About Us

Starting in the business in 1992, we deal exclusively with crop insurance products throughout the State of Ohio, and NW Pennsylvania. We also own and operate a beef/grain farm in southern Carroll County, Ohio – to you, that means we can communicate!

We suffer or benefit from the same growing seasons and the same volatile markets as everyone. This gives us a thorough understanding and perspective of what the various coverage plans can do for you, and importantly, how the costs/benefits relate to you. We pride ourselves on keeping our insureds informed with timely and commonsense explanations of their coverage options. Everyone’s operation is different, and it takes a special combination of talents to match the available plans and unit structures to your needs. Crop insurance is a necessary tool, but it is a complicated product to properly service. Samples of our efforts are available in the following pages. Contact us for a phone discussion or to set up an on farm visit.

If you already have coverage with us, you can review and in some cases, update your coverage directly through the company links at the right – note that while all companies offer the exact same federal products at the same prices and rules, they all administer the process differently. Access to your policy documents and coverage varies from company to company.

Times, they are a changing – politics, the “Big Beautiful Bill (BBB)”, and other implications on your choices

Crop Insurance Coverage options – we offer and sell anything out there – both subsidized federal products and add-on private options offered by the various companies selling crop insurance. We have been the “business” for over thirty years, and have transitioned from 65 -70% yield only coverage, and lot of $50 CAT policies – purchased by nearly everyone at the time - just to stay in compliance with FSA during the early 1990’s. More recently, by far, the favored choices have been the federal Revenue Protection polices 75% -85% range – these revenue policies (RP) provide a base bushel pricing (from the average daily close of Feb. CBOT contracts ). Revenue coverage, adjusts for harvest prices in the fall – basically, changing your coverage by automatically adjusting for more of the cheaper bushels needed to meet your guaranteed dollars -or automatically increasing your dollar guarantee if the harvest prices are higher than the Feb. base prices (no change in premium). Another major evolution has been using Enterprise Unit (EU) structure – for years, the mantra was to split things out as much as possible – Optional Units (OU) - where you still had to insure all the acres of the crop within a county, but you could have a claim on just one or more individual farms or tracts of land. The “straight” answer is that a great concept, but ,,,, tougher to administer to avoid fraud and abuse. The concept of EU evolved in more recent years, lumping all the acres of the crop into one basic unit / guarantee, but with the back-ground policy changes that allowed for significant premium reductions for making that election. It’s been our experience that the current EU choice has been a great option for the insureds and for the integrity of the program – minimizing fraud chances (?) and simplifying the whole loss process. It’s been great trade-off for the premium savings – generally allowing you to elect higher levels of coverage, for the same premium dollars.

And now, for 2026 another shift is in the works – incorporated into the BBB, there are significant changes and options available – and truthfully, the details are still being examined. The bushel-price discovery period takes place during the full month of February 2026– averaging the daily close of the fall CBOT contracts (using Nov beans - Dec corn). The significant change part is the increased subsidy for “Add-On Options” – namely Supplemental Coverage Option (SCO), Enhanced Coverage Option (ECO), and Margin Coverage Option (MCO) - what is currently envisioned is some combination of maybe using slightly lower MPCI coverage levels and then adding some of these highly subsidized add-ons. . . . . Specifics of each of these options follows – and of course, they are all subject to the price discovery process for the 2026 crops.

FLYERS: We’re going to attach the promotional flyers the companies have provided on the add-on products, in the next few pages. “The plan” is to provide far more details and advice as we progress through Jan – Feb of this year – heading towards the March 15 sales closing date.

ECO/MCO/SCO Coverage Comparison