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Crop Insurance Plan Comparison
CAT - Catastrophic
MPCI - Multi Peril Crop Insurance
CRC - Crop Revenue Coverage
RA - Revenue Assurance
Crop Hail

CAT - Catastrophic
This product is the minimum level of coverage using 50% of APH and 55% of the price. The cost is $100 per county per crop. This product is used when meeting minimal insurance requirements for government programs or when the producer self insures most of the production risk.

MPCI - Multi Peril
Also known as APH or traditional product. The insurance coverage levels range from 50-75% in 5% increments. Some crops have up to 85% coverage available. The price of coverage per bushel is determined prior to sales closing. Indemnity payments happen when the harvested yield is less than your APH multiplied by your coverage level. This product is best used when covering a minimum value of yield with a fixed price. Prices per acre are quoted in the spring. Basic and optional units are available.

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IP - Income Protection
Income protection started as a pilot product in 1996 and is not available for all crops. Coverage levels range from 50-85%. Only Enterprise units are available for IP. The price is determined by the average of the new crop futures price in the spring to determine the spring price. Indemnity payments happen when the Spring income formula (APH x coverage level x spring price) is less than the harvest income (final yield x harvest price) The average price of the new crop future is used during harvest as stated in the actuarial to determine the harvest price. A short coming of IP is that if the harvest prices are higher than spring prices, indemnity will less than other crop insurance products.

CRC - Crop Revenue Coverage
Crop Revenue Coverage was developed by American Agrisurance but is now owned by RMA. Coverage levels range from 50-85%. Basic, Optional, and Enterprise units are available for CRC. Similar to IP, the price is determined by the average of the new crop futures price in the spring to determine the spring price. Indemnity payments happen one of two ways. If the spring price is higher than the harvest price, indemnity is paid when the Spring revenue formula (APH x coverage level x spring price) is greater than the harvest revenue (final yield x harvest price). When the harvest price is greater than the spring price, an indemnity is paid using the following formula: (APH x coverage level x harvest price)-(final yield x harvest price). The average price of the new crop future is used during harvest as stated in the actuarial to determine the harvest price. There is a maximum movement up or down from the spring price to determine the harvest price.

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RA - Revenue Assurance
Revenue Assurance was developed by American Farm Bureau. The two forms of this policy are with or without Fall Harvest Price Option. Basic, Optional, Enterprise and Whole Farm units are available for each policy. There are no price maximums or minimums to calculate the fall harvest price. Written agreements are not available on RA.

RA without Fall Harvest Price Option indemnities are very similar to the IP policy. RA with Fall Harvest Price Option indemnities are very similar to the CRC policy.

Crop Hail
Crop Hail coverage is written in dollars per acre. This dollar amount is expressed in the event of a total loss. There are various policies with different deductibles. There are maximum dollar amounts per acre one can buy. There is also a policies offered that are called Companion. This type of policy is intended to complement your MPCI by covering the top portion of the crop. To view how different policies pay indemnities click here.

Rural Community Insurance Services® is a managing general agency representing several risk-bearing insurance companies.

The United States Department of Agriculture (USDA) prohibits discrimination in all of its programs and activities on the basis of race, color, national origin, sex, religion, age, disability, political beliefs, sexual orientation, and marital or family status.

To file a complaint of discrimination, call (202) 720-5964.

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Minnesota: 601 Soo Lane, Suite 102, Buffalo, MN 55313 • Toll Free: 866-304-CROP (2767)
South Dakota: 817 Maple St. SE, Watertown, SD 57201 • Toll Free: 800-772-2256 (SD Only)
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© 2010 Crop Revenue Management, Inc. Crop Revenue Management, Inc. is an equal opportunity provider.
The U.S. Department of Agriculture (USDA) and Crop Revenue Management, Inc. prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs). Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at (202) 720-2600 (Voice and TDD).

To file a complaint of discrimination, write to USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W. Washington, DC 20250-9410, or call (800) 795-3272 (voice) or (202) 720-6382 (TDD). USDA is an equal opportunity provider and employer.