Every farm is different, and your coverage should reflect that. Our focus is simple: provide clear options, walk through the numbers, and help you protect the acres you work so hard for.

This is the foundation of most risk-management plans. We review your yields, unit structure, APH, and financial goals to help you choose a level that fits your operation.

What We Help With:

• APH cleanup and accuracy
• Optional vs enterprise unit comparisons
• Trend, yield exclusion options, and coverage levels
• Irrigated vs non-irrigated separation
• Added land and landlord updates
• Year-round support during claims and audits

Hail and wind can hit one field and leave the rest untouched. These flexible policies give you extra protection on high-yield acres or fields with added risk.

Coverage Options:

• Straight hail
• Companion / production hail
• Wind and green-snap add-ons
• Deductible and zero-deductible plans

When It Makes Sense:

• High-yield farms where loss exposure is larger
• Spotty risk areas
• Fields with history of wind/hail pressure

SCO and ECO provide additional layers of county-based protection on top of your MPCI policy. They pay when county yields or revenue fall below certain triggers, even if your individual farm doesn’t show a loss. These tools help stabilize risk in years where widespread drought or market swings impact the entire area.

Supplemental Coverage Option (SCO)

SCO covers the band from your MPCI coverage level up to 86%.

Highlights:
• Follows county yields or revenue
• Works best with enterprise units
• Adds affordable top-end protection
• Complements lower individual coverage levels

Enhanced Coverage Option (ECO)

ECO provides higher county protection, covering bands 86%–90% or 86%–95%.

Highlights:
• Protects against widespread drought or revenue drops
• Strong option in high-yield, stable counties
• Helps buffer large swings in price or county yields
• Can be paired with SCO or used on its own

When SCO/ECO Make Sense:

• You want more protection above your MPCI level
• Your farm tracks closely with county performance
• Higher market volatility is expected
• You’re looking for stronger top-end risk management

PRF is a weather-based insurance program designed to help manage drought risk on pasture, rangeland, and forage acres. Coverage is based on rainfall measured within a geographic grid, not on rainfall recorded on your individual farm. The country is divided into fixed grid areas that use data from multiple weather stations to calculate average rainfall for each two-month interval. If rainfall in your selected grid falls below the historical average during an interval you choose, a payment may be triggered.

Because PRF relies on grid-level data, your farm does not need to receive the exact amount of rainfall shown in the grid for coverage to apply. This works similarly to county-based programs, where payments are tied to broader area performance rather than individual field results. Grid selection and interval selection are important, as some grids track local conditions more closely than others, and coverage can be tailored to match the timing and drought risk of your operation.

*PRF coverage is based on rainfall index data for a geographic grid and is not based on rainfall or production measured on an individual farm.

Private products add extra protection in areas where standard policies may leave gaps. These options vary by carrier and county, but they’re designed to strengthen early-season coverage, increase per-field protection, and provide added support during weather-driven losses.

What These Products Can Include:

• Early-season protection for additional passes, seed, and fieldwork
• Additional coverage for field-specific risk
• Limited input or cost-protection tools (where available)

When Private Products Fit Well:

• High-yield or high-input acres
• Fields with early-season weather exposure
• Operations wanting tighter risk control beyond MPCI levels

Insurance doesn’t stop after planting. We stay in touch through key points of the season to make sure your policy continues to match what’s happening on your farm.

Support Includes:

• Acreage certification review
• Production reporting help
• Claim notices and adjuster coordination
• Pre-harvest yield check-ins
• End-of-year planning and APH review
• New land onboarding