MPCI, MPCI Endorsements and MPCI Policy Coverages

Multiple Peril Crop Insurance (MPCI) is federally subsidized protection from numerous causes of loss, including drought, excessive moisture, freeze, disease and more. Several MPCI products and endorsements are available specifically intended for different crops and diverse areas of the United States.

For more information on these products, contact your local Rain and Hail representative or login to your Rain and Hail account in the upper right-hand corner.

Multi-Peril Crop Insurance (MPCI)

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Actual Production History (APH)

Provides comprehensive protection against weather-related causes of loss and certain other unavoidable perils. Check Crop Provisions for specific causes of loss.

Coverage Levels: 50%-85%, in 5% increments, (80% and 85% coverage levels are not available in all areas) of the APH up to 100% of the price election (determined by RMA). CAT coverage is available at 50% of the APH and 55% of the price election.

Availability: All 50 states

11/20

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Almond Coverage

Provides a production guarantee based on the insured’s approved almond orchard yield times the coverage level percentage selected by the insured. Covered perils include adverse weather (rain, freeze, frost), failure of irrigation (due to insured peril that occurs during the insurance period), disease/insect (with proper control measures), fire (with proper undergrowth and debris control), earthquake/volcanic eruptions and wildlife.

Coverage Levels: The insured may insure at 50%-85%, in 5% increments, of the approved yield and up to 100% of the price election. CAT coverage is also available at 50% of the approved yield and 55% of the price election.

Availability: California

10/24

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Annual Forage

Provides coverage to acreage that is planted each year and used as feed and fodder by livestock. This pilot program utilizes the Rainfall Index to correlate to this acreage

Coverage Level: One coverage level from 70-90% for the county. CAT coverage is available.

Availability: Colorado, Kansas, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota and Texas

9/24

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Apiculture (API)

Provides coverage for lost honey production due to insufficient plant growth caused by below normal precipitation. Not all the colonies within the operation must be insured.

Coverage Level: 70 to 90 percent in 5% increments. CAT is not available

Availability: 48 contiguous states

9/24

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Apple Coverage

Provides protection for adverse weather, disease, fire, freeze, frost, hail, sunburn, wildlife and wind for these types: Fresh Apple, Varietal Group (A, B or C) and Processing. Consult special provisions for detailed Varietal Group information.

Coverage Level: From 50-75% of APH yield. CAT coverage is available at 50% of APH.

Availability: Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Idaho, Illinois, Indiana, Iowa, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia and Wisconsin

9/24

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Apple Tree Coverage

Provides protection for freeze, wind, hail, volcanic eruption, fire, insects/diseases/other pathogens and failure of irrigation water supply.

Coverage Level: From 50-75%. CAT coverage is available in some areas.

Availability: Idaho, Michigan, New York, Pennsylvania, Oregon and Washington

9/24

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Area Revenue Protection (ARP)

Provides insurance protection against widespread loss of revenue in a county, a price decline or a combination of both. This plan also includes upside harvest price protection, which increases your policy protection at the end of the insurance period if the harvest price is greater than the projected price and if there is a production loss. ARP does not provide coverage for prevented planting or replanting.

Coverage Level: From 70%-90%, in 5% increments, of the county revenue. Coverage is expressed as a county revenue trigger (expected county yield multiplied by the expected price and coverage level). CAT coverage is not available.

Availability: Arkansas, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas and Wisconsin

9/24

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Area Yield Protection (AYP)

Provides protection against loss of yield due to a county level production loss. A loss payment triggers when the county average yield in a given year falls below the trend adjusted average yield by a greater percentage than the insured’s selected deductible. AYP does not provide coverage for prevented planting or replanting.

Coverage Level: 70%-90% (in 5% increments). CAT is available at 65% of the expected county yield and 45% of the projected price.

Availability: Arkansas, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas and Wisconsin

9/24

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Catastrophic Risk Protection (CAT)

Production-based coverage protects the producer against a yield loss.

Coverage Level: Check MPCI plan actuarials for details.

Availability: On select MPCI plans. Check actuarials for details.

9/24

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Cherry Coverage

Provides protection for price, yield and quality-based losses. The coverage is based on a percentage of the historical net cherry revenue from the insured orchard, if records exist for the previous four crop years. If there are less than four years of revenue history, the coverage is based on a combination of the orchard history and the variable county average revenue. Covered perils include adverse weather (rain, freeze, frost), failure of irrigation supply (due to insured peril), insects/disease (with proper control measures), fire (with proper undergrowth and debris control), earthquake/volcanic eruptions, wildlife and inadequate market price.

Coverage Level: From 50%-85%, in 5% increments, of the orchard’s historical average revenue. CAT coverage is not available for ARH cherries, but the insured may select a payment factor of less than 100% to reduce the premium and the corresponding claim payment in the event of a loss.

Availability: California, Idaho, Michigan, Montana, New York, Oregon, Utah, Washington and Wisconsin

9/24

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Citrus Coverage

Provides a specified dollar amount of protection chosen by the insured that applies to each crop of citrus fruit. Covered perils include fire (unless weeds and other forms of undergrowth have not been controlled or pruning debris has not been removed from the grove), freeze (average percent of damage is determined for fruit that is damaged by freeze), hail, hurricane and tornado. The program allows the flexibility to insure by the following crops:

Type I - Early and Mid-Season Oranges
Type II - Late Oranges (juice)
Type III - Grapefruit (freeze damage adjusted on a juice basis)
Type IV - Navel Oranges, Tangelos and Tangerines
Type V - Murcott Honey Oranges and Temple Oranges
Type VI - Lemons and Limes
Type VII - Late Oranges (fresh) and Grapefruit (freeze adjusted on a fresh fruit basis)

Coverage Level: 50%-85%, in 5% increments, of the reference maximum price shown in the county actuarial table. CAT coverage is also available at 55% of the 50% level of coverage amount.

Availability: Florida

9/24

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Controlled Environment (CE) Coverage

Provides coverage for CE plants, when impacted by a disease, and are required to be destroyed under a federal or state destruction order. Losses are compensated based on the value of the infected plants.

Coverage Level: 50% to 75%, in 5% increments. CAT coverage is available.

Availability: Alabama, California, Colorado, Delaware, Florida, Hawaii, Iowa, Kentucky, Maine, Maryland, Michigan, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin

9/24

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Dairy Revenue Protection (DRP)

Provides protection against unexpected declines in quarterly revenue from milk sales as a result of a decline in milk prices, a decline in milk production or a combination of both. The policy uses the futures prices for milk and other dairy commodities and milk production indexed to state or region as a basis for its guarantee. The program does not insure against loss or destruction of cattle or individual yield risk (similar to Area Risk Protection Insurance).

Coverage Level: 80-95%, in 5% increments. CAT coverage is not available.

Availability: All 50 states

9/24

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Forage Production

Available under the Actual Production History (APH) or Area Yield Protection (AYP) insurance plans. Coverage is available on the following types of forage (refer to county actuarials for availability): Alfalfa, Red Clover, Alfalfa Grass, Birdsfoot Trefoil, Grass Alfalfa, Birdsfoot Trefoil Grass, Dryland Timothy and Orchardgrass. Losses are paid when the production to count is less than the guarantee. Production from all cuttings is used to calculate the production to count.

Coverage Level: from 50%-90% (check your county actuarial for availability), with up to 100% of the price election. CAT coverage is also available at the 50% level and 55% of the price election.

Availability: Alaska, Arizona, California, Colorado, Idaho, Illinois, Iowa, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, Nevada, New Jersey, New York, North Dakota, Oregon, Pennsylvania, South Dakota, Utah, Washington, Wisconsin and Wyoming

10/24

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Fruit Tree Coverage

Provides a specified dollar amount of protection chosen by the insured that applies to each crop of insured trees. The program allows the flexibility to insure by the following crops:

Avocado trees
Carambola trees
Grapefruit trees
Lemon trees
Lime trees
Mango trees
Orange trees (early/mid-season, late, Navel and Temple oranges)
Other citrus trees (tangerines, tangelos and Murcotts)
Any other trees as grouped and specified in the Special Provisions

Covered perils include freeze, wind and excess moisture.

Coverage Level: From 50%-75%, in 5% increments, of the reference maximum price shown in the county actuarial table. CAT coverage is also available at 55% of the 50% coverage amount.

Availability: California, Florida and Texas

9/24

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Grape Coverage

Provides a production guarantee based on the insured’s approved vineyard specific yield times the coverage level percentage selected by the insured. Covered perils include adverse weather (rain, freeze, frost), failure of irrigation (due to insured peril), disease/insect (with proper control measures, fire (with proper undergrowth and debris control), earthquake/volcanic eruptions and wildlife.

Coverage Level: 50%-85% where available, in 5% increments, of the approved yield and up to 100% of the price election. CAT coverage is also available at 50% of the approved yield and 55% of the price election.

Availability: Arkansas, California, Colorado, Connecticut, Idaho, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Virginia and Washington

9/24

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Grapevine (GV) Coverage

Provides an indemnity for the covered perils as a vine-based dollar amount of insurance program. Covered perils include mortality coverage for vine losses in the event of freeze, hail, flood, fire, failure of irrigation water supply, insects and plant diseases. No partial damage will be covered.

Coverage Level: 50%-75%, in 5% increments with optional CAT coverage or the Occurrence Loss Option (OLO)

Availability: California, Idaho, Michigan, New York, Ohio, Oregon, Pennsylvania, Texas and Washington

9/24

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Hemp Coverage

Provides Actual Production History (APH) coverage for eligible producers in certain counties.

Coverage Level: From 50%-75% where available, in 5% increments. CAT coverage is available.

Availability: Alabama, Arizona, Arkansas, California, Colorado, Illinois, Indiana, Kansas, Kentucky, Maine, Michigan, Minnesota, Missouri, Montana, Nevada, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin

9/24

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Hurricane Insurance Protection - Wind Index Endorsement (HIP_WI)

Covers a portion of the deductible of the underlying crop insurance policy when the county, or a county adjacent to it, is within the area of sustained hurricane-force winds from a named hurricane that are published by the National Hurricane Center (NHC) at the National Oceanic and Atmospheric Administration (NOAA). The coverage provided by HIP-WI can be combined with the SCO and STAX when acreage is also insured by a companion policy. There is also a Tropical Storm (TS) option.

Availability: Alabama, Arkansas, Connecticut, Delaware, Georgia, Florida, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Vermont and West Virginia

9/24

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Hybrid Seed Corn Coverage

Protects growers against weather-related causes of loss and certain other unavoidable perils.

Coverage Level: 50%-85% are available.

Availability: Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Nebraska, Ohio, South Dakota, Texas and Wisconsin

9/24

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Kiwifruit Coverage

Provides comprehensive protection against yield losses due to natural causes. The policy offers coverage for adverse weather, fire, earthquake, volcanic eruption, failure of irrigation water supply, insects, plant diseases and insufficient number of chilling hours.

Coverage Level: From 50%-85%, in 5% increments. CAT coverage is also available

Availability: California

9/24

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Livestock Gross Margin (LGM)

Provides protection for cattle, dairy cattle and swine.

LGM Cattle protects the gross margin between the market value of cattle minus the feeder cattle and feed costs on cattle.
LGM Dairy protects the gross margin between the market value of milk minus the feed costs on the milk produced from dairy cows.
LGM Swine protects the gross margin between the value of insured hogs and the cost of corn and soybean meal as well as declines in hog prices and an increase in feed costs.

Coverage Levels:

With LGM Cattle, you can choose deductible amounts from $0 to $150 per head, in $10 increments.
With LGM Dairy, you can select deductible amounts from $0 to $2 per hundredweight (cwt) of milk, in $0.10 increments./li>
With LGM Swine, you can choose deductible amounts from $0 to $20 per head, in $2 increments.

Availability: All 50 states

9/24

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Livestock Risk Protection (LRP)

Provides protection for swine, fed cattle and feeder cattle against declining livestock prices if the price, as specified in the policy, drops below the producer’s selected coverage price.

Coverage Level: From 70%-100%, in 5% increments. CAT is not available.

Availability: All 50 states

9/24

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Margin Protection (MP)

Provides you coverage against an unexpected decrease in your operating margin (revenue less input costs). MP is area-based, using county-level estimates of average revenue and input costs to establish the amount of coverage and indemnity payments. To the extent that the average margin for a county is lower than expected, due to a decrease in revenue and/or an increase in input costs, MP will cover a portion of that shortfall. MP can be purchased by itself or in conjunction with a YP or RP policy.

Coverage Level: From 70%-95%, in 5% increments, of the expected margin with protection factors from 80% to 120%. CAT is not available.

Availability:

Corn: All states except Alaska and Hawaii
Rice: Arkansas, California, Louisiana, Mississippi, Missouri and Texas
Soybeans: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, West Virginia, and Wisconsin
Spring Wheat: Minnesota, Montana, North Dakota and South Dakota

9/24

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Micro Farm

Provides a risk management safety net for all commodities on the farm under one insurance policy. Micro Farm is tailored for any farm with up to $350,000 in revenue from agricultural commodities, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty or direct markets.

Coverage Level: From 50%-85%. CAT is not available.

Availability: All 50 states

9/24

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Nursery Value Select (NVS) Coverage

Provides a specified dollar amount of protection that is chosen by the insured to best fit their risk management plan. To be eligible for NVS coverage, you must have a share in all plants, all plants must be grown in a nursery that receives at least 40% of its gross income from the wholesale marketing of nursery plants, all plants must be grow in an appropriate medium and all plants must be grown and sold with the root system attached.

Coverage Level: From 50%-75%, in 5% increments. CAT coverage is available.

Availability: All 50 states

9/24

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Pasture, Rangeland, Forage (PRF)

Insures against widespread loss of production of the insured crop in a designated area called a grid. Coverage is based on the experience of a grid rather than individual farms. Coverage under the Pasture, Rangeland, Forage (PRF) program is available for two crop types: Grazing and Haying. Losses are paid when the grid’s accumulated index, known as the final grid index, falls below the insured’s trigger grid index. Lack of precipitation is the only cause of loss covered by Rainfall Index (RI).

Coverage Level: From 70%-90%, in 5% increments. CAT is not available.

Availability: 48 contiguous states and Hawaii

9/24

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Pecan Revenue Coverage

Insures against damage or loss of revenue due to:

Adverse weather conditions (including hail, frost, freeze, drought and excess precipitation)
Fire due to natural causes (unless weeds have not been controlled and/or pruning debris has not been removed)
Earthquake
Volcanic eruption
Wildlife
Decline in the market price
Insects (excluding damage due to insufficient or improper application of pest control measures)
Plant disease (excluding damage due to insufficient or improper application of disease control measures)
Failure of the irrigation water supply, if caused by an insured peril that occurs during the insurance period

Coverage Level: from 50%-85%, in 5% increments. CAT is available.

Availability: Alabama, Arizona, California, Florida, Georgia, Mississippi, New Mexico, Oklahoma and Texas

9/24

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Pecan Tree Coverage

Provides coverage against wind, freeze damage, freezing rain, drought, flood, fire and failure of irrigation water supply.

Coverage Level: from 50%-75%, in 5% increments. CAT is available.

Availability: Alabama, Arkansas, Florida, Georgia, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina and Texas

9/24

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Pistachio Coverage

Provides a production guarantee based on the insured’s approved pistachio yield times the coverage level percentage selected by the insured. Covered perils include adverse weather (rain, freeze, frost), failure of irrigation (due to insured peril), disease/insect (with proper control measures, fire (with proper undergrowth and debris control), earthquake/volcanic eruptions and wildlife.

Coverage Level: From 50%-85%, in 5% increments. CAT is also available.

Availability: Arizona, California and New Mexico

10/24

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Post-Application Coverage Endorsement (PACE)

Provides supplemental coverage when you are prevented from post/split applying nitrogen in the two to three weeks of the V3-V10 corn growth stages due to wet weather and field conditions.

Coverage Level: From 75%-90%, in 5% increments. CAT is not available.

Availability: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin

9/24

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Revenue Protection (RP)

Provides comprehensive protection through a dollar guarantee. RP also provides prevented planting and replant protection. A projected price is used to calculate the premium, replant payments and prevent planting payments. RP covers weather-related causes of loss, certain other unavoidable perils and price fluctuations. The RP dollar guarantee for the insurance unit is the approved yield times the level of coverage, the insured acreage, the percent of share and the projected price. There is increased protection if the harvest price is higher than the projected price. Revenue Protection with Harvest Price Exclusion does not provide increased protection if the harvest price is higher than the projected price.

Coverage Level: From 50%-85%, in 5% increments (80% and 85% coverage levels are not available in all areas). CAT is not available.

Availability: All 50 states

9/24

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Revenue Protection Harvest Price Exclusion (RPHPE)

Covers weather-related causes of loss, certain other unavoidable perils and price fluctuations. It offers comprehensive protection through dollar guarantee. RPHPE also provides prevented planting and replant protection. A projected price is used to calculate the premium, replant payments and prevent planting payments. RPHPE coverage excludes the use of the harvest price in the determination of the revenue protection guarantee, differentiating it from RP coverage. The RPHPE dollar guarantee for the insurance unit is the approved yield times the level of coverage, the insured acreage, the percent of share and the projected price. RPHPE does not provide increased protection if the harvest price is higher than the projected price.

Coverage Level: From 50%-85%, in 5% increments (80% and 85% coverage levels are not available in all areas). CAT is not available.

Availability: All 50 states

9/24

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Shellfish Coverage

Provides protection for oysters against losses due to named storms, excessive heat during a low tide event, freeze during a low tide event or low salinity due to excessive rainfall.

Coverage Level: From 50%-75%, in 5% increments (80% and 85% coverage levels are not available in all areas). CAT is available.

Availability: Alabama, California, Delaware, Florida, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia.

9/24

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Stacked Income Protection Plan (STAX)

An area-based plan of insurance for upland cotton that provides protection against natural causes of loss that result in the area revenue falling below the county loss trigger. STAX may be purchased as a stand-alone policy or in conjunction with a Common Crop Insurance Policy (YP, RP, RPHPE and WFRP) or any Area Risk Protection Insurance policy (AYP, ARP and ARPHPE).

Coverage Level: From 0%- 20%, in 5% increments. Producers utilizing more than one farming practice may elect the 0% coverage range if they don’t wish to have STAX coverage for a particular practice. If the producer has a companion policy, the maximum coverage election will be limited the lessor of 20% or 90 % minus the coverage level election on the companion policy. If the producer does not have a companion policy, the coverage range is from 0% up to 20%.

Availability: Alabama, Arizona, Arkansas, California, Florida, Georgia, Kansas, Louisiana, Mississippi, Missouri, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia

11/20

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Weaned Calf Risk Protection (WCRP)

WCRP is an Actual Production History (APH) plan of insurance that provides protection for beef cow-calf producers for adverse weather, fire, wildlife, earthquake, volcanic eruption, disease (but not damage due to insufficient or improper application of disease control measures), other causes directly damaging pastures and other forms of grazing, calf death due to a covered peril occurring during the insurance period and for revenue protection a change in harvest price from projected price.. Revenue Protection, Revenue Protection with Harvest Price Exclusion and Yield Protection are all available under WCRP.

Coverage Level: From 50%-85%. CAT is available/

Availability: Colorado, Nebraska, South Dakota and Texas

9/24

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Whole-Farm Revenue Protection (WFRP)

Provides a risk management safety net for all commodities on the farm under one insurance policy. This insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, specialty or direct markets. WFRP provides protection against the loss of insured revenue due to an unavoidable natural cause of loss, that occurs during the insurance period and will also provide carryover loss coverage if you are insured the following year.

Coverage Level: From 50%-85%. CAT is not available/

Availability: All 50 states

9/24

Multi-Peril Crop Insurance (MPCI) Policy Coverages

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Prevented Planting Coverage

Provides a payment to growers when they are unable to plant their crops due to an insurable cause. Perils covered are weather related and include drought. Prevented planting coverage for the same insured cause of loss event can continue up to two years. The guarantee is the protection per acre for timely planted acreage (historical yield [MPCI APH] multiplied by the level of coverage and the projected price multiplied by the applicable prevented planting coverage percentage. An additional prevented planting coverage level of plus 5% is available for a surcharge unless this option is not provided for in the county actuarial table (not available for CAT coverage level).

Availability: Available for all crops, unless otherwise specified in the specific crop provisions.

11/20

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Replant Coverage

Provides a payment to growers to replant an insured crop that has been damaged by an insurable cause of loss. If allowed by the Crop Provisions, a replanting payment may be made on an insured crop, replanted after Rain and Hail has given consent (and documented in the claim file), and the acreage replanted is at least the lesser of 20 acres or 20% of the insured planted acreage for the unit.

Availability: Available for all crops, unless otherwise specified in the specific crop provisions.

11/20

Multi-Peril Crop Insurance (MPCI) Endorsements

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Coverage Enhancement Option (CEO)

A continuous endorsement that provides for increased protection above that offered under the MPCI program.

Coverage Level: Equal to the underlying coverage level plus a minimum of 5%. The maximum CEO coverage level is 85%.

Availability: Texas

9/24

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Enhanced Coverage Option (ECO)

Provides additional area-based coverage for a portion of your underlying crop insurance policy deductible. It works in conjunction with your underlying multi-peril policy so it must be purchased as an endorsement to the Yield Protection, Revenue Protection, Revenue Protection with the Harvest Price Exclusion, Actual Production History or Yield Based Dollar Amount of Insurance policy.

Coverage Level: An additional band of coverage from 86% to 95% of your approved yield

Availability: Over 40 crops in most locations. Check actuarials for details.

9/24

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Freeze Date Extension for Hybrid Seed Corn

Allows the insured to extend the frost or freeze date by 5, 10 or 15 day increments (the MPCI program provides a frost or freeze date after which frost or freeze is not an insurable cause of loss). If a frost or freeze occurs during this extended coverage period that causes the seed corn warm test germination rate to drop below 80%, it would be a covered loss under this endorsement.

Availability: Illinois, Indiana, Iowa, Minnesota and Nebraska

9/24

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Increased Germination for Hybrid Seed Corn

Provides improved coverage by guaranteeing that the seed corn will have a warm test germination rate of at least 90% and a cold test germination rate of at least 80% as applied separately to samples of rounds and flats.

Availability: Illinois, Indiana, Iowa, Minnesota and Nebraska

9/24

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Margin Price Option (MPO)

A private endorsement product that allows you to insure your corn and soybeans at a higher price than what is available under your Margin Protection (MP) policy

Availability: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin

9/24

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Price Option Plus (POP)

A private endorsement product that provides additional price coverage to the same crop(s) insured under the Multiple Peril Crop Insurance (MPCI) policy. It is available for sugar beets.

Availability: Minnesota and North Dakota

9/24

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Quality Loss (QL) Option

Utilizes your actual yields without adjustments for quality deficiencies to calculate your Approved APH, rather than the post-quality yields that are currently used. By electing QL, your APH database will reflect what you actually produced, not a yield that was reduced due to a quality issue.

Availability: Over 20 crops. Check actuarials for details.

9/24

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Raisin Extra Expense

The Raisin Extra Expense endorsement will cover the producer for the additional expenses that are associated with slipping, additional turning, or additional rolling and unrolling to minimize damage from the rain.

Availability: California

11/20

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Raisin Reconditioning

Provides coverage in excess of that payable under the MPCI program. The additional Raisin Reconditioning coverage amount is determined annually. This coverage is subject to a minimum loss of 5% or 20%, whichever is elected, of the tonnage in the unit. This endorsement, when combined with MPCI, provides the grower with coverage for the actual costs of reconditioning the raisins up to the coverage amount per ton elected.

Availability: California

11/20

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Replant Extra

The Replant Extra endorsement provides additional coverage to the grower to cover the costs to replant above the amount that is provided on the underlying yield-based plan of insurance policy. The endorsement is available for corn, dry beans, soybeans and sugar beets.

Availability: Alabama, Arkansas, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Dakota, Ohio, South Dakota, Tennessee, Wisconsin and Wyoming

9/24

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Revenue Price Option (RPO) with Market Coverage Option (MCO)

A private endorsement product that allows you to insure your corn and soybeans at a higher price than what is available under your Revenue Protection (RP) policy.

Availability: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin

9/24

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Stacked Income Protection Plan (STAX)

Availability: Alabama, Arizona, Arkansas, California, Florida, Georgia, Kansas, Louisiana, Mississippi, Missouri, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia

11/20

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Supplemental Coverage Option (SCO)

Provides additional coverage for a portion of your underlying crop insurance policy deductible. SCO is an endorsement to either a YP, RP or RPHPE policy. For crops that do not have revenue protection plans, SCO is also available as an endorsement to the APH policy. SCO follows the coverage of the underlying policy. If the underlying policy is YP, then SCO covers yield loss. If the underlying policy is RP, then SCO covers revenue loss.

Coverage Level: Dependent on the liability, coverage level and approved yield for your underlying policy. The SCO trigger percentage is 86%.

Availability: 48 contiguous states

9/24

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Yield Exclusion (YE)

Allows growers with qualifying crops in eligible counties to exclude low yields in exceptionally bad years (such as a year in which a natural disaster or other extreme weather occurs) from your production history when calculating yields used to establish their crop insurance coverage.

Availability: All 50 states

9/24

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Yield Plus (YDP)

YDP is a private endorsement product that provides coverage based on the insured’s approved yield established for the underlying MPCI policy. YDP provides coverage against yield losses which results in the production to count being less than the MPCI production guarantee. YDP coverage is available when the underlying MPCI plan of insurance is Yield Protection (YP), Revenue Protection (RP), or Revenue Protection with the harvest price exclusion (RP-HPE).

Availability:

Corn and Soybeans: Arkansas, Colorado, Delaware, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Nebraska, New York, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee and Wisconsin
Wheat: Idaho, Oregon and Washington

9/24

The insurance products described here are subject to availability and qualification. This is not an exhaustive list of all products available. Product availability and coverage subject to change. Contact your Rain and Hail representative for more information.