Enhanced Coverage Option (ECO)

A tool that could change the future of farming.

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.

About Enhanced Coverage Option (ECO)

New for crop year 2021, there are subsidized 95% coverage options! Enhanced Coverage Option (ECO) is a subsidized county-based crop insurance plan that allows producers to increase their crop insurance coverage up to 90 or 95%. This program uses the same spring and fall prices as well as expected and final county yields as SCO, however it does not require the producer to have elected Price Loss Coverage (PLC) through the Farm Service Agency (FSA) office to qualify.

When we correlate our clients with the counties they farm in we can see that for most, ECO provides an opportunity for farmers to get excellent coverage. Furthermore, the coverage provided is based on the operations Actual Production History (APH) and revenue guarantee even though the policy triggers a claim based on the county. This allows producers to be rewarded for having high APHs and consistent yields while still being able to participate in county level revenue and yield fluctuations.

ECO follows the same type of policy coverage (yield or revenue) as a producer’s underlying multiperil coverage. For example, if a farmer elects to take a 75% revenue protection then the ECO policy will also provide revenue protection for the farmer.

The current subsidy rate for an ECO revenue protection plan is 44% while an ECO yield protection plan is 51%.

If you elect MP, ARPI, or HIP-WI, you cannot have an ECO policy.

For more information, please contact The Accel Group and talk to one of our knowledgeable advisors.