Enhanced Coverage Option can help increase your revenue guarantee to enhance your profitability. Our team of dedicated crop insurance agents have the specialized tools to help you determine what programs best fit your operation.

Questions about your prices and yields? 

The YP and APH policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease. You select the amount of average yield you wish to insure, from 50-75 percent (80% and 85% are also available on some crops in limited areas), and the percent of the price you want to insure (between 55 and 100 percent).

Depending on where you farm, the YP or APH plans may be available on Barley, Canola/Rapeseed, Corn, Dry Beans, Forage Production, Grain Sorghum, Hybrid Seed Corn, Millet, Oats, Popcorn, Rye, Soybeans, Sugar beets, Sunflowers, and Wheat. The primary difference between YP and APH is how the price is determined. Crops insured through YP have a price set through a commodity exchange price provision. The APH plan is available for crops that do not have prices set by a commodity exchange. The price for APH is set by the Loss Control Agency (RMA).

Losses occur when the harvest yield is less than the yield insured due to a covered peril. Late planting, prevented planting, and replanting protection is part of the policy.

The RP plan gives you all the coverage of YP and APH, plus protection against loss of revenue caused by yield and/or market fluctuations. It allows you to “lock in” your guarantee at a predetermined price.

Depending on where you farm, the RP plan may be available on Barley, Canola/Rapeseed, Corn, Grain Sorghum, Popcorn, Soybeans, Sunflowers, and Wheat. Prevented planting and replanting protection is part of the policy. RP can also be purchased with the Harvest Price Exclusion.

The RP plan gives you all the coverage of YP and APH, plus protection against loss of revenue caused by yield and/or market fluctuations. It allows you to “lock in” your guarantee at a predetermined price.

Depending on where you farm, the RP plan may be available on Barley, Canola/Rapeseed, Corn, Grain Sorghum, Popcorn, Soybeans, Sunflowers, and Wheat. Prevented planting and replanting protection is part of the policy. RP can also be purchased with the Harvest Price Exclusion.

AYP is a county-based insurance policy that pays the producer in the event the county yield falls below the trigger yield selected by the producer. Since losses are not paid based on the producer’s individual yield performance, AYP is intended for those growers who have a yield that corresponds with the county yield. The Federal Crop Insurance Corporation (FCIC) will issue the payment yield in the calendar year following the crop year insured.

Crop Hail insurance provides the grower protection against yield reduction caused by hail and/or fire. Some policies may also pay for fire department service charges, damage during transit and replant costs. Deductible options allow you to insure up to the full value of the crop.

The Production Hail crop hail policy may be an efficient alternative to more traditional hail insurance plans.

Companion Hail coverage is also available to insure the portion of the crop not covered under federal crop insurance policies such as Yield Protection or Revenue Protection. The Accel Group writes with several insurance companies to offer you competitive crop hail plans and rates.

To take the next step in protecting your livelihood, contact us today.