Wheat in a field blowing in the wind.
Crop Insurance Plan Comparison Guide

Selecting the right risk management tool is crucial to an operation's success. The Crop Insurance Plan Comparison Guide features a list of the major MPCI plans of coverage. Please contact an ARMtech agent for a complete description of coverages, terms, and conditions available.

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Freshly harvested corn.
Common Crop Insurance Policy (CCIP)

CCIP aims to provide a clear understanding of the crop insurance product by offering simple, versatile choices. Three plans are available under CCIP: Yield Protection, Revenue Protection, and Revenue Protection with Harvest Price Exclusion.

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Young tomatoes – both red and green - on the vine.
Area Risk Protection Insurance (ARPI)

ARPI functions similarly to CCIP, but coverage is based on the experience of an area instead of the individual policyholder’s experience. Three plans are available under ARPI: Area Yield Protection, Area Revenue Protection, and Area Revenue Protection with Harvest Price Exclusion.

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Young plant in a dry field after it’s been exposed to a natural disaster.
Actual Production History (APH)

The oldest insurance product offered by ARMtech. Like the CCIP’s Yield Protection, the APH plan protects against a loss in yield due to most natural disasters, such as drought, frost, wind, flood, insects, and disease.

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Fresh strawberries after they’ve been harvested.
Actual Revenue History (ARH)

The ARH plan protects against a loss of revenue caused by natural disasters or an inadequate market price, similarly to the CCIP’s Revenue Protection plans. This plan is currently available only for cherries, strawberries, and citrus fruit.

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Upland cotton with large boles as it’s nearly time for harvest.
Stacked Income Protection (STAX)

Introduced in the 2014 Farm Bill, STAX is a product for upland cotton. It provides protection against naturally occurring events which cause county revenue to fall below a designated amount.

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Ears of corn laid side-by-side after they’ve been shucked.
Supplemental Coverage Option (SCO)

The SCO endorsement was introduced as part of the 2014 Farm Bill. This product protects against county-wide yield or revenue loss by covering a portion of the underlying CCIP plan’s deductible.

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Young green soybeans after harvest.
Margin Protection (MP)

If the county’s average profit margin is lower than expected due to a decrease in revenue and/or an increase in input costs, the Margin Protection plan protects the policyholder from the resulting shortfall. Since the plan is area-based, the policyholder's experience is not taken into account.

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Bred Angus heifers in a green pasture with trees behind them.
Livestock

ARMtech provides coverage for livestock producers by offering two plans. Livestock Risk Protection (LRP) guards against a drop in prices before livestock reaches market, while Livestock Gross Margin (LGM) protects against a loss of gross margin on feeder cattle.

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Hay bales after they’ve been harvested in a green pasture.
Pasture, Rangeland, and Forage (PRF)

The PRF plan protects against drought for farmers and ranchers who rely on pasture, rangeland, and/or forage for haying and grazing.

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A field of barley blowing in the wind.
Annual Forage (AF)

The Annual Forage plan provides drought coverage for acreage planted each year and grown for grazing, haying, or silage. All acreage must be insured before the program may be applied.

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A bee after landing on a flower to gather pollen.
Apiculture

The United States currently produces about 163 million pounds of honey each year. The Apiculture plan protects against a decrease in plant growth and vigor, which are correlated with honey production.

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A greenhouse full of young flowers in red, pink, and purple.
Nursery

A plan for nursery plants grown in the field or in containers. Only crops on the RMA’s Eligible Plant List are insurable under this plan, and at least 50% of the nursery’s income must be derived from the wholesale marketing of plants.

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A bin full of white and yellow onions.
Whole Farm Revenue Protection (WFRP)

WFRP allows producers to cover their entire farming operation with a single insurance product, eliminating the need to take out separate policies for each individual commodity.

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