Products We Offer

Muti Peril Crop Insurance  (MPCI)

Revenue Protection (RP) - These policies provide revenue protection based on price and yield expectations by paying for losses below the guarantee at the higher of an early season price or the harvest price.

Yield Protection (YP) - These policies insure producers against yield losses due to natural causes such as drought, excess moisture, hail, wind, front, insects and disease.

Group Risk Income Protection (GRIP) - These policies make indemnity payments only when the avergage county revenue for the insured crop falls below the revenue chosen by the farmer.

Catastrophic Coverage (CAT) - pays 55% of the established price of the commodity on crop losses in excess of 50%.  Producers pay a $300 administative fee for each crop in each county.

Crop Hail

Hail Insurance - This policy orovides the grower protection againse any yield reduction caused by hail and / or fire.  The grower may elect to insure up to the full value of the crop.  There are various deductables available to allow the grower to partially self-insure for a reduced premium cost.

Crop Hail can be written 24 hours a day, 7 days a week and takes effect 2 hours after it is bound.

For more information or rates for crop hail please call
Pam Sumpter
806-364-8052
806-683-9199 (mobile)

 

Pasture, Rangeland and Forage

Pasture, Rangeland and Forage (PRF) - This policy covers pasture, rangeland, or forage for haying and/or grazing. It offers coverage for a significant reduction in either the vegetative index or rainfall amount in a given geographic area (or grid) containing the insured property. It is NOT based on individual farms or ranches or specific weather stations in the general area.

Both grazing land and hay land utilized for forage production may be insured. The policy is based on the experience of each grid to determine indemnities rather than individual farms or ranches. It indemnifies the insured in the event a grid’s accumulated index (either vegetative or rainfall) is below the insured’s "trigger grid index" (coverage level multiplied by the expected grid index) for the period of insurance. This coverage is offered for landlords and tenants, as well as an owner/operators.


Livestock Insurance

Livestock insurance covers feedlot, pasture cattle and more.  This policy is offered by The Hartford.

For more information, please click
here.
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