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Crop Insurance - Product Overview

Overview | Individual Protection Plans | County Protection Plans

There are several risk protection plans a producer can select in order to protect yields and profits. Each operation is unique. Different farms could have different cash flow situations, production capabilities, amount of land, cropping techniques, and crop uses, to name a few. And certainly different producers have their own level of risk adversity, marketing knowledge, and financial picture. Sandrock/Mickley Insurance works to prescribe the perfect insurance plan for your farm by understanding your needs!

Below you shall find a description of each product complete with examples. To get a complete understanding of these products be sure to contact us. These products have been split into two groups: Individual Protection Plans (CRC, RA, IP, MPCI) and the County Protection Plans (GRP, GRIP).

Individual Protection Plans build guarantees from what your actual production history has been from your operation. These products guarantee a certain amount of bushels and/or revenue, which provide a bottom-line income guarantee for operating loans, and security to your pre-harvest marketing plans. There are also provisions for grain quality and replanting.

County Protection Plans are strictly based on county performance. It is possible to suffer a loss on your operation due to isolated perils (wind, hail), excess moisture, variable soil types, insect infestation, disease, etc. However, if county production does not fall below trigger levels, you will not receive a payment. Conversely, your revenue might be higher than the average of the county, and you still may collect from these products. There is considerably less documentation with these products. Also there is not a need for adjustment or unit separation.

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