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 20th for 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 20th.
  • 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 15th.

 

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

Contact us today so we can start working with you on the plan that’s best for you!

 


COVID-19/Coronavirus Office information

VIP Customers,

We are committed to serving you!


All VIP Offices are staffed and we are here to serve our community. We remind our customers that most services can be provided by making a phone call to your local VIP office. Payments can be made by credit card, debit card, or check over the phone! Policy changes can be done over the phone as well.


If a visit to our offices is required, we ask that all customers follow health care professionals advice for COVID-19 and please keep at least 6 feet of distance from our staff and we will keep our distance from you as well. If you have recently been sick or fear you might currently be sick, we ask that you do not come inside the office. Please call us and we can meet you at the door for service.


Thank you for your continued support and understanding!


VIP Staff, Management and Ownership