Take control of what you can and get protection for what you can’t with crop insurance.
How can crop insurance help protect your business?
Growing crops is an essential business and the viability of those crops is essential to your bottom line. You can take all possible precautions and yet outside forces beyond your control can devastate your fields. Having adequate insurance in place each growing season may protect you from the unexpected for when disaster strikes.
Coverage for whatever crops up.
Farmers face three major risks when it comes to their crops: low yields, poor quality, and low crop prices. Not producing enough, producing crops that cannot be sold, or having the price of certain crops fall can lead to significant losses for farms. Often, the factors that create the scenarios cannot be predicted or avoided. Farmers can choose to insure their crops and, therefore, their livelihood.
Crop-hail insurance protects against hail and other perils.
Hail can be extremely dangerous for crops. Hailstones can vary in size, though a storm is considered severe if stones are one inch in diameter or larger, and stones can be of various sizes within the same storm. Some areas are more prone to hail than others, but hail is unpredictable since it can destroy a portion of a crop while leaving another area of the field untouched. Some policies may also cover the costs to replant damaged crops. Crop-hail insurance may also provide coverage for more than just hail, such as:
Multi-peril crop insurance offers basic and additional coverage.
Multi-peril crop insurance, also known as all-risk crop insurance, provides protection for times when the crop yield is low or of poor quality as a result of covered perils, including hail, insects, and disease. The United States government fully subsidizes the cost of catastrophic coverage, but farmers can increase their coverage through a buy-up program in order to secure more adequate coverage. This coverage must be purchased before the growing season begins, on dates set by the federal government. Multi-peril policies may include coverage for the following:
Other crop insurance considerations are available.
In addition to crop-hail and multiple peril crop insurance, there are other policies available to farmers. Revenue insurance helps protect a farmer’s income by guaranteeing a certain level despite unpredictable factors like low yields and prices. Livestock insurance may also be available for farms that raise animals. Similarly, insurance can be purchased to insure the pasture, rangeland, forage, and hay necessary to raise animals.
To review your crop insurance needs and to learn more about your coverage options, contact us.
In accordance with Federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices, and employees, and institutions participating in or administering USDA programs are prohibited from discriminating based on race, color, national origin, religion, sex, gender identity (including gender expression), sexual orientation, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs). Remedies and complaint filing deadlines vary by program or incident.
Persons with disabilities who require alternative means of communication for program information (e.g., Braille, large print, audiotape, American Sign Language, etc.) should contact the responsible Agency or USDA’s TARGET Center at (202) 720-2600 (voice and TTY) or contact USDA through the Federal Relay Service at (800) 877-8339. Additionally, program information may be made available in languages other than English.
To file a program discrimination complaint, complete the USDA Program Discrimination Complaint Form, AD-3027, found online at How to File a Program Discrimination Complaint and at any USDA office or write a letter addressed to USDA and provide in the letter all of the information requested in the form. To request a copy of the complaint form, call (866) 632-9992. Submit your completed form or letter to USDA by: (1) mail: U.S. Department of Agriculture, Office of the Assistant Secretary for Civil Rights, 1400 Independence Avenue, SW, Washington, D.C. 20250-9410; (2) fax: (202) 690-7442; or (3) email: firstname.lastname@example.org.
USDA (along with Manry Rawls, LLC, RCIS, and Rain & Hail) is an equal opportunity provider, employer, and lender.
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