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

• Private unsubsidized insurance for hail and/or fire damage.
• 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.

Pasture, Rangeland & Forage Rainfall Index (PRF)

• Rainfall coverage for perennial haying and grazing acres.
• Coverage on irrigated and dryland acres.
• Covers lack of rainfall only.
• December 1st Sales Closing Date.

Annual Forage Rainfall Index (AF RI)

• Rainfall coverage for annually planted crops intended for feed or fodder.
• Coverage on irrigated and dryland acres.
• Covers lack of rainfall only.
• July 15th Sales Closing Date.

Livestock Risk Protection (LRP)

• Federally subsidized price protection on cattle, lambs and swine.
• Written on a per head basis.
• No margin calls.
• Coverage may be purchased throughout the year.

Livestock Gross Margin (LGM)

• Gross margin protection on cattle, dairy cattle and swine.
• Cattle & Swine: provides protection against loss of gross margin (market value of livestock minus feed costs) .
• Dairy Cattle: provides protection against loss of gross margin when feed costs rise or milk prices drop (market value of milk minus feed costs).

Livestock Mortality

• Providing the following types of livestock insurance:

• Animal Mortality & Limited Mortality
• Pasture Cattle (Specified Peril)
• Fair & Special Events
• Specialty Animal
• Feedlot
• Dairy
• Swine Confinement
• Livestock Market
• Frozen Semen & Embryos- Storage & Transit
• Transit (Cargo)

Farm & Ranch Insurance

• Broad range of coverages for both farm owners and commercial ag products.
• Offer comprehensive coverage for home, buildings, equipment, stock, liability and commercial agricultural operations as well as excess liability options (auto available in conjunction with package policy).
• Specialized programs for dairy and equine risks.

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 and 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.

Weather Protection

• Customizable single peril weather coverage against heat, drought, freeze, wind, excess moisture and more.