Multi-peril
Federal yield and revenue protection against a broad range of causes.
Business Insurance
Crop insurance for the season ahead.
Crop cover runs on federal deadlines. Miss the sales closing date and the season is uninsured, whatever the weather does next.
Crop insurance in the United States operates largely through a federal programme administered by the USDA Risk Management Agency and delivered by private companies. Alongside it sits private crop-hail cover, which works differently and can be bought later in the season.
Federal multi-peril and crop-hail
Multi-peril crop insurance covers yield or revenue shortfalls from a broad range of causes including drought, flood and disease. It is federally regulated, so the terms and rates are the same wherever you buy it — what differs is the service you get.
The sales closing date is the part that catches growers out. Cover cannot be bought after it for that crop year, regardless of conditions. Crop-hail is a separate private product covering hail and often fire, and can usually be added during the growing season.
What it covers
The parts of a crop insurance policy
Crop-hail
Private cover for hail and often fire, available during the season.
Revenue protection
Cover against price as well as yield movement, where elected.
Acreage reporting
Support with the reporting and documentation the programme requires.
Working with us
What we do differently
We are an independent agency, so we place your crop insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Diary the sales closing date — cover cannot be bought after it
- Keep accurate production history; it determines your guarantee
- Consider crop-hail alongside multi-peril rather than instead of it
Common questions
Crop Insurance, answered
How does federal crop insurance work?
It is administered by the USDA Risk Management Agency and delivered through private companies. Rates and terms are federally set, so what differs between providers is service rather than price.
What is the sales closing date?
The deadline for buying or changing cover for a crop year. After it passes, cover cannot be arranged for that season regardless of conditions, which makes it the single most important date in the process.
Is crop-hail the same thing?
No. Crop-hail is a private product covering hail and often fire, usually available during the growing season. Many growers carry both, since multi-peril deductibles can be substantial.
Related cover
Often arranged alongside this
Farm Insurance
A farm is a home, a business and a piece of industrial equipment on the same title. One policy is written to hold all three.
Read moreLivestock Insurance
Animals are inventory that can die from weather, disease or a lightning strike on open ground. Cover is written around named causes.
Read moreFarm Equipment Insurance
Modern agricultural machinery costs more than most of the buildings it sits beside. It should be insured accordingly.
Read moreReady for a crop insurance quote?
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