Products.

Multi-Peril (MPCI):

Multi-peril policies offer coverages for loss of production or a combination of yield and price coverage. The combination of these products allow for coverage of loss in value due to market price adjustments throughout the insurance period, in addition to perils covered under standard loss of yield coverage.

Crop Hail:

Crop Hail coverage provides protection against physical damage from hail and/or fire. Coverage options vary depending on your specific needs: full/basic, dollar/deductible, and companion. A dollar amount of coverage is selected to permit a producer to partially self-insure for reduced premium costs. Coverage is provided on an acre-by-acre basis, so that damage that occurs on only part of a farm may be eligible for payment with the rest of the field remains unaffected.

Pasture Range and Forage:

Pasture, Rangeland, and Forage insurance provides coverage on pasture, rangeland, as well as forage acres. This innovative programs is based on precipitation and the National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC). This program allows you to buy insurance protection for losses of forage produced for grazing or harvested for hay, which result in increased costs for feed, destocking, depopulating, or other actions. PRF is available in the 48 contiguous states except for a few grids that cross international borders.

Annual Forage:

Annual Forage insurance is designed to provide coverage on acres planted each year for livestock feed and fodder. This program uses the Rain Fall Index like the PRF program to correlate precipitation amounts with planted acres. This program is designed to give you the ability to buy insurance protection against losses of forage produced for grazing, silage, or harvested for hay, which result in increased costs for feed, destocking, depopulating, or other actions. Annual forage is available in all counties in the following eight states including Colorado, Kansas, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, and Texas.

Livestock Risk Protection (LRP):

Livestock Risk Protection insurance is designed to insure against declining market prices. Beef producers may choose from a variety of coverage levels and insurance periods that correspond with the time their feeder cattle would normally be marketed (ownership may be retained).

Premium rates, coverage prices, and actual ending values are posted online daily. The beef producer may choose coverage prices ranging from 70 to 100 percent of the expected ending value. At the end of the insurance period, if the actual ending value is below the coverage price, the producer may receive an indemnity for the difference between the coverage price and actual ending value.

Property & Casualty:

Property and Casualty insurance also known as P & C are types of coverages that protect you and your property.

Property insurance assists in covering items that you own like your car, home, and utility vehicles. In addition to personal items property insurance can also provide renters insurance as well as landlord policies.

Casualty insurance provides coverage for liability in order to protect you in the event that you are found legally responsible for an accident that causes injuries or harm to another person or damage to another person’s belongings.