Private Crop Insurance Add-Ons

PRIVATE INSURANCE PRODUCTS

Add Protection That Works Hard for Your Operation

Private insurance products are a powerful way to fill coverage gaps in your risk management plan. These add-ons supplement your federal multi-peril crop insurance (MPCI), giving you greater flexibility and deeper protection where you need it most. At Compeer Financial, our crop insurance officers will help you evaluate and customize options to build coverage that fits your acres, margins and marketing strategy.

Crop Hail Insurance

• Protects against localized hail damage
  
  
• Acre-by-acre coverage with flexible options for deductible and endorsement options, including wind, green snap, extra harvest expense and canning reject
  
  
• Often includes added protection for fire, lightning, theft and vandalism
  
  
• Available as a stand-alone policy or to supplement your federal coverage
  
  
• Can be purchased anytime before a hail event – some options allow immediate or near-immediate coverage

Replant Coverage

• Covers replanting costs beyond standard MPCI protection
  
  
• Pays from the first acre – no 20-acre or 20% unit requirement
  
  
• Helps offset seed, fuel and chemical costs after early-season losses

Wind Coverages for Corn

• Wind covers loss of yield from unrecoverable ears
  
  
• Greensnap protects against loss of yield from snapped stalks
  
  
• Extra Harvest Expense helps offset fuel and other costs when windstorms impact harvest

ECO (Enhanced Coverage Option) Offsets

• Extends your underlying ECO policy with added, farm-level protection up to 95%
  
  
• Covers individual losses that may not trigger under county-based ECO
  
  
• An indemnity from individual coverage is offset by underlying ECO policy if both are triggered
  
  
• Ideal for producers looking to close the gap between expected and insured revenue

Forage Production Insurance

• Protects established stands of alfalfa, alfalfa/grass mixtures or red clover
  
  
• Covers yield losses from weather, winter kill, wildlife, fire, disease and insects
  
  
• Tailored for forage and hay producers

RPowerD

• Supplements your RP policy with higher revenue and bushel triggers
  
  
• Helps lock in stronger revenue coverage against market or yield volatility
  
  
• Ideal for more aggressive risk management strategies

MPowerD

• Enhances your underlying Margin Protection policy
  
  
• Aligns margin coverage with your specific marketing and risk strategies
  
  
• Ideal for producers looking to personalize margin-level coverage