Crop Insurance

Crop insurance is an integral part of the agriculture industry and a great risk management tool. There are many ways that farmers can benefit from having crop insurance, however, the products themselves can be confusing unless you have a knowledgeable agent to work with you through the process. Our agencies have served our surrounding communities for over 30 years. All of our crop insurance agents are knowledgeable and up-to-date on industry developments and revisions and will work with you to ensure you have the best possible coverage to suit your needs.

Types:

Private Hail Insurance

Coverage on a Per Acre basis
Elect an amount of desired coverage per acre.Example: $6,000/Acre
Rates vary by Company, County, and Township
0-5% Min Loss before payable claim
Insurance coverage period: Time fruit is set, until harvest.

Government Subsidized Multi-Peril Programs

Apples, Pears and Grapes: Production based insurance. CAT (Catastrophic) 50% production and 55% price election, $300 per crop per county. Buy-Up, up to 75% Production and 100% price, prices vary. Sales Close November 20^thfor following crop year.
Cherries: Revenue based insurance (Price Protection). Approved Revenue based on 4 year historical data. Coverage available from 50%-75% of Approved Revenue and Payment Factor from 67%-100%. CAT Not available on Cherries, prices vary. Sales Close November 20^th.
Whole Farm Revenue Protection (WFRP) – formally AGR: Revenue protection for one or more commodities. Based on your Schedule F Gross income from farm sales. Gross Revenue guarantee is based on 5 consecutive tax years. Cannot exceed liability coverage of $8.5 million. Coverage levels available from 65%-75%, up to 85% if 3+ commodities. Prices Vary. Sales Close March 15^th.

When you work with VIP you will receive:

Responsive customer service
Precise GPS mapping, map books and wall maps
Detailed spreadsheets with pertinent orchard data
Quality adjusting staff
GAP compliance coordination
Access to coverage with preferred crop insurance companies, such as:
- Producers Agriculture (ProAg)
- Rual Community Insurance Service (RCIS)
- Hudson Crop
- Rain & Hail
- Great American