Upcoming Deadline: Sep. 30th SCD for 2026 wheat, oat and Margin Protection policies.
Insurance Products
Crop Policies
For annually planted row crops
Multi-Peril Crop Insurance (MPCI)
> The federally subsidized program that provides protection against yield and/or quality loss from natural causes (weather related and certain unavoidable perils) including disease, drought, excessive moisture and freeze.
> Revenue Protection (RP) policies are available for certain crops and combine both yield and price protection.
> The same price regardless of the agent you purchase it from.
> Spring and Fall Sales Closing Dates.
Crop Hail & Wind
> Private unsubsidized insurance for hail and/or fire damage.
> Wind coverage is available on certain crops.
> Can be purchased as a standalone policy or can be used along with a Multi-Peril policy.
> Prices vary across the different AIPs, so contact us for the most competitive rates.
> Coverage may be purchased throughout the year.
Enhanced Coverage Option (ECO)
> ECO is an area based supplemental shallow loss coverage that covers loss from 86% up to 90% or 95%. Producers must purchase an individual buy-up policy to purchase ECO.
> Uses crop insurance prices & producer’s APH to set dollars of coverage, and uses crop insurance prices & area expected and final yields to determine claim.
Supplemental Coverage Option (SCO)
> SCO is an area based crop insurance option that essentially stacks on top of individual MPCI coverage. Producers must buy it as an endorsement to a RP or APH policy.
> Uses crop insurance prices & producer’s APH to set dollars of coverage, and uses crop insurance prices & area expected and final yields to determine claim.
> 86% trigger- begins to pay when county revenue falls below 86% of its expected level.
> Only available for producers/crops/ farms enrolled in PLC or on farms with no base.
Stacked Income Protection Plan (STAX)
> Area based revenue coverage for upland cotton.
> Coverage from 90% down to the producer’s level of crop insurance (up to 20%).
> Uses crop insurance Projected & Harvest prices and area Expected & Final yields.
> May be purchased on its own, or in conjunction with a MPCI policy.
> Seed cotton acreages enrolled in the ARC or PLC programs are not eligible for STAX.
Margin Protection
> Area-based* insurance plan that provides coverage against an unexpected decrease in operating margin (revenue less input costs), caused by reduced county yields, reduced commodity prices, increased prices of certain inputs, or any combination of these perils.
> Can be purchased by itself or in conjunction with a MPCI policy.
Private Products
> Base Price Modifier (BPM)
> Price Modifier Plus (PM+)
> EASYrev
> Pasture Fire
> EASYeco
> Replant Option (RO)
Rainfall Index Policies
Lack of rainfall coverages
Pasture, Rangeland & Forage (PRF)
> Lack of rainfall coverage for perennial haying and grazing acres including native and improved grasses, alfalfa.
> Uses grid system and NOAA weather reporting stations.
> Coverage on irrigated and dryland acres.
> December 1st Sales Closing Date.
Annual Forage (AF RI)
> Lack of rainfall coverage for annually planted crops intended for feed or fodder.
> 12 growing seasons
> Coverage on irrigated and dryland acres.
> Available in CO, KS NE, NM, ND, OK, SD & TX.
> July 15th Sales Closing Date
Livestock Policies
For cattle and other livestock
Livestock Risk Protection (LRP)
> Federally subsidized price protection on cattle, lambs and swine.
> Daily offerings are released around 4:00 pm and must be locked in by 8:25 the next morning.
> Written on a per head basis.
> No margin calls.
> Coverage may be purchased throughout the year.
Livestock Mortality
> All Mortality, Limited Mortality & Specified Perils
> Pasture Cattle
> Show Animals
> Equine
> Specialty Animal
> Feedlot
> Dairy
> Swine Confinement
> Livestock Market
> Frozen Semen & Embryos- Storage & Transit
> Transit (Cargo)
Dairy Revenue Protection (DRP)
> Federally subsided insurance against unexpected declines in quarterly milk revenue from milk sales relative to a guaranteed coverage level.
> Two revenue pricing options for determining coverage and indemnities:
1) Class Pricing Option uses a combination of Class III & Class IV milk prices.
2) Component Pricing Option uses the component milk prices for butterfat, protein and other solids.
> Coverage (by quarter) may be purchased at specific times throughout the year.
Other Policies
Pasture Fire
> Provides coverage to pasture acreage (perennial pasture, rangeland or forage used to feed livestock) against direct loss by fire.
> Covers fire caused 1) as a direct cause of lightning strike, 2) by equipment/machinery, 3) by weather related downed power lines.
> Up to $20 dollars of coverage/acre.
> Must be purchased by April 30th.
Weather Protection
> Customizable single peril weather coverage against heat, drought, freeze, wind, excess moisture and more.
Looking for something else? Give us a call.