farm revenues and yields are not considered. Your individual farm may experience reduced yield/revenue, but you may not receive an indemnity.

AREA YIELD PROTECTION

AREA YIELD PROTECTION

AYP is a county-based insurance product that pays an indemnity in the event the Final County Yield falls below the Trigger Yield you selected. Individual farm yields are not considered. Area Yield Protection(AYP) insures against widespread loss of production of your crop in a county. AYP is primarily intended for use by those producers whose farm yields tend to follow the average county yield. Your individual farm may experience a reduced yield, but you may not receive an indemnity.

PASTURE, RANGELAND, AND FORAGE

PASTURE, RANGELAND, AND FORAGE

The Rainfall Index (RI) Pasture, Rangeland, Forage (PRF) insurance program is designed to provide coverage on your pasture, rangeland, or forage acres. The program is designed to give you the ability to help cover replacement feed costs when a loss of forage for grazing or harvested for hay is experienced due to lack of precipitation.

APICULTURE

APICULTURE

The Apiculture Insurance Program (API) is insurance offered through the United States Department of Agriculture (USDA) Risk Management Agency (RMA) meant to insure beekeepers against lower than average rainfall which could negatively affect honey production.

SUPPLEMENTAL COVERAGE OPTION

SUPPLEMENTAL COVERAGE OPTION

The Supplemental Coverage Option (SCO) is a county-level crop insurance option that provides additional coverage for a portion of a producer’s underlying crop insurance policy deductible. Producers must buy it as an endorsement to either the Yield Protection, Revenue Protection, or Revenue Protection with the Harvest Price Exclusion policies.

ENHANCED COVERAGE OPTION

ENHANCED COVERAGE OPTION

Enhanced Coverage Option (ECO) is a new crop insurance option that provides additional area-based coverage for a portion of your underlying crop insurance policy deductible. It must be purchased as an endorsement to the Yield Protection, Revenue Protection, Revenue Protection with the Harvest Price Exclusion, Actual Production History or Yield Based Dollar Amount of Insurance policy. ECO offers producers a choice of 90 or 95 percent trigger levels. Trigger means the percentage of expected yield or revenue at which a loss becomes payable.

MARGIN PROTECTION

MARGIN PROTECTION

Margin Protection (MP) is a crop insurance coverage option that provides producers with coverage against an unexpected decrease in their operating margin. The plan provides coverage that is based on an expected margin, which is the expected area revenue minus the expected area operating costs, for each applicable crop, type and practice.

LIVESTOCK GROSS MARGIN

LIVESTOCK GROSS MARGIN

Livestock Gross Margin for Cattle (LGM for Cattle) Insurance Policy provides protection against the loss of gross margin (market value of livestock minus feeder cattle and feed costs) on cattle. The indemnity at the end of the 11-month insurance period is the difference, if positive, between the gross margin guarantee and the actual gross margin. The LGM for Cattle Insurance Policy uses futures prices to determine the expected gross margin and the actual gross margin. Adjustments to futures prices are state- and month-specific basis levels. The price the producer receives at the local market is not used in these calculations.

DAIRY REVENUE PROTECTION

DAIRY REVENUE PROTECTION

Dairy Revenue Protection (DRP) is an area-based revenue product designed to protect the revenue of milk production on a dairy operation. It insures against unexpected declines in the quarterly revenue from milk sales. The expected revenue is based on futures prices for milk and dairy commodities and the amount of covered milk production elected.

LIVESTOCK RISK PROTECTION

LIVESTOCK RISK PROTECTION

Livestock Risk Protection is a federally-reinsured livestock product that provides single peril risk protection against the decline in prices over the insurance period. This insurance may be purchased throughout the year.

PREVENTED PLANTING

PREVENTED PLANTING

Prevented Planting (PP) coverage provides a payment to growers when they are unable to plant their crops due to an insurable cause. Payments are based on the MPCI coverage in place multiplied by the PP percentage available or selected. An additional 5% of PP coverage may be available for an additional premium.

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