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Having crop insurance is essential to your farming business because it covers your expenses in the event of a natural disaster. Whether it’s a tornado, heavy rains, or hail damage, you need to to protect your farm. Everyone is affected by these acts of nature, but none more so than the farmer. It’s vital to protect your income and your livelihood.
We’ve all read the stories, the history, of one crop failure or severe storm wiping out everything planted and/or stored. Livelihoods were lost, leading to the loss of homes, food, and life. In 1880, private insurance companies began to sell a specific insurance policy that would protect farmers from hailstorm damage. These were called, appropriately enough, “crop-hail policies.” They still exist, and have become regulated by each state’s governmental insurance department.
In 1981, the Federal government began offering a regulated “multi-peril” crop insurance. As you’d imagine from the name, this protects against a wide variety of natural disasters (fire, flood, drought, freeze, etc.). It also protects against possible revenue loss in case of price decline. This insurance is, of course, also regulated, and sold by private-sector crop insurance companies and agents.
Premiums are regulated and established by the Federal Crop Insurance Corporation, giving you the peace of mind knowing your cost is constant. We have extensive experience with crop insurance, and look forward to helping you make sure you’ll always be able to put food on your family’s table even if weather brings damage to your crops.
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