Ag Insurance Products
Actual Production History (APH)
Actual Production History (APH) policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease.
The producer selects the amount of average yield to insure; from 50-75 percent (in some areas to 85 percent). The producer also selects the percent of the predicted price to insure; between 55 and 100 percent of the crop price established annually by RMA. If the harvested plus any appraised production is less than the yield insured, the producer is paid an indemnity based on the difference.
Indemnities are calculated by multiplying this difference by the insured percentage of the price selected when crop insurance was purchased and by the insured share.

Yield Protection
Yield Protection policies insure producers in the same manner as APH policies, except a projected price is used to determine insurance coverage. The projected price is determined in accordance with the Commodity Exchange Price Provisions and is based on daily settlement prices for certain futures contracts. The producer selects the percent of the projected price he or she wants to insure, between 55 and 100 percent.

Revenue Protection (RP)
Revenue Protection policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease, and revenue losses caused by a change in the harvest price from the projected price. The producer selects the amount of average yield he or she wishes to insure; from 50-75 percent (in some areas to 85 percent). The projected price and the harvest price are 100 percent of the amounts determined in accordance with the Commodity Exchange Price Provisions and are based on daily settlement prices for certain futures contracts. The amount of insurance protection is based on the greater of the projected price or the harvest price. If the harvested plus any appraised production multiplied by the harvest price is less than the amount of insurance protection, the producer is paid an indemnity based on the difference.

Revenue Protection With Harvest Price Exclusion (HPE)
Revenue Protection With Harvest Price Exclusion policies insure producers in the same manner as Revenue Protection policies, except the amount of insurance protection is based on the projected price only (the amount of insurance protection is not increased if the harvest price is greater than the projected price). If the harvested plus any appraised production multiplied by harvest price is less than the amount of insurance protection, the producer is paid an indemnity based on the difference.

Catastrophic Risk Protection Endorsement (CAT Coverage)
Catastrophic Risk Protection Endorsement (CAT Coverage) pays 55 percent of the price of the commodity established by RMA on crop losses in excess of 50 percent. Limited-resource producers may have this fee waived. CAT coverage is not available on all types of policies.

Pasture, Rangeland & Forage (PRF)
Pasture, Rangeland and Forage is an RMA Pilot program introduced in August 2017. The program utilizes a rainfall index to determine precipitation for coverage purposes. It is designed to help protect a producer’s operation from the risks of forage loss due to lack of precipitation.

Crop hail
We understand the devastating impact hail can have on your crops. That’s why we offer a variety of crop hail insurance solutions tailored to your specific needs. With access to multiple providers, we can customize a policy that protects your investment and provides peace of mind during the growing season.

Sprinkler Insurance
Safeguard your valuable center pivot sprinkler system with our comprehensive stand-alone sprinkler insurance policy. Unlike traditional policies that depreciate coverage over time, our policy provides replacement cost coverage, ensuring you receive the full value to replace your system, regardless of its age. Protect your investment and secure your crop yield with our specialized sprinkler insurance.

Livestock Insurance
Livestock policies are designed to insure against declining market prices of livestock and not any other peril. Coverage is determined using futures and options prices from the Chicago Mercantile Exchange Group. Price insurance is available for swine, cattle, lambs and milk. Producers decide the number of head (cwt of milk) to insure and the length of the coverage period. There are two types of plans available:
- Livestock Risk Protection (LRP): This policy directly protects against market price declines. If the final market price falls below the insured price, the farmer receives an indemnity payment.
- Livestock Gross Margin (LGM): LGM provides coverage for fluctuations in gross margin, which is the difference between the market value of livestock and the cost of feeder cattle and feed. The policy uses futures prices to calculate expected and actual gross margins, and any shortfall results in an indemnity payment.




Producer Obligations
Producers must
- Report acreage and any required production accurately
- Meet policy deadlines
- Pay premiums when due
- Report losses immediately
Producers will receive
- Accurate answers to questions on types of coverage
- Prompt processing of their policy
- Timely payments for covered losses
Important Deadlines Definitions
Sales closing date: last day to apply for coverage.
Final planting date: last day to plant without a dock in coverage.
Acreage reporting date: last day to report the acreage planted. If not reported, insurance will not be in effect.
Date to file notice of crop damage: for a planted crop, notice must be provided within 72 hours of discovery of damage or loss of production (but not later than 15 days after the end of the insurance period). If there is no damage or loss of production and a revenue plan of insurance is in effect, notice must be given no later than 45 days after the latest date the harvest price is released. For crops that are prevented from being planted, notice must be provided within 72 hours after the final planting date or the time the producer determines it will not be possible to plant during any applicable late planting period.
End of insurance period: latest date of insurance coverage.
Payment due date: last day to pay the premium without being charged interest.
Cancellation date: last day to request cancellation of policy for the next year.
Production reporting date: last day to report production for APH, ARH, Revenue Protection, and Revenue Protection with harvest price exclusion option.
Debt termination date: date the approved insurance provider will terminate a policy for nonpayment.
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