Crop & Hail Insurance
Full-time, dedicated risk management specialists help you minimize risks
Watch the 2023 Crop Insurance Update meeting.
Multi-Peril Crop Insurance
Natural causes covered under multi-peril crop insurance include drought, excessive moisture, hail, wind, frost, insects and disease.
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Yield Protection (YP) and Actual Production History (APH)
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Revenue Protection (RP)
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Revenue Protection with Harvest Price Exclusion (RP-HPE)
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Rainfall Index for Pasture, Rangeland, Forage & Apiculture (PRF)
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Area Revenue Protection (ARP)
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Area Yield Protection (AYP)
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Whole Farm Revenue Protection (WFRP)
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Margin Protection (MP)
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Crop Hail Insurance
- Covers yield reduction caused by hail, fire, vandalism and transportation while crop is in the field or transported to the first place of storage
- Additional optional endorsements available
FCS Financial is an equal opportunity provider
Livestock Insurance
Minimize the effect of adverse market prices on traditional livestock
Livestock Risk Protection Insurance (LRP)
- Insures against declining market prices for swine, feeder cattle and fed cattle
- Variety of coverage levels and coverage periods to correspond with the time the livestock would be marketed
- Offered by USDA Risk Management Agency
- Feeder cattle and swine types allow livestock to be insured before birth
- Premium is due when the endorsement expires
Livestock Gross Margin (LGM)
- Cattle Producers: Protects against loss of gross margin between the market value of cattle and feed costs
- Swine Producers: Protects the gross margin between the value of insured hogs and the cost of corn and soybean meal and covers a decline in hog prices and/or increase in feed cost
- Dairy Producers: Provides protection against the loss of gross margin between market value of milk from dairy cows and feed costs
Dairy Revenue Protections (DRP)
- Revenue-based coverage protecting against unexpected declines in quarterly milk revenue from milk sales as a result of a decline in milk prices, milk production or a combination of both.
Rainfall Index for Pasture, Rangeland, Forage & Apiculture (PRF)
- Insures for a single peril — lack of precipitation
- Payments calculated on the deviation from normal precipitation interpolated to the grid and index interval(s) selected
FCS Financial is an equal opportunity provider.
Life & Disability Insurance
Plan for the continuity of your operations
Term Life Insurance
- Competitively priced level term life coverage available through multiple companies
- Terms up to 30 years
- Access to medical history may be required
Disability Insurance
- Payment protection plan for your loan payments and support of your monthly income
- Available through First Resource Group
- Designed specifically for farmers and ranchers
Insurance resources and companies used by FCS Financial include Banner Life, First Resource Group, Genworth Life and Annuity Insurance Company (GLAIC), Illinois Mutual, ING ReliaStar Life Insurance Company of New York, Minnesota Life, Old Mutual Life Insurance Company (OM Financial) and Prudential Financial.
