February 2016 - Ag

FEBRUARY 2016 • VOL. 49, NO. 1
Inform. Educate. Share.
A motto to live by.
Revisting the Essential Strengths
of Crop Insurance
PUBLICATION OF NATIONAL CROP INSURANCE SERVICES®
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TODAY PRESIDENT’SMESSAGE
Laurie Langstraat, Editor
Ashley Craft, Assistant Editor
Consider the
Following
TODAY® IS PROVIDED AS A SERVICE OF
NATIONAL CROP INSURANCE SERVICES®
TO EDUCATE READERS ABOUT THE RISK
MANAGEMENT TOOLS PRODUCERS USE
TO PROTECT THEMSELVES FROM
THE RISKS ASSOCIATED WITH
PRODUCTION AGRICULTURE.
TODAY is published quarterly–February, May,
August, and November by
National Crop Insurance Services
8900 Indian Creek Parkway, Suite 600
Overland Park, Kansas 66210
www.ag-risk.org
If you move, or if your address is incorrect, please
send old address label clipped from recent issue
along with your new or corrected address to
Donna Bryan, at the above address.
NCIS® EXECUTIVE COMMITTEE
Tim Weber, Chairman
Mike Day, Vice Chairman
Jim Korin, Second Vice Chairman
NCIS® MANAGEMENT
Thomas P. Zacharias, President
Charles Lee, General Counsel
James M. Crist, CFO/COO
Sherri Scharff, Executive
Vice President and Chief of Staff
Troy Brady, Senior Vice President
Frank Schnapp, Senior Vice President
Creative Layout and Design
by Graphic Arts of Topeka, Inc., Kansas
Printed on recycled paper.
Tom Zacharias, NCIS President
It was two years ago that the 2014 Farm Bill
was being signed and the discussion and effort
of the crop insurance industry was focused upon
implementation of the new legislation. As we begin 2016—the second year under the 2014 Bill—
we can consider the recent past and consider the
path(s) before us. A great deal has transpired since
February of 2014, and upon reflection, the closing months of 2015—characterized by changes in
the marketplace, the Bipartisan Budget Act and
the Highway and Transportation Funding Act.
All of this should give us more than a pause for
reflection and consideration for what lay ahead.
So considering all of the above, please consider
the following...
Consider the Context... (starting with first principles)
In my mind, agriculture is the fundamental industry of any economy or society. Economies
and societies languish without an adequate and affordable food supply. There is a public benefit
and public interest in a financially stable and sound agricultural sector. Given this, it can be
argued that the public benefit from an adequate and affordable food supply warrants public
involvement and public investment. One element of this public investment would be the institutional infrastructure required to provide a safety net to ensure that the nation’s agricultural
sector is financially viable.
Over time crop insurance has become the primary component of the U.S. farm safety net.
Why is this the case; how has this happened? Well consider this....the structure of the farm
safety net that garners public support should be characterized by a set of attributes that contribute to good public policy. First, those protected by the safety net—the nation’s farmers—should
contribute to the financing of the safety net, and should only be indemnified in the case of an
actual financial loss to their farming operation. This is the case for crop insurance in the U.S. In
aggregate, farmers annually pay approximately $4 billion in crop insurance premiums and they
do not receive an insurance indemnity unless they have sustained a verified loss on their crop.
In addition, by virtue of the fact that the U.S. farm safety net is a risk management-based
insurance system, the cost of the safety net can be managed and measured ex ante, that is, before
the event—or prospectively. This is in sharp contrast to ad hoc agricultural disaster bills of the
past. Farmers know the cost of their insurance and how much financial protection they have in
place. Agricultural lenders also know the level of protection and are in a better position to effectively finance the farm community. Lastly, the U.S. taxpayer has assurance as to the long term
certainty of the cost of the farm safety net. Those within government, including the Administration and both Houses of Congress, can know year in and year out that a reliable safety net is
Printed with Environmentally
friendly vegetable oil based inks.
Continued on page 30
CROPINSURANCE TODAY®
1
VOL. 49, NO. 1
FEBRUARY 2016
Table of Contents
1 Consider the Following
4 Inform. Educate. Share. A motto to live by.
4
16 Revisiting the Essential Strengths of Crop Insurance
24 Crop Insurance In Action
Greg Wegis, Bakersfield, California
27 Mike Sieben Retires
36 Insurable Crops
16
••••••••••••••• Visit •••••••••••••••
www.cropinsuranceinamerica.org
27
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for their own business use and solely to employees, adjusters or agents who are under contract with them, and as a
condition to receiving such copies, such employees, adjusters and agents agree that they will not reprint, copy or
distribute, or permit use of any such NCIS copyrighted material to or by any other person and/or company, or transform
into another work such NCIS copyrighted material, without prior written permission of NCIS.
© 2015 National Crop Insurance Services, Inc.
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Pasture, Rangeland, Forage (PRF)
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To learn more about how ProAg can help you deliver timely and
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Come experience the ProAg difference today.
The insurance products listed may be subject to availability and qualifications. Price Flex™ and Price Area
Revenue™ are trademarks of Watts & Associates. ProAg® is a wholly owned subsidiary of HCC Insurance Holdings.
ProAg is an equal opportunity provider. ©2015 ProAg. All Rights Reserved.
CropInsurance TODAY
Inform. Educate. Share.
A motto to live by.
By Ashley Craft and Laurie Langstraat, NCIS
After a whirlwind year of Farm Bill implementation in 2014, the industry was looking
forward to a quieter 2015. A year where we
could maybe catch our breath and regroup
after endless meetings and conference calls,
and hours spent sorting through new policy
language and procedural changes. While that
may have been our hope, and to a certain
extent things slowed down a little, 2015 was
still a busy and very productive year for NCIS
and our members. Farm Bill implementation
continued with the introduction of the Whole
Farm Revenue Protection policy, Margin Protection Plan of Insurance, Hybrid Seed Rice
Insurance program, Sprinkler Irrigated Rice
Endorsement, and several other modifications to current programs and policies.
The industry saw how policyholders
would react to the many new options made
possible through the Farm Bill, like STAX,
SCO, Yield Exclusion and others. California
and the Northwest experienced yet another
year of severe drought as farmers again prayed
for a large snowpack and beneficial rains, but
instead were forced to leave more land fallow
and dig up older orchards they could no longer support due to lack of water.
In October, crop insurance again faced
scrutiny when critics called for an additional
$3 billion reduction to the 17 Approved Insurance Providers (AIPs) potential profitability. Thankfully, through a lot of hard work by
NCIS and the other Washington, D.C. trade
associations, commodity groups, and most
4
FEBRUARY2016
importantly, several Members of Congress,
the cuts were later reversed and crop insurance continues to be the centerpiece of the
safety net for U.S. farmers and ranchers.
As the nation’s largest crop insurance trade
association, NCIS is the nexus of industry
services, education, outreach and public education. To promote industry efforts and to
ensure that our members are successful, NCIS
conducts a wide array of meetings, presentations, seminars and outreach projects so that
the technical aspects of crop insurance are
fully understood within the industry; that
farmers fully understand crop insurance as
a risk management tool; that the public understands the necessary role crop insurance
plays in the stability of the food supply; and,
VisitWebsite
ag-risk.org
that the partnership built between the crop
insurance industry and key Federal agencies
remains productive and effective.
While we don’t know if Mother Nature
will be kind to us or not in 2016, or what
may happen in Congress during an appropriations bill, or what our critics may say
about the industry, NCIS and its members
will work diligently to provide quality risk
management tools for America’s farmers and
ranchers. We will also continue to inform, educate and share with others the importance of
crop insurance.
NCIS Risk Management
Education
Working at times in partnership with the
NCIS Senior Policy and Procedure Leader, Chris Lindsay, and NCIS Crop Insurance
Specialist, Mark Flohr, prepare to go over Crop Insurance Handbook updates at the Fall
Train-the-Trainer Conference.
Tim Hoffman, RMA, gives the spring NCIS
Train-the-Trainer audience an RMA update.
Risk Management Agency (RMA) and at
times on its own, NCIS conducted seminars
or developed tools on risk management for
limited resource and socially disadvantaged
farmers and others interested in better managing risk. The hope is that helping farmers
develop better risk management plans will
ensure their long-term viability.
•Risk Management Workshop: NCIS
partnered with the University of Rhode
Island (URI) Cooperative Extension to
organize a workshop on business planning
and risk management for small and beginning farmers on January 14. More than 40
producers attended this day‐long training
session where the focus was on helping
inexperienced agricultural producers integrate risk management and marketing
strategies into their business planning. Dr.
Laurence Crane helped lead the group and
provided an overview of risk identification, assessment and treatment. He also
educated attendees about crop insurance
products available in their region. •Extension Risk Management Education
National Conference: A national conference was held to bring together private
and public sector educators, crop insurance agents, lenders, and other agricultural professionals. The Extension Risk Management Education National Conference
allows this diverse group to share ongoing
and emerging successful risk management
education efforts which target agricultural
producers and their families. Dr. Laurence
Crane, gave a presentation describing
some of the recent outreach efforts NCIS
has conducted to help limited resource
and socially disadvantaged farmers develop personal risk management plans.
•Risk Management Workshop—Mississippi: NCIS partnered with extension educators at Alcorn State University to teach a
series of risk management planning workshops for limited resource and socially
disadvantaged farmers in the Strike Force
counties of Mississippi. The objective was
to help farmers and ranchers understand
their risk exposure and develop marketing
plans for their farms. This training consists of a series of three workshops and 60
hours of individualized instruction. NCIS
conducted the first of the three workshops
in Raymond on November 12. During this
workshop, participants were introduced
to basic risk management and marketing
principles. They were also taught how to
evaluate marketing risk exposure, define
their target market, and identify customer
characteristics and preferences.
NCIS Meetings,
Conferences,
Presentations, and
Sessions
Throughout the year, NCIS conducts and
participates in a wide variety of meetings,
conferences, presentations and sessions which
focus on industry practices, updating manuals and procedures, policy changes, learning
new technologies and methodologies and recommendations for the future as well as maintaining good lines of communication with the
USDA and RMA.
•Regional/State Annual Meetings: NCIS
has 18 regional/state committees comprised of company employees who are regularly involved in the implementation and
use of both Crop-Hail and MPCI policies
and procedures. The 18 committees meet
annually to provide recommendations to
the various NCIS standing committees for
changes or improvements to policy and
loss procedures, as well as recommendations for regional agronomic research
projects.
•2015 NCIS National Claims Managers Conference: More than 175 claims
and compliance managers, along with
company training staff, met to discuss
the latest crop insurance loss adjustment
and compliance changes at the 2015
National Claims Managers conference
held in Overland Park, Kansas, January
21‐22. The conference included training materials on Crop-Hail and MPCI
loss handbook changes, Loss Adjustment
Manual updates, cover crop rules and regulations, adjuster licensing, 2014 research
“In the wake of a devastating disaster, crop insurance offers a lifeline,” said Secretary of
Agriculture, Tom Vilsack, at the 2015 AIAG Congress. “It is one of the most important,
reliable, and cost-effective parts of the safety net here in the United States.”
CROPINSURANCE TODAY®
5
NCIS President Tom Zacharias participated in a panel discussion on “Possibilities to Secure the Food Supply” at the 2015 AIAG Congress.
results, MPCI actuarial filings, a Whole
Farm Revenue policy overview, and
Peanut Revenue coverage. Chris Daly,
Oregon State University, discussed the
PRISM climate and weather system and
Heather Manzano, Deputy Administrator, RMA, provided information regarding improper payments. A legal panel
also addressed issues pertaining to claim
situations and how to prepare files for
possible arbitration.
•2015 Crop Insurance Annual Convention: Traveling to Bonita Springs, Florida, February 8-11, NCIS co-sponsored
and participated in this year’s Crop Insurance Annual Convention. Attendance
records were broken as 443 attendees,
speakers, and guests took part. Speakers
included Brandon Willis, RMA Administrator; David Wasserman, The Cook
Political Report; and David Feherty, The
Golf Channel. Attendees were also able
to listen to two panels; one discussing
Crop Insurance Priorities and Outlook
for the Future, and the other discussing a
Farm Bill Update and Outlook. Six individuals from the crop insurance industry
were presented with awards: Outstanding
Service Award—Dean Benson; Industry
Leadership Award—Jeff Meyer; Lifetime
Achievement Awards—Richard Gibson, Bob Haney, Ben Latham, and Steve
Rutledge.
•Regional/State Committee Chairman
Training Held in Overland Park: The Regional/State Committee Chairman Training was held in Overland Park, March
24‐25. The chairmen meet each March to
participate in a two‐day training session to
learn about NCIS functions and prepare
them to conduct their committee meetings
efficiently and effectively. Phillip Hayes,
Tom Zacharias, Frank Schnapp, Troy Brady and Mike Sieben, NCIS, provided expertise and advice to some of Rain and Hail’s
new employees.
6
FEBRUARY2016
More than 100 adjusters and supervisors participated in a jam-packed two-day Crop-Hail and MPCI School in Grand Island, Nebraska.
North Bridge Communications, gave
advise on presentation preparation. Training also included discussion on anti‐trust
issues, NCIS by‐laws, the importance of
research, how to plan annual meetings/
schools, making recommendations and
website training. The chairmen also discussed issues that would impact crop insurance in their regions during 2015.
•NCIS Standing Committee Meetings
and Conference Calls: NCIS has seven
active standing committees that focus on
various topics and issues relating to MPCI
and Crop-Hail. The committees meet in
person one to two times a year and several hold either monthly or as-needed conference calls. NCIS standing committees
include: Training and Education, MPCI
Policy, Procedure and Loss Adjustment,
Crop-Hail Policy, Procedure and Loss Adjustment, Crop-Hail Actuarial and Statistics, MPCI Underwriting and Operations,
Communications and Outreach, and
Technology and Information Processing.
These committees are vital to the success
of the industry. They work closely with
RMA on many topics and seek resolution
on issues for the betterment of the farmer
and the industry.
•Chief Information Officer (CIO) Council Meets in Overland Park: On September 16, NCIS hosted a half‐day RMA‐led
CIO Council with Information Technology (IT) officers from each Approved Insur-
ance Provider (AIP) in attendance. This
session allowed the RMA and AIPs ways
to improve early information sharing and
planning; increase communication about
new technologies and how, or if, RMA
should employ them; ensure consistency
in data and systems security; and, determine non‐proprietary ‘global’ IT solutions. Several action items and key areas
of concern were documented during the
meeting. To avoid gaps in communication
or duplication of efforts the CIO Council
intends to coordinate future efforts with
the NCIS Technology and Information
Processing Committee and with RMA.
•33rd AIAG Congress Meets in Kansas
City: Crop insurance industry leaders
representing more than 30 nations gathered in Kansas City, Missouri, September
27-30, to discuss America’s farm policy
The overall objective of
this session is to provide
trainers with updated
technical information and
training materials needed
to prepare and conduct
their company training
for the 2016 crop year.
and learn how crop insurance can help
address the challenges facing the global
farming sector. The theme of the congress
was “Public‐Private Partnerships and New
Technologies to Secure Food Supply.”
AIAG President, Dr. Kurt Weinberger,
and NCIS President, Dr. Tom Zacharias,
along with the AIAG Board of Directors,
welcomed the group. USDA Agriculture
Secretary Tom Vilsack discussed the importance of the U.S. crop insurance program. The meeting concluded with a visit
to a neighboring Kansas farm where participants were able to learn firsthand about
the type of technology and farming practices utilized in the United States. Thank
you to all of the sponsors, including the
NCIS membership, and all of those who
attended the event for making the 33rd
AIAG Congress a great success.
•2016 Train-the-Trainer Spring Conference Held in Overland Park: Welcoming
290 people to the 2016 NCIS Train-theTrainer Spring Conference held in Overland Park, Kansas, AIP and RMA participants met on November 4-5. The national
conference is designed for company training personnel. The overall objective of this
session is to provide trainers with updated
technical information and training materials needed to prepare and conduct their
company training for the 2016 crop year.
Guest speakers included Dave Paul, Watts
and Associates, who presented Margin
CROPINSURANCE TODAY®
7
The second day of the Manhattan, Kansas, Adjuster School was spent outside in the field defining stages of crop growth, making
determinations of loss from simulated hail damage, and calculating MPCI production to count on crop plots.
Protection Insurance updates and Dennis Daggett, ProAg, who introduced participants to Sprinkler Irrigated Rice and
Hybrid Rice Seed. Various guest speakers
from RMA gave updates on PRF, Multiple
Benefits, STAX and WFRP. Additional
agenda items included General Standards,
Crop Insurance and Document and Supplemental Standards Handbooks, Actuarial, Crop-Hail, IT and policy updates for
the 2016 Reinsurance Year.
NCIS Welcomes Visitors
Each year NCIS receives requests from
government officials, university professors
and private insurance company representatives from all over the world to visit our
headquarters and learn more about the U.S.
crop insurance industry. NCIS is honored to
have guests from various backgrounds come
to our offices for such visits. Not only do we
hope to fully educate our visitors on U.S. crop
insurance, but we look forward to the newfound knowledge we gain from each of them
in return.
•National Postsecondary Agricultural Student (PAS) Organization Visits
NCIS: Student and advisor representatives
from the PAS Organization visited NCIS
in August. PAS is an organization associated with agribusiness, agronomy, animal
science, farm management, agricultural
technologies, horticulture, natural re8
FEBRUARY2016
sources, veterinary technicians and related agricultural offerings in two‐ or four‐
year institutions. PAS will host its national
conference in Kansas City, March 16‐19,
2016, where more than 600 participants,
who have earned their way through the
industry‐focused competitive events, will
gather together and compete at the national level. All of the participants are members of PAS and have been involved with
specific educational training related to the
agricultural industry as part of the college
curriculums.
•Argentina Delegation Visits NCIS: Creating stronger international connections,
a group of agricultural professionals from
Argentina visited NCIS on August 28.
Their goal in visiting NCIS was to learn
about general risk management policies
and procedures and the role that NCIS
plays in the crop insurance industry. The
group of professionals were hosted by the
University of Missouri and were sponsored by the Cochran Fellowship Program. The Cochran Fellowship Program
provides training opportunities to agricultural professionals from middle income
countries, as well as emerging markets and
democracies.
•Korean Delegation Visits NCIS: On
October 23, NCIS senior staff met with
a delegation from the Korean Insurance
Development Institute, the Agricultural
Policy Insurance and Financial Services,
and the NongHyup Property & Casualty
Insurance Co., Ltd. The primary focus of
the discussion was on the development of
loss adjustment procedures and the management of loss adjustment activities, including the hiring, training, and supervision of loss adjusters. The delegation also
expressed an interest in data reporting
procedures, ratemaking for geographic
areas with limited historical data, and the
long‐term financial performance of the
program.
•University of Nebraska-Lincoln (UNL)
Agribusiness and Ag Econ Club Visit:
Thirty members of UNL’s Agribusiness
and Ag Economics Club visited NCIS in
January to learn more about crop insurance, NCIS’ role within the industry and
available internship or career opportunities within the industry. In addition to
several members of the NCIS staff, Tim
Witt and Rodger Mathews from the RMA
participated in the session.
State Insurance
Department and
Regulatory Activities
•Final Average Loss Cost (FALC) Filings:
As a licensed advisory organization, NCIS
files Crop-Hail FALCs with state insurance departments on behalf of members.
These FALCs are used by the insurance
companies when determining their rates
of insurance for the crop year.
•NAIC Liaison: NCIS serves as a liaison
for its members with individual state insurance departments through active participation with the National Association
of Insurance Commissioners (NAIC).
Staff typically attends the NAIC meetings,
held three times throughout the year and
are active participants in the NAIC Crop
Insurance Working Group, which monitors the activities of the FCIC that affect
state insurance regulators and to serve as
a forum for discussing issues related to the
interaction of the Federal crop insurance
program with state insurance department
regulations.
Participation in
Professional Societies and
Other Conferences
NCIS staff regularly participates in various professional organizations throughout
the year, to not only build on their area of
expertise, but to continuously stay up-to-date
on the agriculture industry as a whole. Such
events also allow NCIS employees to educate
others on the importance and value of crop
insurance.
•2015 Ag Outlook Forum: NCIS employees Drs. Tom Zacharias, Keith Collins,
Laurence Crane and Harun Bulut attended the 2015 Agricultural Outlook Forum,
“Smart Agriculture in the 21st Century,”
held in Washington, D.C., February 1920. Since 1923, the USDA has hosted the
Agricultural Outlook Forum to provide
farmers and ranchers, government and
agribusinesses with sound information
for decision-making. Attendees included members of farm organizations, food
and fiber firms, academia, foreign governments, and the news media. The 2015
trade outlook was presented by then Acting Chief Economist, Robert Johansson.
•Casualty Actuarial Society Ratemaking and Product Management Seminar:
Frank Schnapp, Senior Vice President of
NCIS, attended a Casualty Actuarial seminar in Dallas, Texas, March 9-11. The first
day of the seminar focused on the use of
weather modeling and engineering risk
analysis for simulating loss experience
from severe weather events such as earth-
NCIS Vice President of
Program Outreach & Risk
Management Education, Dr.
Laurence Crane, participated
in a panel discussion with
University Presidents and
Deans while attending the
125th Anniversary of the 1890
Morrill Act.
quakes and hurricanes on an insurer’s
book of business. These types of analyses
have become more prevalent in recent
years for loss cost estimation, reinsurance
rating and risk assessment. The subsequent
days of the seminar focused on predictive
modeling, which has rapidly become the
dominant approach for refining company
rating structures for personal and commercial auto, homeowners, and other lines
of insurance with limited catastrophic risk
potential. •Minorities in Agriculture, Natural Resources and Related Sciences (MANRRS) Conference: NCIS participated in
the 30th Annual Career Fair and Training Conference of the Minorities in Agriculture, Natural Resources and Related
Sciences (MANRRS) in Houston, Texas,
March 27‐28. MANRRS is a non‐profit
organization that promotes and fosters
the inclusion of underrepresented minorities in agriculture, natural resources
and related disciplines. The conference
provided a forum for student and professional members from private industry,
government, and academia to interact and
promote scholarly excellence, professional development, networking, and career
placement. More than 850 individuals
participated in the conference. Dr. Laurence Crane, NCIS, represented the crop
insurance industry and discussed opportunities for MANRRS members to pursue
careers in the crop insurance industry.
•ABA Section of Antitrust Law Spring
Meeting in Washington D.C.: In April,
NCIS General Counsel, Chuck Lee, attended the annual spring meeting of the
ABA Section of Antitrust Law—the premier event of the year for antitrust professionals worldwide. The event drew nearly
3,000 people, including 600 government
enforcers and practitioners from 60 countries outside of the United States. Sessions
included “Agency Update with the Deputy
CROPINSURANCE TODAY®
9
Hail Insurance Corp., and Saskatchewan
Municipal Insurance. CCHA members are
also members of NCIS. NCIS President,
Tom Zacharias, attended the meeting and
discussed NCIS member services, as well
as an update of ongoing loss adjustment
research in Canada.
NCIS Adjuster Continuing
Education
Troy Brady, Dave Hall, Mike Sieben and Frank Schnapp met with a delegation from the
Korean Insurance Development Institute, the Agricultural Policy Insurance and Financial
Services, and the NongHyup Property & Casualty Insurance Co., Ltd this past October.
Assistant Attorneys General,” “Antitrust
Economic Concepts,” “Practical Issues for
Retention of Counsel” and a program on
current hot topics.
•2015 AgriBank Annual Meeting: NCIS
President, Tom Zacharias, provided an
industry update at the 2015 AgriBank
annual meeting in Louisville, Kentucky,
April 15. AgriBank is one of four banks
in the Farm Credit System, established in
1916 by Congress, which provides innovative financial products and services to
help farmers, ranchers and agribusinesses
succeed. AgriBank provides funding to
retail Farm Credit Associations that lend
to approximately 238,000 farmers, ranchers, agribusinesses and rural homeowners
through locally based Farm Credit Associations in 15 states.
•Crop Insurance Professionals Association (CIPA) Meeting: The CIPA Annual
Membership meeting was held May 4‐5 in
Kansas City, Missouri. CIPA is a national organization of crop insurance agents.
Monday morning included a reception
with U.S. Senator Jerry Moran (R‐KS).
10
FEBRUARY2016
Monday afternoon, NCIS President Tom
Zacharias provided an NCIS update. On
Tuesday, Jessica Trites-Rolle, Vice President of Data Quality and Systems Design,
presented and participated in a panel discussion on acreage reporting and farm
data. The meeting also included a roundtable discussion with RMA staff.
•67th Annual Farm Bureau Crop Conference: NCIS Senior Vice President Mike
Sieben attended the 67th Annual Farm
Bureau Crop Conference held in Hot
Springs, Arkansas, June 15‐16, to provide
an update of current activities at NCIS. Information provided to the group included:
Crop-Hail and MPCI premium and losses,
dates and locations of upcoming schools
and conferences, as well as an update on
NCIS standing committee activities.
•NCIS Attends Canadian Crop Hail Association (CCHA) Meeting: The CCHA
held its fall meeting in Regina, Saskatchewan, November 5. CCHA member companies included Canadian Hail Agencies,
Co‐Operative Hail Insurance Company,
Palliser Insurance Company, Rain and
NCIS conducts summer training schools
and field days as part of its continuing education mission for crop insurance adjusters.
Below is just a small sample of more than a
dozen schools held in 2015.
•Crop-Hail Policy & MPCI Canola &
Wheat School Stillwater, Oklahoma:
Starting off the summer, approximately 100 adjusters attended our first school
held at the Cimarron Valley Research Station near Perkins, Oklahoma. Classroom
sessions included training on both MPCI
and Crop-Hail appraisal methods for
canola and winter wheat. The session also
included a presentation by Josh Bushong,
Winter Canola Extension Specialist from
Oklahoma State University. NCIS filed for
continuing education credits with the state
of Oklahoma and more than 50 attendees signed up to receive hours for their
participation.
•Crop-Hail Wheat & Soybean School Columbia, Missouri: From classroom work
to field work, more than 90 attendees were
able to gain valuable hands-on knowledge needed for future appraisals. New
and experienced loss adjusters learned
basic Crop-Hail adjustment procedures,
worked through simulated hail losses on
test plots at the Bradford Research Center,
and received an update on recent loss adjustment changes in the classroom. Guest
speaker Dr. Bill Wiebold, University of
Missouri, presented on the soybean research that helped develop current soybean loss adjustment procedures. After
Dr. Wiebold’s presentation, guest speaker
and plot leader, Jim Baldwin, spoke to new
adjusters about the importance of doing
their homework before heading out to appraise a field.
•Crop-Hail Corn, Soybeans, Oats, &
MPCI Forage School Beresford, South
Dakota: The only 2015 NCIS adjust-
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In August, NCIS staff Laurie Langstraat and Sherri Scharff had the opportunity to visit with
several farmers out in California about their personal experiences with crop insurance.
Pictured is California farmer Steve Murray.
er school to cover forage was held at the
Southeast South Dakota Experiment Farm
with more than 70 participants in attendance. Adjusters were briefed on program
integrity and learned about various CropHail and MPCI loss adjustment procedures using hands-on training. The group
also rotated through each crop training
area while out in the field so they could
start applying their new-found knowledge. •Crop-Hail Corn, Soybeans, & Dry Beans
Lamberton, Minnesota: Towards the end
of July, NCIS held two separate schools in
Lamberton, Minnesota. More than 50 participants took part in the “new adjuster”
one-day event. The main emphasis of this
school was field instruction. Adjusters also
took part in staging and adjusting procedures for soybeans, corn and dry beans. Media Outreach and
Public Education
In one way or another, we are all impacted
by the success of agriculture throughout our
daily lives. Because of this, NCIS staff have
and will continue to reach out to the public
12
FEBRUARY2016
to inform and educate our nation of the benefits crop insurance can provide. Here are a
few of the ways NCIS accomplished this goal
in 2015.
•NCIS President Tom Zacharias Talks
Crop Insurance with Radio Stations:
In January, NCIS President Tom Zacharias sat down with Agri-Talk to discuss
the role of crop insurance and its “prominence in the 2014 Farm Bill.” Zacharias
noted the drastic changes crop insurance
has experienced over the last 15 years and
how it currently protects 294 million acres
throughout the U.S. In April, Zacharias
also had the opportunity to interview with
Dignity Farm Network based in southwestern Minnesota. With this interview,
Zacharias touched on the peace of mind
crop insurance can provide farmers when
natural disasters or economic downfalls
strike. In addition to these two interviews,
NCIS provided several other interviews to
radio stations across the country during
2015. NCIS spoke with some stations,
such as Agri-Talk, on several occasions
explaining the benefits of the industry.
•Amount of Crop Insurance Op-Eds
Double: In 2014, a total of nine crop insurance op-ed pieces were published in
various media outlets throughout the
U.S. Setting the goal higher in 2015,
NCIS reached out to even more farmers
to request and secure more op-ed pieces. With NCIS’ efforts, 25 crop insurance
op-ed pieces were featured in the press in
13 states. While each piece told a slightly
different story, the underlying message in
each remained the same: crop insurance is
a vital risk management tool for farmers
across the United States.
•National Association of Farm Broadcasting (NAFB) Convention: Being a
proud sponsor, NCIS participated in the
72nd annual NAFB Convention held in
Kansas City, Missouri, November 12‐13.
NCIS also participated in the convention’s
Trade Talk program, which provides attendees with an opportunity to interview
agricultural businesses and trade groups.
By the end of the day, NCIS president,
Tom Zacharias, provided more than 10 interviews about crop insurance to ag radio
broadcasters.
•Former USDA Chief Economist Discusses 40‐Year Career, Farm Policy in
New Videos: Dr. Keith Collins reflected
on his distinguished career and the future of farm policy in a series of videos
that can be found on the Crop Insurance
in America website under “Real Stories.” Keith recorded the three videos as
one of his last projects before he officially retired from NCIS on March 31. The
videos attest to his nearly 40 years of
farm policy experience, during which
time he was a witness at 80 congressional
hearings, received five Presidential Rank
Awards for Distinguished or Meritorious
Executive and was elected a fellow of the
Agricultural & Applied Economics Association. The first video is Keith’s testimonial, chronicling why Congress turned
to crop insurance as the foundation of
the farm safety net. The second video
tracks farm policy’s journey from complete government control to being more
market-oriented and driven by the private sector. Finally, Keith discusses why
affordability, availability and viability of
crop insurance are so crucial in the third
recording.
•NCIS Staff Visit California: In the beginning of August, NCIS staff Sherri Scharff
and Laurie Langstraat visited several
farmers in the Bakersfield, California, area
to hear what they are saying about the
importance of crop insurance. These interviews were videotaped and edited into
short pieces that are featured on the Crop
Insurance in America website under “Real
Stories.” The farmers NCIS visited grow
a variety of crops including table grapes,
citrus, almonds, pomegranates, pistachios and cherries. During the interviews,
each farmer stressed the importance of
an affordable crop insurance program to
protect what, for some, were fourth and
fifth generation farms. While in California, staff also visited with several member
company regional offices to discuss how
NCIS can better serve our members.
•Library of Congress Adds Crop Insurance Website to Historical Collection:
NCIS announced in September that its
Crop Insurance in America website has
been selected by the United States Library
of Congress (LOC) to be part of America’s
historic collection of Internet materials.
For nearly two decades, the LOC has catalogued digital materials spanning a variety
themes, events, and issue areas with the
purpose of capturing records of historic
significance that would otherwise be lost
because they were never printed on paper.
The NCIS website, www.CropInsuranceInAmerica.org, is now a part of the archived public policy records.
•‘Crop Insurance: Just the Facts’ Update
Released at Global Conference: As insurance leaders from more than 30 nations
gathered in Kansas City to discuss farm
policy and the challenges facing the global
agricultural sector, NCIS released an updated version of “Crop Insurance: Just the
Facts.” This resource has been one of the
most popular destinations on the Crop
Insurance in America website for years,
and it uses government data, academic research, and information from other trusted sources to answer common questions
about the U.S. crop insurance system.
•NCIS Outlines History of U.S. Farm Policy
for International Guests: During the AIAG
Congress, NCIS released a detailed explanation of the evolution of U.S. farm policy covering the past two centuries and crop insur-
NCIS staff volunteered at Harvesters Food Bank in Kansas City, Missouri this past October.
The team looks forward to working with the local food bank again in the spring.
ance’s recent rise to prominence. The paper
was included in NCIS’s quarterly magazine,
Crop Insurance TODAY® and was made
available to international agricultural leaders who traveled to the United States to discuss the policies and technologies that will
be needed to meet the challenges facing the
global farming community.
Community and National
Outreach
NCIS not only wants to see crop insurance and agriculture continue to make great
strides, but we also want to see our communities and our nation prosper as well. Because of
this, NCIS donates their time and resources to
help others in various ways.
•2015 Crop Insurance Annual Convention Collections: Each year the Crop
Insurance Annual Convention collects
donations for an agriculture related charity. In 2015, contributions were given to
Farm Rescue, an agricultural charity that
provides planting, harvesting and haying
assistance to farm families that have experienced a major illness, injury or natural disaster. Farm Rescue gives families
a chance to continue their livelihood by
providing the necessary equipment and
manpower to plant, harvest or hay their
CROPINSURANCE TODAY®
13
crop, free of charge, and has assisted more
than 290 farm families since its inception
in 2005. The 2015 Crop Insurance Convention raised more than $5,000 for Farm
Rescue. NCIS was honored to contribute
to such a worthy cause. Thank you to Rain
and Hail for your sponsorship and matching donation.
•1890 Scholarship Recipients: Annually
NCIS awards scholarships to two students
majoring in an agricultural discipline and
enrolled at an 1890 Land‐Grant University. This year’s recipients were Ms. Mar’Kayla Bethea, majoring in food science at Alabama A&M University; and Mr. Anon
Anderson, majoring in animal science at
Lincoln University in Missouri. Both students are in their junior year and will benefit from their NCIS scholarship for four
semesters as long as they continue to meet
the academic qualification requirements
and continue as a full-time student in
good standing at their respective university. The 1890 Land‐Grant institutions were
established under the Second Morrill Act
of 1890. The purpose of this scholarship
program is to enable deserving students
to further their education and to expose
them to the business of crop insurance. •NCIS Employees Volunteer Their Time:
The Harvesters’ mission is to feed hungry
people today and work to end hunger tomorrow. Harvesters is a certified member
of Feeding America, a nationwide network of more than 200 food banks. It was
named Feed America’s Food Bank of the
Year in 2011, recognized as a national role
model for using its community’s resources to feed the hungry as well as the food
industry’s highest food safety rating. This
regional food bank serves a 26‐county
area of northwestern Missouri and northeastern Kansas. In October, several NCIS
employees volunteered to help at the food
bank by loading non‐perishable groceries
in sacks to be distributed, and sorting and
repackaging carrots.
•NCIS Employees Help the Salvation
Army: The Salvation Army’s mission is
to feed, to clothe, to comfort and to care.
The Salvation Army in Kansas City, Kansas, includes a Corps Community Center
complete with a chapel, administrative
and emergency services, classrooms, and
a gymnasium. During the month of No14
FEBRUARY2016
vember, the Kansas City location held its
annual coat drive to help ensure community members stay warm this winter.
NCIS employees came together to donate
more than 30 coats for the Salvation Army.
Our employees also adopted a family and
donated gifts to their Adopt-A-Family
Program this past December. NCIS is extremely proud of how our team continues
to come together help give back to their
community.
Additional Activities
Whether NCIS is attending a conference
or serving as a sponsor, employees make the
most of their time learning from and educating others. Here are some of the additional
activities employees took part in during 2015.
•National Ag Day: In March, NCIS Vice
President of Public Relations, Laurie Langstraat, attended the 2015 National Ag Day
activities in Washington D.C. National Ag
Day is a day to recognize and celebrate the
abundance provided by agriculture. On
Tuesday, Agri‐Pulse Communications
sponsored a “Farm to Fork Politics” panel
discussion “unleashing innovation in agriculture.” Wednesday’s events included
an exhibit of photographs featuring women working in various agricultural roles
taken by Marji Guyler‐Alaniz, President
and Founder of FarmHer; a breakfast and
briefing on “Innovation and the Future of
Agriculture” sponsored by the National
Wheat Foundation; a luncheon hosted by
Orion Samuleson, featuring the Outstanding Young Farmer; and, a Google Hangout
hosted by Deputy Secretary Krysta Harden to celebrate women involved in farming and ranching.
•National Farm Business Management
Conference: NCIS participated as a sponsor at the National Farm Business Management Conference in Rochester, New
York, June 14-15. The conference brought
Whether NCIS is attending
a conference or serving
as a sponsor, employees
make the most of their
time learning from and
educating others.
together agricultural educators from across
the country to discuss contemporary issues
facing agricultural producers and to share
ideas and teaching techniques. Members
of National Association of Farm Business
Analysis Specialists and National Farm &
Ranch Business Management Education
Association attended the week‐long conference to improve their knowledge of current policy issues, risk management tools,
and to network with other educators and
vendors. Dr. Laurence Crane, NCIS, participated in the conference and represented
the crop insurance industry.
•125th Anniversary of the 1890 Morrill
Act Held in Washington D.C.: NCIS
participated in the 125th Anniversary
Celebration of the 1890 Morrill Act in
Washington, DC, July 14‐16. Laurence
Crane and Laurie Langstraat provided an
exhibit describing the outreach activities,
educational workshops, and scholarship
program NCIS has conducted in cooperation with the 1890 Universities over the
years. This exhibition occurred as part of
a reception for Congress at the Library of
Congress, demonstrating to the public,
politicians, decision‐makers, government
agencies, and private as well as philanthropic sectors why they should invest
in the 1890 institutions. Laurence also
participated in a panel discussion with
the University Presidents and Deans discussing our current programs and activities with the 1890 universities, the value
of these programs to the industry and to
agriculture in general, and opportunities
to enhance and expand these programs in
the future. NCIS also received a Champion Award for our contributions and support of the 1890 land‐grant universities.
•NCIS Participates in AAEA Meeting
Held in San Francisco: Drs. Tom Zacharias and Laurence Crane represented
NCIS at the 2015 Agricultural and Applied Economics Association (AAEA) and
Western Agricultural Economics Association (WAEA) joint annual meeting held in
San Francisco, California, July 26-28. Tom
participated in a session entitled, “Crop
Insurance: Challenges and Opportunities Facing the Industry,” while Laurence
made a presentation entitled, “Farm Bill
and Risk for Small Farm Agriculture.” The
AAEA is a forum for scholarly work in
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discovery to
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Discovery
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growers the opportunity to add months to their spring 2016 price
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March 2016. Sales closing dates are the 15th of the first month in the
modified AMP discovery period. AMP price discovery occurs during the
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agricultural economics. Over 1,000 agricultural and applied economists routinely
attend the annual meeting. Engaging academics in these meetings is essential to be
part of the conversation on crop insurance
and risk management related issues.
•Pennsylvania Crop Insurance Conference: NCIS participated in the 15th
Annual Pennsylvania Crop Insurance
Conference, August 27. The purpose of
the conference was to provide crop insurance agents and other allied professionals
with update information on the crop insurance program, agricultural policy and
risk management. Dr. Laurence Crane
represented NCIS and participated in the
discussions on risk management planning
and emerging trends in agriculture. •FFA Convention: NCIS is one of many
sponsors of the 2015 National FFA Convention that was held in Louisville, Kentucky, October 28‐31, with more than
64,000 students and advisers in attendance. NCIS staff member, Laurie Langstraat, served as a judge for the Diversified
Crop Production—Placement Proficiency Award, the award sponsored by NCIS
and Crop Production Services. The four
finalists for the proficiency award were
from California, Indiana, Oklahoma and
Tennessee. The winner of the award was
Derek Neuhoff from the Southridge FFA
Chapter in Huntingburg, Indiana. •American Agricultural Law Association
Educational Symposium: In October,
NCIS General Counsel Chuck Lee attended the American Agricultural Law Association’s annual Educational Symposium.
The symposium featured national legal
and policy experts addressing cutting edge
issues in agriculture, natural resources,
water, food, environment and agribusiness law. Attendees at the annual conference came from more than 30 states and
several countries. Among the topics discussed were the 2014 Farm Bill; Food Safety; Drone Use, Ag Data Management and
Other New Technologies in Agriculture;
Crop Insurance Updates; Supreme Court
litigation; Agricultural Law and Climate
Change; Antitrust Issues and Economic
Development Incentives for Agribusiness. •AFA Convention: NCIS Staff members
Laurie Langstraat and Ashley Craft attend16
FEBRUARY2016
As crop insurance continues
to improve and remain the
lynchpin of the farm safety
net, NCIS will continue to
provide the excellent service
and accurate information
needed by our members.
ed the 2015 Agriculture Future of America
Leaders (AFA) Conference which was held
November 5‐8, at Crown Center in Kansas
City, Missouri. AFA links college students
to opportunities for career development in
business, production, science and technology. Each one of the more than 600 delegates have been selected specifically based
on their talent, passion and commitment
to the agricultural industry. Laurie and
Ashley were part of the Opportunity Fair
where students learned about internships
and full‐time employment opportunities.
Laurie also took part in the Track 4 program which is designed for the student to
understand their talents, skills, values and
motivations, as well as, how to apply each
to life after graduation. NCIS is one of the
75 sponsors for the AFA Conference.
•AgGateway 10th Annual Conference:
NCIS staff Jessica Trites-Rolle participated in the AgGateway 10th Annual Conference in San Antonio, Texas, November
9-12. The theme for this year’s conference
was “Business Agility—The Power of Collaboration and eConnectivity,” building on
the AgGateway mission to promote, enable and expand eBusiness in agriculture.
The conference included a full schedule of
working sessions – committee and council
planning meetings, “what’s the challenge”
sessions, and educational forums – as well
as general sessions and business meetings,
networking opportunities, and four keynote speakers.
As crop insurance continues to improve
and remain the lynchpin of the farm safety
net, NCIS will continue to provide the excellent service and accurate information needed
by our members. There are many activities
that our association is involved in and we
strive to participate in those that will provide
value to the industry, as well as educate the
general public on the importance of a sound
and successful crop insurance program.
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CropInsurance TODAY
Revisiting the
Essential Strengths
of Crop Insurance
By Ashley Craft and Laurie Langstraat, NCIS
According to the United States Department of Agriculture (USDA), Americans
spend 13 percent of their household income
on food, coming in third behind housing and
transportation. Farmers and ranchers work
hard to help provide for American households, doing their part to grow safe, affordable
and abundant food for consumers. However,
farmers cannot control natural disasters or
the prices set for the commodities they grow.
To combat these unexpected situations, farmers and ranchers turn to crop insurance to
protect their business.
This article focuses on the essential
strengths of crop insurance, those pieces that
make it so valuable to farmers, taxpayers and
Congress alike. There are many reasons why
crop insurance has become the centerpiece of
the farm safety net. Farmers like the flexibility
it provides them to pick the level of coverage
plus the type of policy they want. Congress
appreciates it because it works and provides
a stable rural economy. Taxpayers approve
of it because they aren’t on the hook for 100
percent of the money needed, should there be
a disaster, such as a drought, flood or falling
commodity prices.
Producers receive
individualized risk
management solutions
Crop insurance is specifically tailored to
each individual policyholder, covering the
expected yield and revenue risk of each individual farmer. The farmer selects the level
of coverage he wants, based on the historic
or projected yield of the farm. Different rules
govern new land brought into rotation or covering “risky” land. In addition, the producer
may also receive coverage for prevented planting, planting losses and lower quality yields.
According to beginning farmer, Cody
Bornholdt, crop insurance is the best fit for
his farm due to the individuality the program
offers. “Multi-peril insurance is the best fit in
my mind, as we are a two county farm. Therefore, we are able to adjust our coverage per
county. Knowing the past history of rainfall
and the lay of the land, we are able to make it
best suit our needs.”
Crop insurance is not a “one-size-fits all”
program, which is typical of many Federal
programs, including Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC).
Crop insurance is very specialized and sold
through private insurance agents who are
certified and highly trained to understand the
complexities of the policy and provide advice
and guidance to farmers as they select the best
option(s) for their farm.
VisitWebsite
ag-risk.org
Producers can use crop
insurance as collateral
for loans
After a natural disaster or economic
downfall strikes, a farmer or rancher is expected to get back up on their feet and keep
their business going to feed a growing world
population expected to be 9 billion people by
2050. While farm programs also help pay for
unexpected disasters, their timeliness can be
a little more uncertain. Agricultural bankers
prefer the timeliness crop insurance offers,
allowing farmers to use crop insurance as collateral for operating loans.
Klodette Stroh farms malt barley, wheat,
varieties of dry edible beans, corn and hay,
with her husband and two sons in Powell,
Wyoming. Given the experience she has had
with banks, loans and crop insurance, she
added that, “Bankers like to know that if you
lose everything, something will be coming
back to them.”
With crop insurance farmers can financially recover from natural disasters and
volatile market fluctuations; pay their bankers, fertilizer suppliers, equipment providers
and landlords; purchase their production
inputs for the next season; and give them the
confidence to make longer term investments
that will increase their production efficiency. Without effective and affordable crop
insurance, catastrophic production losses
would sap the rural economy by setting in
motion a series of harmful events: farm failures and consolidation, job losses, farm-related small business failures, financial stress
on rural banks and reduced investment in
U.S. agriculture. A financially healthy rural
economy requires a financially healthy farm
production sector.
Producers are involved in,
and take responsibility, for
risk management choices
By helping to stabilize financial returns
in agriculture, crop insurance maintains and
promotes farmer investment in production
capacity, enables the production sector to rebound quickly after disaster, and allows farmers to pay credit obligations and other input
expenses. With crop insurance, farmers are
entering into a contract with private insurers.
That gives them much more certainty during
18
FEBRUARY2016
In order for an agent to
do his or her job, both the
farmer and the agent must
sit down together to design
a management plan.
the critical time of planting than some ad hoc
disaster assistance expectations that may or
may not happen.
While farmers and ranchers rely on crop
insurance agents to provide them with information about all of the policies and options
available to them, producers make the final
decision. In order for an agent to do his or her
job, both the farmer and the agent must sit
down together to design a management plan.
From there, the farmer pays a portion for the
coverage—a total of $3.6 billion in 2015—follows the good farming practices guidelines
given in the contract and collects an indemnity only if a natural disaster or economic
hardship occurs.
According to crop insurance agent, Todd
Snider, “These growers are contributing this
money into the pool and they might go 10
years without a loss. The Midwest may have
a loss and then two years later California specialty crop growers might suffer a loss or a
drought.”
Producers can use crop
insurance to improve their
pre-harvest marketing
plans
The Revenue Protection (RP) policy enables farmers to purchase policies that indemnify their lost production at the higher of the
price projected just before planting time or
the price at harvest. Projected price is just an
estimate of the final price, per se, and farmers
pay additional premium for this type of price
protection. RP pays an indemnity at “replacement value,” similar to what is available
for homeowners insurance. It enables the
producer to acquire the lost production at its
replacement cost.
If there is a natural disaster that results
in a large drop in production of a commodity, the price of that commodity is likely to
increase sharply. Without this, the farmer’s
loss would be indemnified at the lower price
projected at the start of the season. Unfortunately, such an indemnity would place many
of them in financial jeopardy. Many farmers
enter a forward contract to sell a portion
of their production before harvest. Usually
these contracts pay the producer for the production they deliver after harvest based on
harvest prices. If they lose the crop, they are
still obligated to deliver under the contract.
But since the crop is lost, the farmer has to
buy the commodity at the harvest price and
deliver it or financially settle the contract. The
purpose of Revenue Protection is to provide
the farmer with sufficient funds to settle the
forward contract.
Craig Corbett, a malt and seed barley farmer from Soda Springs, Idaho, said that while he
can protect himself against price fluctuations
with marketing tools, “the one thing that we
can’t have is nothing to sell. If I don’t have anything to market, then I’m done. So if you’re a
producer, crop insurance is where you get the
most protection for your buck.”
Producers receive crop
insurance indemnities in
the timeliest way
One of the reasons why farmers strongly
support crop insurance is that it is sold, administered, serviced and delivered by private-sector companies and knowledgeable
licensed agents who will work around the
clock if needed. Crop insurance combines
the affordability and universality of the public sector with the speed, efficiency and flexibility of the private sector. As an example,
in 2011, farmers in Texas received $2.6 billion in indemnities due mostly to drought.
Of this, more than $1.3 billion was paid by
mid-September of that year. Another example is during the 2013 government shutdown.
Claims were paid, policyholders were taken
care of, and the companies continued to operate “business as usual.”
Government-run programs of the past
were notoriously slow in their ability to deliver payments to farmers, often taking as long
as 18 months to two years after a disaster for
help to finally arrive. Crop insurance, on the
other hand, is a highly dynamic program,
which is closely tailored to each farmer’s operation and is successfully managed and delivered by the private sector. That is why farmers,
and farm groups made crop insurance one of
their top priorities in the 2014 Farm Bill.
Just a few months after buying his first
crop insurance policy, the Yazoo River
spilled over its banks and most of John Michael Pillow’s farm was underwater. Pillow
said that when the flood was at its height, the
adjuster was on his farm surveying the damage and assuring him that his losses would
be covered so he could bounce back. “Needless to say, I would be doing something else
other than what I love, and I would be repaying the bank for the $2.5 million I borrowed to plant the crop for the rest of my
life,” Pillow said.
Producers do not receive
excessive payments
As stated in many of our Crop Insurance
in America testimonials, farmers do not pray
for natural disasters to strike, nor do they long
for the day when they have to collect crop insurance payments. However, they do value
the peace of mind crop insurance can provide
during their times of need.
The structure of crop insurance is such
that companies have dollars at risk on every
policy and are thus financially incentivized
to reduce fraudulent claims. The industry
has extensive training and education efforts
including a certified loss adjuster proficiency program in which all adjusters must
participate.
Because program integrity is vital for
continued public support, fighting fraud,
waste and abuse is a key priority for the
industry and USDA through the RMA and
the Farm Service Agency (FSA). There are
numerous monitoring, review, audit, and
other oversight requirements in the Standard Reinsurance Agreement (SRA). The
private-sector crop insurance industry and
RMA have fought to minimize fraud and
have implemented effective and unprecedented measures to deter and identify false
claims. The program has been a pioneer in
the use of data mining, conducting thousands of reviews of claims data to ensure a
high level of program integrity.
Data mining is a major effort to ensure
program accountability. RMA has partnered
with the Center for Agribusiness Excellence
(CAE) at Tarleton State University, Stephenville, Texas, which has stored all of RMA’s
crop insurance
data since 1996.
CAE manages a
centralized
data
warehouse, which
is used to search, or
mine, all data records
to compare policies
and detect individual
producers whose policies
demonstrate atypical patterns
and to uncover broader patterns
that may indicate potential waste, fraud
or abuse. Through data mining, RMA annually develops a list of agricultural producers
whose operations warrant an onsite inspection. This “spot check” list has proven to be
an effective technique for deterring dishonest
activity.
USDA’s Office of Inspector General (OIG)
provides another line of oversight by conducting audits designed to reduce vulnerabilities,
strengthen integrity and provide RMA with
oversight to help achieve efficient and effective program delivery.
Ultimately, Congress determines the role
of government in crop insurance and relies
not only on the above sources of information but also calls upon the Government
Accountability Office and the Congressional Research Service to conduct reviews of
crop insurance. Both entities issue periodic
reports on their findings. Congress also conducts public oversight hearings to monitor
the expenditure of public funds on crop insurance. These multiple layers of oversight
provide a high level of confidence that the
public funds used to support crop insurance
are being properly spent.
Matthew King, a farmer from Delaware County, Ohio explains the frustration
from hearing what the critics said. “It’s so
aggravating that during the 2012 drought,
some outside groups opposed to farm policy charged that ‘farmers were praying for
drought, not praying for rain,’ implying that
we’d rather collect an indemnity check than
get a decent harvest,” King said. “Let me set
the record straight on that one: I would take
a better crop than a crop insurance payment
every time, because well-marketed grain can
make me far more money than any crop insurance indemnity ever would.”
Producer
indemnities are
not capped by arbitrary
payment limits
Crop insurance premium support is not
biased against any farmer and remains size
neutral. The industry also does not discriminate against specific incomes because we understand each farmer, no matter how little or
big their farm is, produces food and materials
needed to support our ever-growing population. When the unforeseen happens, the crop
insurance industry wants all farmers to sleep
easier at night knowing they will be able to
plant again the following season.
Reducing financial risk helps a farmer
maintain, expand, and increase the efficiency
of the farm, improves access to credit, increases investment in production assets and enables the farm to recover after disaster. These
are benefits to farmers, both large and small,
and to our society as a whole.
The 2014 Farm Bill took steps to make
crop insurance even more attractive to small
farms, including organic operations and those
run by new and beginning farmers.
It should be noted that every acre enrolled
in crop insurance helps spread risk, which ultimately lowers premiums for all. Therefore,
the involvement of larger, more efficient operations, helps bring down costs for smaller
farms and keeps crop insurance affordable.
By reducing financial risks and facilitating
investment, crop insurance may contribute to
increasing farm size, but analysts have estimated the impact is quite small and dominated. Over the years a higher and more diverse
participation, combined with better data,
CROPINSURANCE TODAY®
21
improved the program’s actuarial performance by reducing adverse selection and
enhancing underwriting and ratemaking.
Reduced participation would also only lead to
an increase in calls for off-budget, ad hoc disaster programs that have been largely averted
since the Federal crop insurance program was
modernized in 2000.
To further prove our point, USDA has
even called a cap on premium support “ill advised,” noting regions with high value crops,
large-acreage farms, and/or a higher risk of crop
loss would be especially hard hit. A dramatic increase in premium costs on a large percentage
of acres would inevitably lead to decreased participation in the crop insurance program.
Former economic adviser to the crop insurance industry, Dr. Keith Collins shared his
take on the evolution of the program throughout history. “Look at the (crop insurance) program that we have today, look at where it came
from, look at how it evolved, how it emerged
as the best of many different programs that
were tried over the years,” Collins said. “And
the success of the program has hinged on it
being available to producers widely across
America, being affordable for producers large
and small, and having a private-sector [component] that is financially viable.”
Producers share in the
program cost
In order to participate in the crop insurance program, producers must put “skin in
the game.” Though crop insurance is partially subsidized by the Federal government,
the money farmers put towards the program
helps defray taxpayer costs and encourages financial discipline.
Losses are shared by farmers, private-sector crop insurance companies and the government. For example, following the 2012
drought, farmers received $17 billion in indemnity payments to cover losses after paying approximately $4.1 billion in premiums
and shouldering deductibles of approximately
$12.7 billion. Private insurers had a $1.3 billion underwriting loss in 2012 because premiums did not offset claims. The government
fulfilled its contractual obligation in the SRA
as a reinsurer and provided premium support
to farmers.
This stands in sharp contrast to ad hoc disaster bills, which are funded entirely by taxpayers and were needed to offset farmer losses
prior to the emergence of modern-day crop
insurance. Forty-two such emergency disaster
22
FEBRUARY2016
bills in agriculture have cost taxpayers $70 billion since 1989, according to the Congressional Research Service.
Danny Davis, a cotton farmer in Elk City,
Oklahoma, has purchased crop insurance every year since the early 1990s. The first time
he used it was during an August hailstorm in
1996. “We lost all but about 200 acres of our
cotton,” Davis said. “There is no doubt in my
mind that hail storm would have been the end
of our farming operation had it not been for
crop insurance.”
Producers benefit from
the efficiencies and
service of the private
sector delivery system
Most would agree that the private sector
excels at some tasks while the government is
better-suited for others. This melding of the
private and public sectors has yielded a crop
insurance policy with affordable premiums,
personalized risk management solutions and
a private delivery system that puts needed
monies into the hands of farmers when timing is critical.
Crop insurance covers 128 crops, including all major grain crops and cotton, nursery,
citrus, rice, potatoes, and livestock. Farmers
can cover their crops for all natural disasters,
including wildfire, earthquake, volcanic eruptions and even irrigated water issues. Because
the policy is personalized, each farmer tailors
the policy to match his specific risk and desired coverage.
Corn and soybean farmer Quentin Bowen, who operates a family-farm in Humboldt,
Nebraska, says that when disaster strikes, the
difference in delivery of benefits when comparing government-run programs to the private sector’s handling of crop insurance, is like
comparing night to day. “The speed of delivery
of crop insurance—because it’s administered
by private sector companies—makes it a different kind of animal. In fact, if a natural disaster strikes and I’m covered by a crop insurance
policy, typically the payment comes to me in
one or two weeks, not in one or two years.”
Currently, there are 17 private-sector
companies devoted to delivering crop insurance to farmers that best fits their needs. The
companies employ more than 20,000 licensed
agents, certified loss adjusters and company
staff. Furthermore, companies invest heavily
in technology, infrastructure efficiency, training programs and service improvements for
farmers and ranchers.
Beyond fulfilling their delivery and service obligations, insurers have contributed
to improving the program by providing input and feedback on the implementation of
ever-changing rules and policies. Farmers
benefit from private-sector efficiency, which
speeds payments when needed most, and taxpayers benefit from reduced overhead costs
and strict procedures to combat waste, fraud
and abuse.
Steven Rutledge, Farmers Mutual Hail
Insurance Co. of Iowa said during his 2012
Congressional testimony that, “We firmly
believe that crop insurance should remain
the core risk management tool, and we are
committed to the public-private partnership
of program delivery, which directly supports
more than 20,000 private sector jobs across
the country. The private sector should continue to provide and deliver crop insurance
options, share in the risk of loss caused by
changing markets and natural disasters, and
adjust losses for insurable crops. We believe
the private sector, not the government, is the
best way to provide the individual risk management information and tools that are indispensable for producers today. We understand
that is the way farmers and ranchers want the
program to operate, and trust in our congressional leaders to stay the course.”
Crop insurance is
comprehensive and
program features can be
adjusted quickly
The Federal government and private crop
insurance companies understand that there
is not a one-size-fits-all insurance program
for producers across the United States. Taking into account different environmental and
crop demands, crop insurance program features can be adjusted to cover an individual’s
farm quickly and efficiently. Having the flexibility to make major program adjustments
also imposes financial discipline on the government because it has the authority to correct or eliminate programs and features that
are not working.
In its formative years, crop insurance was
available for only a handful of commodities.
For example, in 1948, insurance was only
available for wheat, cotton, flax, corn and
tobacco for a total of 391 county-crop programs, a fraction of what is available today.
Today, crop insurance is available for more
than 120 commodities and has more than
62,000 county-crop programs and premium
support rates are the same across commodities for each plan of insurance.
Expansion to additional crops and new
provisions and plans of insurance have been
the result of Congressional actions, notably in
farm bills; RMA contracting with private entities often at the request of farmers; and new
pilot programs introduced through the 508(h)
process, also spurred by producer interest.
The Federal Crop Insurance Corporation
(FCIC) Board of Directors must approve new
pilot programs before they are made available
to farmers and then field tested for three or
more years, which is a time consuming process. Through these means, crop insurance
has been successfully expanded to many new
specialty crops in recent years as well as to
pasture, range, forage and livestock products.
New insurance plans, such as Actual Revenue
History and Whole Farm Revenue Protection,
have been designed to improve coverage for
specialty crop and diversified farmers. The
result of these ongoing efforts has been an
increase in affordable financial protection for
many farm types across the country.
The 2014 Farm Bill alone provided agriculture with Supplemental Coverage Option (SCO), a standalone insurance policy
for cotton (STAX), provisions for beginning
farmers that will help increase assistance, and
an expansion of crop insurance for organic
growers.
Stanley Wilson, a cotton, carrot, potato
and raisin grape farmer from Shafter, California, explained crop insurance supplies comprehensive coverage to producers who endure
various farm disasters. “Anyone who’s been in
farming knows that production is not consistent. Many times we have problems caused by
climate, insects or diseases and we need protection against those things to control a complete wipeout.”
Crop insurance has
already contributed to
deficit reduction
Throughout history, crop insurance has
helped reduce the United States’ budget defi-
Beyond fulfilling their delivery and service obligations,
insurers have contributed
to improving the program
by providing input and
feedback on the implementation of ever-changing
rules and policies.
cit and it continues to help save taxpayers
millions of dollars each year. Looking back,
the 2014 Farm Bill projected crop insurance
would save $24 billion. In 2011, $4 billion of
the overall $6 billion reduction from SRA renegotiations between the Federal government
and private insurance companies went directly towards deficit reduction. With the 2008
Farm Bill, $6.4 billion was cut from the crop
insurance industry, contributing to deficit reduction as well.
Absent crop insurance, the cost of natural
disasters that cripple America’s farmers would
fall directly on the laps of taxpayers, which
happened repeatedly before the widespread
use and availability of crop insurance.
The 2014 Farm Bill cemented crop insurance as the cornerstone of farm policy. Under
this policy, farmers shoulder a portion of the
risk along with private-sector crop insurance
companies. Unlike the past, farmers must
first purchase crop insurance—putting “skin
in the game”—before being protected, and
must shoulder a portion of the losses through
deductibles. This ensures that farmers are active participants in risk management and that
taxpayers are not being asked to bear all the
burden of natural disasters in farming.
National Crop Insurance Services’ President, Tom Zacharias, says “the crop insurance
industry shares the belief that deficit reduction is important. In fact, crop insurers have
contributed more than most other industries
to the goal of deficit reduction in recent years.”
•Settle disputes and reduce trade tensions
•Stimulate economic growth and
employment
•Encourage good governance
•Help countries develop
To help ensure each of these goals are
achieved, the WTO has defined limits to certain levels of domestic support. These levels
are amber, red, blue and green. According
to WTO’s chart, “green” means the subject
is permitted, “amber” means the subject
should be reduced, “red” means it is prohibited and “blue” is for subsidies that “are tied
to programs that limit production.”
“Crop insurance is critically important,”
said Dan Kidd, a farmer from Big Sandy,
Montana. “Our competing countries have
different mechanisms that they utilize that
are under the ‘green box’. And that’s allowed,
just like the disaster program. Crop insurance falls into what they call the ‘de minimis’
level and portions of the subsidy falls into
the de minimis amber.”
Conclusion
Farmers and ranchers work hard every
day to provide food and materials to American consumers and global markets. Each crop
insurance essential strength can be seen as a
beneficial part of helping provide America
and global markets with the resources they
need. Crop insurance was established under
the Federal Government in 1938 and throughout the years it has evolved and adapted to the
needs of our farmers. Crop insurance helps
safeguard a farmer’s crop and business as a
whole and without it, our food source may
not be as plentiful or affordable as it is today.
Secretary of Agriculture, Tom Vilsack
summed up the importance of crop insurance
best when he said, “In the wake of a devastating disaster, crop insurance offers a lifeline.
It is one of the most important, reliable and
cost-effective parts of the safety net here in
the United States.”
Crop insurance has
flexibility to help meet
World Trade Organization
disciplines
The World Trade Organization (WTO) is
an international organization that helps:
CROPINSURANCE TODAY®
23
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CROP INSURANCE IN ACTION
Greg Wegis
Fourth Generation Farmer
By Ashley Craft, NCIS
Greg Wegis’ great-grandfather established
their multi-generational farm in the early
1900s and they have been farming in Bakersfield, California ever since. Wegis grows
almonds, pistachios, tomatoes, corn, wheat,
alfalfa and cherries and he plans to start growing table grapes in the near future.
“I have a passion for what I do,” Wegis
said. “Being raised around my grandfather
and my dad, just talking about it. It’s a lifestyle; producing food for people to eat and
nourish their bodies. It’s a good feeling and an
occupation I think that’s very noble.”
Today Wegis’ farm employs 80 people fulltime to keep everything running smoothly.
Wegis said he prides himself on being a family-oriented business, knowing each one of his
employees and their family.
“We take care of our people, because they
take care of us,” Wegis said. “They take care
of our land and we treat them as an extension
of our family. I think that is unique in the
multi-generational family farming business;
you don’t find that in a lot of other industries.”
Not only does Wegis feel his employees
deserve credit for the hard work they provide,
but he further recognized that his farming operation wouldn’t be possible without all of the
supporting companies that aid them in their
day-to-day operations. This includes companies who help with tractor and machinery
parts, processing and manufacturing, sales,
bankers, insurance agents, fuel, transportation companies and “the list goes on and on.”
24
FEBRUARY2016
According to Wegis, farm income in California is a $47 billion industry. The county
he resides in, Kern County, is responsible for
providing a little over $6 billion. Translating that into the amount of jobs agriculture
provides within Kern County, Wegis said it’s
“somewhere around 70,000 jobs.”
“Just the almond industry alone, employs
about 110,000 individuals in the Central
Valley,” Wegis explained. “And we’re connected. So whatever happens to us, in turn
affects them, either in food prices or food
availability.”
Minus a great winter in 2002 and 2011,
the area Wegis resides in has been in a
drought for over four years. To combat this
issue, Wegis said their farming operations
rely on two separate solutions to stay sustainable and in business.
“With our farm, we have around 10,000
acre-feet of water that we’ve contracted for.
My grandfather and his generation helped
build the Central Valley Project and the
State Water Project, (bringing) us water from
Northern California to help us be more sustainable south of the Delta Area.”
In order to take part in the Central Valley
Project and the State Water Project, farmers in
the California region must pay a set amount
of money regardless if they receive the designated amount of water or not (water supply
levels rely on what is available each year in the
area’s designated reservoir, which could lead
to the possible shortages). By doing this, Wegis said it has helped “replenish the aquifers”
that were once depleted and helps keep farms
in the region sustainable.
“We’re the breadbasket of the world here in
Central Valley, as far as fruits, vegetables, nuts
and milk,” Wegis concluded. “The United States
relies heavily on us to produce that food. If
we have to reduce our footprint, we cannot
farm the acres we used to, and that’s definitely going to affect everyone. And that’s the
message we’re trying to [get] everybody [to]
understand.”
Wegis said he insures their crops to protect them against natural disasters, diseases
or insects that they have little control over.
“Without crop insurance it would not allow
us to farm.” In the end, Wegis attributes crop
insurance as a vital tool in agricultural risk
management. “It’s just a crucial tool to circumvent the ups and downs of Mother Nature
and agriculture,” Wegis expressed.
National Crop Insurance Services
Visit our website
www.cropinsuranceinamerica.org
Let us know what you think by sending us a comment on our Facebook
page www.facebook.com/cropinsuranceinamerica.
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CropInsurance TODAY
Mike Sieben Retires
By Ashley Craft, NCIS
After graduating from Kansas State University, Mike Sieben originally saw himself
working as an educator or as an athletic director. However, as fate would have it, Sieben’s
journey led him to have a prosperous career
in the crop insurance industry.
“When I was teaching school, in the summers obviously there wasn’t anything to do
and I was looking for a job,” Sieben explained.
“And the former individual that I did my student teaching with was in the Crop Insurance
Department of the Farm Bureau of Kansas. So
he said ‘Are you looking for a job?’ And I said
yes, so he recommended me. I went up and
talked to them, and that’s how I got involved
from the very start in crop insurance.”
From there Sieben worked as a crop insurance adjuster during the summers while
teaching school the rest of the year. It wasn’t
until he resigned from teaching in 1976 that
Sieben became involved with the industry
full-time. Sieben’s first full-time position in
crop insurance was for Insurance Company of
North America as a field representative in the
“farm and crop insurance arena” for five years,
until the company left the industry.
After leaving Insurance Company of North
America, Sieben worked for Continental Insurance Company. Sieben shared that this was
at a time when private companies could begin
selling multi-peril crop insurance.
“I went to work for them (Continental)
for a year and then Farm Bureau Mutual of
Kansas decided they were getting into the
multi-peril crop insurance business. So once
again the gentleman that I student taught
under called me and said would you be interested in a job here in charge of claims for the
multi-peril crop insurance.”
He joined the Farm Bureau Mutual of
Kansas team and never looked back. Sieben
Mike Sieben celebrated with NCIS
staff one last time before officially
retiring December 31, 2015.
recalled his favorite part of his career was
from his time at Farm Bureau Mutual of Kansas when he was out in the field with farmers.
“My favorite part was when I was at Farm
Bureau Mutual, when we were getting started
in the multi-peril crop insurance business,”
Sieben recalled. “I probably put on a meeting
in every county in the state of Kansas at least
once or twice. And I was talking to farmers
and discussing their options they had with
Mike Sieben and some of his family attended his NCIS retirement party held in the
beginning of December. NCIS staff took that time to share with his family how much Sieben
meant to the office and industry as a whole.
CROPINSURANCE TODAY®
27
multi-peril crop insurance and how it was going to benefit them, how they could use it as a
risk management tool, to be able to go out and
get next year’s crop in. So the real positives at
that point in time was working with those
folks and the agents, we had a great group of
agents we worked with.”
Sieben went on to become the Multi-Peril
Crop Insurance (MPCI) Claims Manager and
was then promoted to the Crop Insurance
Manager while at Farm Bureau Mutual. He
remained in that position until the MPCI and
Crop Hail business was transferred to American Farm Bureau Insurance Services (AFBIS),
where he managed the regional office and
was responsible for MPCI and Crop-Hail for
Kansas and seven other states. In 2002, Mike
rejoined Farm Bureau Mutual to head up the
newly merged companies of Farm Bureau
Mutual of Iowa, Farm Bureau Mutual of Nebraska and Farm Bureau Mutual of Kansas.
Bringing with him his vast amount of
knowledge and leadership, Sieben joined the
National Crop Insurance Services (NCIS)
team in 2006 as Vice President of the Loss
Adjustment and Insurance Products (LAIP)
division, which is responsible for policy and
procedure review, loss adjuster training and
agronomic research. Before retiring at the end
of December 2015, Sieben worked his way up
to Senior Vice President for NCIS’s LAIP division. According to his fellow NCIS colleagues,
Sieben brought a great outlook and positive
attitude to the office that was greatly valued
during his time working with the company.
“The highlights of working at NCIS would
be working with group I worked with,” Sieben
said. “It’s a great group of people. We’ve done
some really good things, we’ve made some
changes. Another highlight is being able to
take people and the position (of Senior Vice
President for LAIP) to empower them, to let
them make decisions on their own…I think
empowering people and watching them grow
into the positions they are in now, it’s a highlight. We’ve also hired some really good people. Those little things probably don’t stick out
to everyone, but to me they’re the highlights.”
Looking towards the future, Sieben and
his wife are settling back into Manhattan,
Kansas to be closer to family and friends. Sieben and his wife were in the process of getting
everything moved to their new home shortly
before his retirement in December.
“The first goal is to get both cars in the
garage,” Sieben joked. “At this point in time
that would be the first goal we have. Then we
want to do some traveling and obviously with
both of our boys still living in Manhattan, and
daughter-in-laws and grandson, we want to
be a part of their lives. And we lived in Manhattan for 35 years so we’ve got a lot of good
friends back there. We’ll get acquainted with
them again and get back to doing things with
those folks.”
From everyone at NCIS, we would like to
say congratulations Mike on your recent retirement and thank you for all of your wonderful contributions to the crop insurance
industry throughout your 41 years within the
business. NCIS’ Troy Brady took on Sieben’s
role as the next Senior Vice President of the
LAIP Division effective January 1, 2016.
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Continued from page 1
available to the farm sector. A farm sector that
we rely on every day and every meal.
Consider the Critics…
For as much as crop insurance has stood
the test of time and has come to be the cornerstone of modern U.S. farm policy, the industry and the crop insurance system continue to be the object of a sustained campaign
ultimately intent on dismantling the current
farm safety net and the public-private partner
delivery system. With the recent passing of
the legendary Glenn Frey of the Eagles, I am
simply reminded of the lyrics of “Get Over It,”
“…all this whinin’ and moanin’ and pitching a
fit…get over it…” If one follows the history of
farm policy there has been a long-term commitment to agricultural risk management
through crop insurance. Beginning with the
1938 Act, the 1980 Act, the 1994 Reform Act,
and lastly, the 2014 Farm Bill, the common
sense attributes of a risk management based,
public-private crop insurance system have
carried the day. I truly do not understand the
ongoing motivation on the part of some to
attempt to dismantle a risk management system that has replaced both direct payments
and ad hoc disaster. Wait, I do understand, if
one scrapes away the veneer of our critics, it
is not difficult to find a “cottage industry” that
continues to perpetuate itself. I have said this
before, “regardless of your political persuasion, President Obama got it right when he
labeled the “paid-for advocates” calling them
“…professional activists who profit from
conflict…”
These critics take many forms. From
conservative think tanks that oppose nearly
every taxpayer-funded program to so-called
environmental groups that prefer farmland
to sit idle and unproductive, agriculture
has its share of opponents seeking a payday
at the expense of rural America. Recently
even some seemingly farm-friendly groups
are getting in on the act, demanding reform
that would make the centerpiece of the farm
safety net less affordable, less available, and
less viable. Again, one can only surmise that
this new attack designed to weaken the agricultural community is about money, not improving public policy or the greater good.
No further acronyms required… May
30
FEBRUARY2016
Glenn rest in peace. To our critics, consider
this… “…get over it…”
Consider the Support...
Following a contentious, multi-year Farm
Bill deliberation, most in agriculture hoped
for a relatively quiet 2015. We received just
the opposite. Economic challenges took center stage as commodity prices fell, testing
the provisions of the new farm safety net.
Drought continued to grip the West while
floods ravaged parts of the Carolinas making
crop insurance invaluable. Farm policy critics
intensified attacks by targeting premium support and industry returns, which made agricultural unity even more important.
Challenges will undoubtedly continue
throughout 2016 as unpredictable weather
and market prices greet farmers and agriculture’s opponents work to unravel the tools
growers have to manage such risks. Today’s
critics will likely have new allies, too, as
America’s foreign competitors are signaling
possible challenges to U.S. policy in World
Trade Organization courts. However, if 2015
taught us anything, it is that the farming community is capable of great feats when it works
together.
Crop insurers would be remiss if we did
not thank our customers, our colleagues in
the agent community, our elected officials,
our USDA partners, and our friends in the
farm input, conservation and banking industries for rallying in defense of crop insurance. We look forward to continuing to build
on last year’s successes and strengthening
alliances as we meet tomorrow’s challenges
head-on. A special note of appreciation to
those organizations and individuals within
the Crop Insurance Coalition who worked
diligently through the closing months of 2015
to help restore crop insurance funding.
Challenges will undoubtedly
continue throughout 2016
as unpredictable weather
and market prices greet
farmers and agriculture’s
opponents work to unravel
the tools growers have to
manage such risks.
Consider the Future...
The music world also recently suffered the
loss of David Bowie. As we consider the future, the quintessential lyrics of “Ziggy Stardust” come to mind:
“Ch-ch-ch-ch-changes
(Turn and face the strange)
Time may change me
But I can’t trace time…”
Next year at this time, we will have witnessed the outcome of the 2016 Presidential
election. Regardless of the outcome, we will
no doubt be meeting with a new administrative team at USDA and RMA. Working
with a new administration will require an
investment in time and relationships on the
part of our industry. It will be critical for
our industry to convey the value we bring
to U.S. agriculture and to the new administration. Consider for a moment the role of
the private-sector delivery system in recent
years—the expeditious and efficient handling of claims in 2011 during the drought
in the Southwest affecting Texas, Oklahoma
and Kansas, and the flooding along the Missouri River; shouldering the claims load of
the 2012 drought in the Midwest; maintaining insurance operations during the government shutdown in 2013 when USDA and
RMA offices were closed for 16 days; and the
cooperative effort by the industry and RMA
during the implementation of the 2014
Farm Bill. We look forward to the future and
hope that both the future Administration
and Congressional leadership will consider
the value the private-sector delivery system
brings to the table.
In addition, there will be leadership
changes within our industry. NCIS will be
welcoming a new Board of Directors Chairman and potential changes to the NCIS
Board. Internally, within NCIS, we say farewell to Mike Sieben who has worked in our
industry in various capacities throughout his
40 year career. We look forward to Troy Brady
and the institutional knowledge and talents
he brings as he expands his leadership role
at NCIS.
Most importantly, as we consider the future, we should consider that the risk in agriculture is not going away and it is our responsibility to help manage that risk. Climate
variability is creating new risks and altering
the risk farmers already face. One does not
have to look very far back to recall the severity of weather-related risks over the past several years. Farmers use crop insurance to help
manage those risks and it has, time and time
again, provided them the financial stability
they need and peace of mind to plant another
year. It was last fall that the International Association of Agricultural Production Insurers
(AIAG), in conjunction with NCIS, hosted
the 33rd AIAG Congress focused on the role
of public-private partnerships in securing the
food supply. International agricultural leaders spoke to the future of agricultural risk
management and the essential role of crop
insurance.
Consider this issue…
We have alluded to several of the strengths
of crop insurance throughout this message
and in this issue we delve into them in greater
detail. In “Revisiting the Essential Strengths
of Crop Insurance” you will read about the
reasons why crop insurance has become the
linchpin of the farm safety net and so popular
with Congress, farmers and taxpayers alike.
We have a talented and
knowledgeable staff who
work hard every day to
make crop insurance work
better for America’s farmers
and ranchers.
As you read through these strengths you will
hear from farmers themselves about why
crop insurance is so important to them.
In the “Inform. Educate. Share.” article,
you can look back at some of the meetings,
events, activities, and projects that made 2015
such a successful and busy year for NCIS and
the industry. We have a talented and knowledgeable staff who work hard every day to
make crop insurance work better for America’s farmers and ranchers. We appreciate
the opportunity to serve our members every
day and we hope that this ‘look back’ article
showcases our dedication to this industry.
We also introduce you to Greg Wegis
in the “Crop Insurance In Action” article.
Mr. Wegis is a fourth-generation California
farmer whose family has bought crop insurance for years to protect their almonds, pistachios, tomatoes and other crops they grow
in the Central Valley. The last several years
Mr. Wegis’ farm has been suffering from the
drought like many other farmers in the West
and he is extremely grateful for the protection crop insurance provides his family.
“Without crop insurance, it wouldn’t allow
us to farm.”
Last, but not least, our NCIS family said
“best wishes and happy retirement” to Mike
Sieben at the end of 2015. Mike has been
working in the crop insurance industry for
more than 40 years and his knowledge, dedication and expertise will definitely be missed
in this office and throughout the crop insurance family. We wish him and his wife, Cheryl, all the best as they enjoy a well-deserved
retirement!
We hope you enjoy this issue and have a
wonderful spring!
NCIS
INDUSTRY AWARDS
The NCIS industry awards were established in 2001 to honor
those individuals who provide exemplary service to the industry as
a whole and/or to producers. The award criteria has been changed
slightly and a new award category has been added.
Outstanding Service Award
This award is presented to a crop insurance agent or individual
outside of the industry who provides exceptional service industry-wide and outstanding outreach efforts to all farmers, especially
limited-resource and/or socially disadvantaged farmers.
Industry Leadership Award
This award, targeted primarily to members of the NCIS regional/state cop insurance and/or NCIS standing committees recognizes
individuals who are directly involved in the crop insurance industry
and who consistently serve the industry by providing outstanding
leadership. One award may be given to a member of a regional/state
crop insurance committee and/or a member of a standing committee.
Lifetime Achievement Award
This new category of award will be given to those people who have
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ag-risk.org
served or are currently serving in leadership capacities within the industry who exhibit(ed) outstanding leadership, guidance and knowledge to and of the crop insurance industry.
Criteria for all awards are:
1.Unyielding personal and business ethics.
2.Demonstrated service above and beyond the crop insurance
industry.
3.Represents themselves, their company and the crop insurance industry well.
The winners will be presented with their awards at the crop insurance industry annual convention held in February of each year.
All nominations must be submitted in writing to NCIS by October
15, 2016, for awards to be presented at the 2017 Annual Convention.
For nomination information and forms to be submitted, please visit
the NCIS website at www.ag-risk.org to download. If you have any
questions regarding the criteria or whom is eligible for the awards,
please contact Laurie Langstraat at NCIS at [email protected] or
913-685-2767.
CROPINSURANCE TODAY®
31
.25¢ each,
plus shipping
For orders over 500,
please call for
discounted price.
Call 800-951-6247
and ask for Donna
ViewOnline
www.ag-risk.org/NCISPub.htm
Continued on page 32
32
FEBRUARY2016
AUGUST2013
CROPINSURANCE TODAY®
33
We know what it takes to be successful in the crop insurance business:
relentless determination, endless patience, self-reliance and a commitment
to our agents and growers that is second to none. Rain and Hail continues to
support our agent partners with service and technology that lead the industry.
800.776.4045 | www.RainHail.com
This institution is an equal opportunity provider and employer.
CropInsurance TODAY
INSURABLE CROPS
Location & Plans
VisitWebsite
ag-risk.org
The following pages contain a list of all
federally subsidized insurable crops, what
states they are insurable in, under what
plan(s) of insurance, and the number of counties where they are insurable. Please note this
information is current as of January 1, 2016.
Changes are constantly occurring in the crop
insurance program and you should contact
your crop insurance agent for the most up-todate information.
The numbers in the matrix refer to specific insurances plans by the plan number as
identified by the Risk Management Agency
(RMA). A number containing a dash indicates that the crop is not insurable in every
county in the state. The number following
the dash represents the number of counties in
that state the crop is insurable under the plan
of insurance indicated by the number before
the dash. For example, the code 01-16 means
that specific crop is insurable under the Yield
Protection (YP) plan of insurance in sixteen
counties in the state. If the number does not
contain a dash, it is insurable in every county
in the state. A number including (P) indicates
a pilot program.
01 = YP-Yield Protection
02 = RP-Revenue Protection
03 = RPHPE-Revenue Protection with Harvest Price Exclusion
04 = AYP-Area Yield Protection
05 = ARP-Area Revenue Protection
06 = ARP-HPE-Area Revenue Protection–Harvest Price Exclusion
13 = RI-Rainfall Index
14 = VI-Vegetation Index
16 = MP-Margin Protection
31 = SCO-YP-Supp Cov Opt–Yield Protection
32 = SCO-RP-Supp Cov Opt–Revenue Protection
33 = SCO-RPHPE-Supp Cov Opt–RP w/Harvest Price Exclusion
35 = STAX-RP-Stacked Inc Prot Plan–Revenue Protection
36 = STAX-RPHPE-Stacked Inc Prot Plan–RP w/Harvest Price Exclusion
40 = TDO-Tree Based Dollar Amount Of Insurance
41 = PRV-Pecan Revenue
43 = AQDOL-Aquaculture Dollar
47 = ARH-Actual Revenue History
50 = DO-Dollar Amount Of Insurance
51 = FD-Fixed Dollar
55 = YDO-Yield Based Dollar Amount Of Insurance
76 = WFRP-Whole Farm Revenue Protection
81 = LRP-Livestock Risk Protection
82 = LGM-Livestock Gross Margin
90 = APH-Actual Production History
Pilot Option Rate Programs
CP = Contract Pricing
CV = Comprehensive Tree Value
QE = Quarantine Endorsement
PY = Personal T-Yield
NS = Stage Removal
PO = Price Endorsement Option
CROPINSURANCE TODAY®
35
36
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
(P)31-16,90-16
(P)31-3,(P)90-3CP
(P)31-2,(P)90-2CP
(P)90-2CP
(P)90-1CP
(P)31-1,(P)90-1CP
(P)31-2,(P)90-2CP
(P)31-1,(P)90-1CP
(P)31-1,(P)90-2CP
ALMONDS
ALFALFA SEED
13
14
13-98
13
14
13
13
13
14
13
14
13
13
13
13-114
13
13
14
13
13-23
13
14
13
13
14
13
13
13-48,14-15
13
APICULTURE
(P)31-2,90-2
(P)31-8,90-8
(P)31-22,90-22
(P)31-14,90-14
(P)31-6,90-7
90-14
90-2
(P)31-13,90-16
(P)31-37,90-37
(P)31-3,90-3
90-3
(P)31-12,90-12
(P)31,90
(P)31-10,90-11
90-3
(P)31-25,90-25
(P)31-17,90-17
90-10
(P)31-11,90-11
(P)31-6,90-7
(P)31-10,90-10
(P)31-24,90-24
90-2
(P)31-5,90-5
90-5
90-9
90-3
90-2
90-1
(P)31-23,90-25
(P)31-3,90-3
(P)31,90
APPLES
90-7
90-5
90-4
90-13
Fresh
90-13
Processing
APRICOTS
(P)90-1
(P)90-6QE
Avocado
(P)40-1CV
Trees
AVOCADO
(P)90
Banana
(P)40
Trees
BANANA
INSURABLE CROPS
01-6,02-6,03-6,(P)31-2,(P)32-1,(P)33-1
01,02,03,(P)31,(P)32,(P)33
01-2,02-2,03-2
01-42,02-42,03-42,(P)31-40,(P)32-40,(P)33-40
01-25,02-25,03-25,(P)31-23,(P)32-23,(P)33-23
01-1,02-1,03-1
01-62,02-62,03-62,(P)31-62,(P)32-62,(P)33-62
01-38,02-38,03-38,(P)31-38,(P)32-38,(P)33-38
01-1,02-1,03-1,(P)31-1,(P)32-1,(P)33-1
01-58,02-58,03-58
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01-7,02-7,03-7,(P)31-5,(P)32-5,(P)33-5
01-4,02-4,03-4,(P)31-1,(P)32-1,(P)33-1
01-28,02-28,03-28
01-57,02-57,03-57,(P)31-57,(P)32-57,(P)33-57
(P)01PY,(P)02PY,(P)03PY,(P)31,(P)32,(P)33
01-1,02-1,03-1
01-22,02-22,03-22,(P)31-3,(P)32-3,(P)33-3
01-30,02-30,03-30,(P)31-30,(P)32-30,(P)33-30
01-54,02-54,03-54,(P)31-54,(P)32-54,(P)33-54
01-7,02-7,03-7
01-55,02-55,03-55,(P)31-55,(P)32-55,(P)33-55
01-18,02-18,03-18,(P)31-7,(P)32-7,(P)33-7
01-12,02-12,03-12,(P)31-12,(P)32-12,(P)33-12
01-28,02-28,03-28
01-68,02-68,03-68,(P)31-68,(P)32-68,(P)33-68
01,02,03,(P)31,(P)32,(P)33
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01-43,02-43,03-43,(P)31-43,(P)32-43,(P)33-43
01-1,02-1,03-1
01-1,02-1,03-1
01-7,02-7,03-7
01-75,02-75,03-75,(P)31-18,(P)32-18,(P)33-18
01-8,02-8,03-8
01-4,02-4,03-4
01,02,03,(P)31,(P)32,(P)33
01-33,02-33,03-33,(P)31-33,(P)32-33,(P)33-33
01-32,02-32,03-32,(P)31-32,(P)32-32,(P)33-32
01-4,02-4,03-4
01-6,02-6,03-6,(P)31-6,(P)32-6,(P)33-6
BARLEY
CROPINSURANCE TODAY®
37
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
BEANS
90-3
(P)31-7,90-7
(P)31-6,90-6
90-18
(P)31-1,90-1
(P)31-13,90-13
(P)31-2,90-2
(P)01-38PY,(P)02-38PY,(P)03-38PY,(P)31-38,(P)32-38,(P)33-38
(P)31-1,90-4
(P)31-13,90-13
(P)31-9,90-11
(P)31-25,90-25
01-28,02-28,03-28,(P)31-28,(P)32-28,(P)33-28
01-38,02-38,03-38,(P)31-38,(P)32-38,(P)33-38
(P)31-12,90-12
(P)31-12,90-12
(P)31-17,90-17
(P)31-24,90-24
(P)31-2,90-2
Dry
90-2
90-9
90-4
Fresh
Market
(P)31-42,90-42
90-1
90-1
90-2
90-3
90-1
90-1
90-3
90-1
90-4
90-6
90-4
90-1
CABBAGE
(P)31-2,90-2
90-7
90-3
(P)31-12,90-12
90-5
BUCKWHEAT
90-1
(P)31-13,90-13
(P)31-1,90-1
(P)31-7,90-7
(P)31-6,90-6
(P)31-4,90-4
90-8
(P)31-5,90-5
(P)31-8,90-8
(P)31-13,90-13
(P)31-12,90-12
(P)31-7,90-7
90-1
BLUEBERRIES
90-4
90-5
90-8
(P)31-15,90-15
(P)31-3,90-3
90-1
(P)31-18,90-18
90-1
90-7
(P)31-13,90-15
(P)31-10,90-10
(P)31-1,90-4
90-2
(P)31-2,90-2
Processing
90-11
90-41
CAMELINA
INSURABLE CROPS
01-13,02-13,03-13,(P)31-13,(P)32-13,(P)33-13
01-3,02-3,03-3
01-2,02-2,03-2,(P)31-2,(P)32-2,(P)33-2
01-1,02-1,03-1
01-15,02-15,03-15,(P)31-15,(P)32-15,(P)33-15
01-7,02-7,03-7,(P)31-7,(P)32-7,(P)33-7
01-2,02-2,03-2
(P)01-PY,(P)02PY,(P)03-PY,(P)31,(P)32,(P)33
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01-14,02-14,03-14,(P)31-14,(P)32-14,(P)33-14
01-5,02-5,03-5,(P)31-4,(P)32-4,(P)33-4
01-5,02-5,03-5
01-26,02-26,03-26,(P)31-19,(P)32-19,(P)33-19
01-12,02-12,03-12
01-1,02-1,03-1
CANOLA
(P)40-2
CARAMBOLA
TREES
38
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
(P)47-1
(P)47-11
(P)47-2
(P)47-9
(P)47-4
(P)47-2
(P)47-14
(P)47-5
(P)47-16
CHERRIES
(P)51-2
(P)51-1
CHILE
PEPPERS
(P)40-28CV
CITRUS TREE
All Other
Citrus Trees
90-7
90-5
90-4
90-8
FRESH
NECTARINES
90-3
All Other
Grapefruit
50-29
(P)31-9,(P)90-9QE
(P)31-3,90-3
90-3
Trees
(P)40-3
(P)40-28CV
CITRUS
GRAPEFRUIT
Rio Red, Star Ruby
Grapefruit
& Ruby Red
(P)40-4
Trees
INSURABLE CROPS
50-3
(P)31-13,(P)90-13QE
(P)31-3,90-3
Lemons
LEMONS
(P)40-3
(P)40-3
50-2
Limes
LIMES
Trees
50-29
(P)31-9,(P)90-9QE
(P)31-3,90-3
MANDARINS/
TANGERINES
CROPINSURANCE TODAY®
39
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
(P)40-1
MANGO
TREES
90-3
(P)40-3
(P)40-28CV
50-29
(P)31-7,(P)90-7QE
(P)31-12,(P)47-4QE,(P)90-12QE
50-29
(P)31-3,90-3
TANGELOS
(P)31-3,90-3
Oranges
cont’d CITRUS
ORANGES
Early, Midseason
Trees
& Late
40-3
TANGERINE
TREES
50-29
(P)43-2
(P)43-2
(P)43-5
TANGORS CLAMS
Tree
(P)90 (P)40CV
Coffee
COFFEE
INSURABLE CROPS
01-19,02-19,03-19,(P)31-19,(P)32-19,(P)33-19
01,02,03,04-95,05-95,06-95,(P)31,(P)32,(P)33
01,02,03,04-84,05-84,06-84,(P)31,(P)32,(P)33
01,02,03,04,05,06,16,(P)31,(P)32,(P)33
01,02,03,(P)31,(P)32,(P)33
01-104,02-104,03-104,04-34,05-34,06-34,(P)31-104,(P)32-104,(P)33-104
01-35,02-35,03-35,(P)31-35,(P)32-35,(P)33-35
01,02,03,(P)31,(P)32,(P)33
01-23,02-23,03-23,(P)31-23,(P)32-23,(P)33-23
01-12,02-12,03-12,(P)31-12,(P)32-12,(P)33-12
01-76,02-76,03-76,04-38,05-38,06-38,(P)31-76,(P)32-76,(P)33-76
01-84,02-84,03-84,04-60,05-60,06-60,(P)31-84,(P)32-84,(P)33-84
01-75,02-75,03-75,(P)31-75,(P)32-75,(P)33-75
01-104,02-104,03-104,04-62,05-62,06-62,(P)31-104,(P)32-104,(P)33-104
01-24,02-24,03-24,(P)31-24,(P)32-24,(P)33-24
01-91,02-91,03-91,04-41,05-41,06-41,(P)31-91,(P)32-91,(P)33-91
01-1,02-1,03-1,(P)31-1,(P)32-1,(P)33-1
01,02,03,(P)31,(P)32,(P)33
01-16,02-16,03-16,(P)31-16,(P)32-16,(P)33-16
01-16,02-16,03-16,(P)31-16,(P)32-16,(P)33-16
01-52,02-52,03-52,(P)31-52,(P)32-52,(P)33-52
01,02,03,(P)31,(P)32,(P)33
(P)01PY,(P)02PY,(P)03PY, (P)31,(P)32,(P)33
01,02,03,04-65,05-65,06-65,(P)31,(P)32,(P)33
01-63,02-63,03-63,(P)31-63,(P)32-63,(P)33-63
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01-66,02-66,03-66,(P)31-66,(P)32-66,(P)33-66
01,02,03,(P)31,(P)32,(P)33
01,02,03,(P)31,(P)32,(P)33
01,02,03,04-27,05-27,06-27,(P)31,(P)32,(P)33
01-88,02-88,03-88,04-6,05-6,06-6,(P)31-88,(P)32-88,(P)33-88
01-136,02-136,03-136,(P)31-136,(P)32-136,(P)33-136
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01,02,03,(P)31,(P)32,()33
01-97,02-97,03-97,(P)31-97,(P)32-97,(P)33-97
01-27,02-27,03-27,(P)31-27,(P)32-27,(P)33-27
01,02,03,(P)31,(P)32,(P)33
01,02,03,04-58,05-58,06-58,(P)31,(P)32,(P)33
01-11,02-11,03-11,(P)31-11,(P)32-11,(P)33-11
01-4,02-4,03-4,(P)31-4,(P)32-4,(P)33-4
01-46,02-46,03-46,(P)31-46,(P)32-46,(P)33-46
01-19,02-19,03-19,(P)31-19,(P)32-19,(P)33-19
01-26,02-26,03-26,(P)31-26,(P)32-26,(P)33-26
01,02,03,(P)31,(P)32,(P)33
01,02,03,(P)31,(P)32,(P)33
01-28,02-28,03-28,(P)31-28,(P)32-28,(P)33-28
01-140,02-140,03-140,(P)31-140,(P)32-140,(P)33-140
01-64,02-64,03-64,(P)31-64,(P)32-64,(P)33-64
Corn
CORN
CORN
40
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
50
50-2
50-66
50
50-54
50
50-16
50
50-9
50-11
50-11
50-3
50-4
50
50-1
Fresh
Market
(P)31-11,55-11
(P)31-4,55-4
(P)31-1,55-1
(P)31-6,55-6
(P)31-35,55-35
(P)31-5,55-5
(P)31-8,55-8
(P)31-10,55-10
(P)31-47,55-47
(P)31-39,55-39
(P)31-63,55-63
(P)55-5
(P)55-1
(P)55-7
(P)55-2
cont’d CORN
CORN
Hybrid
Hybrid Sweet
Seed
Corn Seed
(P)31-40,90-40
(P)31-13,90-13
(P)31-12,90-12
(P)31-12,90-12
(P)31-11,90-11
(P)31-38,90-38
(P)31-5,90-5
(P)31-11,90-11
(P)31-12,90-12
(P)31-9,90-9
(P)31,90
Sweet
(P)31-3,90-3
(P)31-5,90-5
(P)31-7,90-7
Extra Long
Staple
01-15,02-15,03-15,(P)31-15,(P)32-15,(P)33-15,(P)35-15,(P)36-15
01-24,02-24,03-24,04-5,05-5,06-5,(P)31-24,(P)32-24,(P)33-24,(P)35-24,(P)36-24
01-176,02-176,03-176,04-30,05-30,06-30,(P)31-176,(P)32-176,(P)33-176,(P)35-176,(P)36-176 (P)31-14,90-14
01-42,02-42,03-42,(P)31-42,(P)32-42,(P)33-42,(P)35-42,(P)36-42
01-36,02-36,03-36,(P)31-36,(P)32-36,(P)33-36,(P)35-36,(P)36-36
01-58,02-58,03-58,04-6,05-6,06-6,(P)31-58,(P)32-58,(P)33-58,(P)35-58,(P)36-58
01-10,02-10,03-10,(P)31-10,(P)32-10,(P)33-10,(P)35-10,(P)36-10
01-62,02-62,03-62,04-4,05-4,06-4,(P)31-62,(P)32-62,(P)33-62,(P)35-62,(P)36-62
01-7,02-7,03-7,04-4,05-4,06-4,(P)31-7,(P)32-7,(P)33-7,(P)35-7,(P)36-7
01-23,02-23,03-23,04-5,05-5,06-5,(P)31-23,(P)32-23,(P)33-23,(P)35-23,(P)36-23
01-27,02-27,03-27,(P)31-27,(P)32-27,(P)33-27,(P)35-27,(P)36-27
01-25,02-25,03-25,(P)31-25,(P)32-25,(P)33-25,(P)35-25,(P)36-25
01-100,02-100,03-100,04-12,05-12,06-12,(P)31-100,(P)32-100,(P)33-100,(P)35-100,(P)36-100
01-9,02-9,03-9,(P)31-9,(P)32-9,(P)33-9,(P)35-9,(P)36-9
01-25,02-25,03-25,04-4,05-4,06-4,(P)31-25,(P)32-25,(P)33-25,(P)35-25,(P)36-25
01-12,02-12,03-12,(P)31-12,(P)32-12,(P)33-12,(P)35-12,(P)36-12
01-63,02-63,03-63,(P)31-63,(P)32-63,(P)33-63,(P)35-63,(P)36-63
COTTON
Cotton
INSURABLE CROPS
90-15
90-2
90-3
90-2
90-2
90-6
90-4
90-4
(P)31-14,90-17
90-4
90-3
90-7
90-2
90-4
CRANBERRIES CUCUMBERS FIGS
(P)31,90
(P)31,(P)90PY
(P)31-4,90-4
90-16
90-3
FLAX
CROPINSURANCE TODAY®
41
Seeding
Production
STATE Forage
Alabama
90-5
Alaska
(P)31-6,90-6
Arizona
Arkansas
50-10
(P)31-25,90-25
California
(P)31-2,90-2
Colorado 13-63
Connecticut
Delaware
Florida
Georgia
Hawaii
(P)31-5,90-5
Idaho
04-2,(P)31-2,90-2
Illinois
Indiana
50-85
(P)31-85,90-85
Iowa
13
Kansas
Kentucky
Louisiana
50-2
90-2
Maine
50-10
90-10
Maryland
Massachusetts
50-8
(P)31-23,90-23
Michigan
50-84
04-37,(P)31-84,90-84
Minnesota
Mississippi
Missouri
50
(P)31,90
Montana
50-8
13
(P)31-9,90-9
Nebraska
50-4
(P)31,90
Nevada
New Hampshire
50-16
90-16
New Jersey
New Mexico
50-8
(P)31-8,90-8
New York
North Carolina
50
(P)31,90
13
North Dakota
Ohio
13
Oklahoma
(P)31-2,90-2
Oregon
50-66
Pennsylvania
04-25,(P)31-66,90-66
Rhode Island
South Carolina
50
South Dakota
13
(P)31,90
Tennessee
Texas
13
Utah
50-17
(P)31-17,90-17
Vermont
50-1
Virginia
Washington
(P)31-3,90-3
West Virginia
Wisconsin
50
04-59,(P)31,90
Wyoming
50
(P)31,90
FORAGE
90-9
90-1
90-2
(P)31-31,90-31
90-1
(P)31-6,90-6
(P)31-18,90-18
90-8
(P)31-14,90-15
(P)31-2,90-2
90-1
(P)31-3,90-3
(P)31-12,90-12
90-3
90-1
90-2
90-1
(P)31-4,90-4
Table
Grapes
Grapes
GRAPES
(P)31-2,(P)90-2
(P)31-8,(P)90-8
GRASS
SEED
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
82
82
82
82
82
82
82
82
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
82
Feeder
Fed
Cattle Dairy
CATTLE
LIVESTOCK
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
81
LAMB
81,82
81,82
81,82
81,82
81,82
81,82
81,82
82
82
82
81,82
81,82
81,82
81,82
81,82
81,82
81,82
82
82
81,82
82
81,82
81,82
81,82
81,82
81,82
82
82
81,82
81,82
81,82
81,82
81,82
82
81,82
81,82
81,82
81,82
81,82
81,82
81,82
81,82
81,82
82
82
81,82
81,82
81,82
SWINE
50-3,90-3
MACADAMIA
NUTS/TREES
INSURABLE CROPS
(P)31-2,90-2
(P)31-26,90-26
(P)31-2,(P)90-2PY
(P)31-13,90-13
(P)31-10,90-10
(P)31-16,90-16
MILLET
90-4
(P)31-6,90-6
(P)31-4,90-10
90-1
90-3
(P)31-5,90-5
90-4
MINT
90-7
90-1
(P)31-14,(P)90-18PY
(P)31-11,90-11
90-13
MUSTARD
42
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
(P)31-21,90-21
90-1
(P)50PO
50-5
50-7
(P)50PO
50-44
50
(P)50PO
50
(P)50PO
(P)50PO
50
50
50-45
50-16
50
50
(P)50PO
(P)50PO
50
(P)50PO
(P)50PO
50-31
50
(P)50PO
50
50
50
50-5
50
(P)50PO
50
(P)50PO
(P)50PO
50
50-40
50
(P)50PO
(P)50PO
50
(P)50PO
50
(P)50PO
50
50-10
50
(P)50-102PO
(P)50PO
50
50
50
(P)31-8,90-13
(P)31-7,90-24
(P)31-16,90-27
(P)31,90
(P)31-17,90-17
(P)31-37,90-37
(P)31,90
90-1
(P)31-112,90-113
90-14
(P)31-46,90-46
(P)31-82,90-82
(P)31,(P)90PY
(P)31-19,90-37
(P)31-16,90-51
(P)31-1,90-25
(P)31-66,90-66
(P)31-4,90-4
(P)31-66,90-66
(P)31-84,90-84
90-1
(P)31-7,90-15
(P)31-52,90-52
(P)31-82,90-82
90-2
90-10
(P)31,90
(P)31-6,90-6
(P)31-28,90-41
(P)31-28,90-28
90-2
(P)31,90
(P)31-92,90-92
(P)31-8,90-11
(P)31-81,90-81
90-13
90-19
(P)31-8,90-15
OATS
NURSERY
90-13
OLIVES
(P)31-6,90-6
(P)31-14,90-14
90-3
(P)31-6,90-6
90-3
(P)31-12,(P)90-12NS
(P)31-3,90-3
90-13
90-2
(P)31-4,90-4
(P)31-14,90-14
(P)31-8,90-8
(P)31-9,90-9
90-3
ONIONS
(P)90
Papaya
(P)40CV
Tree
PAPAYA
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13-23
(P)13
(P)13
(P)13
(P)13
(P)13-114
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13-98
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13
(P)13-63
(P)13
(P)13
(P)13
(P)13
(P)13
PASTURE
RANGELAND
FORAGE
90-7
90-1
90-5
90-4
90-8
Fresh
Freestone
(P)31-4,90-5
01-10,02-10,03-10,(P)31-10.(P)32-10,(P)33-10
01-82,02-82,03-82,(P)31-82,(P)32-82,(P)33-82
90-10
(P)31-21,90-21
90-1
(P)31-17,90-17
01-27,02-27,03-27,(P)31-27,(P)32-27,(P)33-27
(P)31-30,90-30
90-1
(P)31-14,90-14
01-36,02-36,03-36,(P)31-36,(P)32-36,(P)33-36
01-3,02-3,03-3,(P)31-3,(P)32-3,(P)33-3
01-27,02-27,03-27,(P)31-27,(P)32-27,(P)33-27
01-1,02-1,03-1
01-24,02-24,03-24,(P)31-24,(P)32-24,(P)33-24
01-77,02-77,03-77,(P)31-77,(P)32-77,(P)33-77
01-8,02-8,03-8
90-4
90-8
01-28,02-28,03-28,(P)31-28,(P)32-28,(P)33-28
90-10
01-32,02-32,03-32,(P)31-32,(P)32-32,(P)33-32
PEANUTS
(P)31-6,90-6
(P)31-17,90-17
90-1
(P)31-8,90-8
90-12
90-2
(P)31-5,90-6
90-4
(P)31-9,90-9
90-2
90-5
(P)31-4,90-4
(P)31-16,90-16
(P)31-3,90-3
90-2
90-15
(P)31-7,90-7
Peaches
PEACHES
Processing Processing
Cling
Freestone
INSURABLE CROPS
CROPINSURANCE TODAY®
43
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
90-12
90-7
90-1
90-9
PEARS
PEAS
(P)31-1,90-1
01-11,02-11,03-11,(P)31-8,(P)32-8,(P)33-8
(P)31-27,90-27
(P)31-3,90-3
(P)01PY,(P)02PY,(P)03PY,(P)31,(P)32,(P)33
01-33,02-33,03-33,(P)31-33,(P)32-33,(P)33-33
(P)31-13,90-13
90-1
01-8,02-8,03-8,(P)31-8,(P)32-8,(P)33-8,90-11
(P)31-2,90-2
Dry
(P)31-43,90-43
(P)31-9,90-16
(P)31-3,90-3
90-10
(P)31-17,90-17
90-1
(P)31-35,90-35
90-1
(P)31-7,90-7
(P)31-6,90-6
(P)31-20,90-20
(P)31-8,90-8
(P)31,90
Green
41-16
41-6
41-6
41-2
41-1
41-77
41-4
41-5
41-21
PECANS
50-13
PEPPERS
(P)90-1
(P)90-21
(P)90-2
PISTACHIOS
90-4
90-5
90-4
90-10
PLUMS
01-5,02-5,03-5,(P)31-3,(P)32-3,(P)33-3
01-1,02-1,03-1
POPCORN
04-58,05-58,06-58
01-5,02-5,03-5,04-27,05-27,06-27,(P)31-5,(P)32-5,(P)33-5
04-6,05-6,06-6
01-25,02-25,03-25,04-65,05-65,06-65,(P)31-25,(P)32-25,(P)33-25
01-62,02-62,03-62,04-41,05-41,06-41,(P)31-62,(P)32-62,(P)33-62
01-17,02-17,03-17,04-62,05-62,06-62,(P)31-17,(P)32-17,(P)33-17
01-3,02-3,03-3,04-38,05-38,06-38,(P)31-3,(P)32-3,(P)33-3
04-60,05-60,06-60
01-4,02-4,03-4,04-34,05-34,06-34,(P)31-1,(P)32-1,(P)33-1
01-18,02-18,03-18,04-95,05-95,06-95,(P)31-18,(P)32-18,(P)33-18
01-49,02-49,03-49,04-84,05-84,06-84,(P)31-49,(P)32-49,(P)33-49
01-25,02-25,03-25,04,05,06,(P)31-25,(P)32-25,(P)33-25
INSURABLE CROPS
44
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
(P)31-17,90-17
90-2
90-2
(P)31-13,90-13
90-19
90-5
90-6
90-4
(P)31-14,90-15
(P)31-10,90-10
(P)31-25,90-25
90-1
90-3
(P)31-14,90-14
(P)31-1,90-13
90-2
90-2
(P)31-8,90-8
90-13
(P)31-1,90-1
(P)31-5,90-5
90-3
90-2
(P)31-32,90-32
(P)31-26,90-26
90-1
90-3
90-4
(P)31-26,90-26
(P)31-4,90-6
(P)31-9,90-9
90-1
90-2
(P)31-11,90-11
90-3
90-3
90-2
POTATOES
(P)31-14,90-14
PRUNES
(P)31-11,90-11
PUMPKINS
50-7
RAISINS
(P)31-6,90-6
(P)31-5,90-5
Cultivated
Wild Rice
(P)31-14,55-14
(P)31-6,55-6
(P)31-5,55-5
Hybrid
Seed Rice
RICE
Rice
01-1,02-1,03-1,(P)31-1,(P)32-1,(P)33-1
01-23,02-23,03-23,04-1,05-1,06-1,16-16,(P)31-22,(P)32-22,(P)33-22
01-1,02-1,03-1,(P)31-1,(P)32-1,(P)33-1
01-17,02-17,03-17,04-2,05-2,06-2,16-12,(P)31-17,(P)32-17,(P)33-17
01-11,02-11,03-11,16-6,(P)31-8,(P)32-8,(P)33-8
01-30,02-30,03-30,04-5,05-5,06-5,16-21,(P)31-30,(P)32-30,(P)33-30
01-2,02-2,03-2,(P)31-2,(P)32-2,(P)33-2
01-3,02-3,03-3
01-38,02-38,03-38,04-19,05-19,06-19,(P)31-37,(P)32-37,(P)33-37
01-13,02-13,03-13,04-6,05-6,06-6,16-9,(P)31-13,(P)32-13,(P)33-13
INSURABLE CROPS
CROPINSURANCE TODAY®
45
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
90-2
90-3
(P)31-13,90-13
(P)31-6,90-6
(P)31-21,(P)90-21PY
90-4
RYE
(P)31-5,90-5
(P)31-10,90-10
(P)31-21,(P)90-21PY
(P)31-23,90-23
(P)31-8,90-10
(P)31-14,90-14
SAFFLOWER
90-4
SAGE
(P)31-34,(P)90-34
(P)31-15,(P)90-15
(P)90-4
SESAME
SORGHUM
01-1,02-1,03-1
01-79,02-79,03-79,(P)31-25,(P)32-25,(P)33-25
01-33,02-33,03-33,(P)31-33,(P)32-33,(P)33-33
01-59,02-59,03-59,(P)31-59,(P)32-59,(P)33-59
01-25,02-25,03-25,(P)31-25,(P)32-25,(P)33-25
01-196,02-196,03-196,04-18,05-18,06-18,(P)31-196,(P)32-196,(P)33-196
01-57,02-57,03-57,(P)31-1,(P)32-1,(P)33-1
01-2,02-2,03-2,(P)31-1,(P)32-1,(P)33-1
01-10,02-10,03-10,(P)31-10,(P)32-10,(P)33-10
01-17,02-17,03-17
01-81,02-81,03-81,(P)31-81,(P)32-81,(P)33-81
(P)01-1PY,(P)02-1PY,(P)03-1PY,(P)31-1,(P)32-1,(P)33-1
01-1,02-1,03-1
01-69,02-69,03-69,(P)31-69,(P)32-69,(P)33-69
01-74,02-74,03-74,(P)31-74,(P)32-74,(P)33-74
01-30,02-30,03-30,(P)31-30,(P)32-30,(P)33-30
01-92,02-92,03-92,(P)31-92,(P)32-92,(P)33-92
01-16,02-16,03-16,(P)31-16,(P)32-16,(P)33-16
01-46,02-46,03-46,(P)31-46,(P)32-46,(P)33-46
01-10,02-10,03-10,(P)31-8,(P)32-8,(P)33-8
01-4,02-4,03-4,(P)31-3,(P)32-3,(P)33-3
01,02,03,04-27,05-27,06-27,(P)31,(P)32,(P)33
01-16,02-16,03-16,(P)31-16,(P)32-16,(P)33-16
01-25,02-25,03-25,(P)31-25,(P)32-25,(P)33-25
01-2,02-2,03-2,(P)31-2,(P)32-2,(P)33-2
01-5,02-5,03-5,(P)31-3,(P)32-3,(P)33-3
01-82,02-82,03-82,(P)31-82,(P)32-82,(P)33-82
01-4,02-4,03-4
01-37,02-37,03-37,(P)31-37,(P)32-37,(P)33-37
01-5,02-5,03-5
01-18,02-18,03-18,(P)31-18,(P)32-18,(P)33-18
01-37,02-37,03-37,(P)31-16,(P)32-16,(P)33-16
Grain Sorghum
INSURABLE CROPS
(P)31-19,55-19
(P)31-2,55-2
(P)31-5,55-5
Hybird
Sorghum Seed
(P)31-49,(P)90-49
(P)31-3,(P)90-3
(P)31-6,(P)90-6
(P)31-37,(P)90-37
(P)31-2,(P)90-2
Silage
Sorghum
46
FEBRUARY2016
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
01-3,02-3,03-3,(P)31-3,(P)32-3,(P)33-3
01-86,02-86,03-86,(P)31-86,(P)32-86,(P)33-86
01-1,02-1,03-1
01-10,02-10,03-10,(P)31-10,(P)32-10,(P)33-10
01-66,02-66,03-66,04-45,05-45,-6-45,(P)31-66,(P)32-66,(P)33-66
01,02,03,04-10,05-10,06-10,(P)31,(P)32,(P)33
01-48,02-48,03-48,04-20,05-20,06-20,(P)31-48,(P)32-48.(P)33-48
01-76,02-76,03-76,04-13,05-13,06-13,(P)31-76,(P)32-76,(P)33-76
01-79,02-79,03-79,(P)31-79,(P)32-79,(P)33-79
01-39,02-39,03-39,(P)31-39,(P)32-39,(P)33-39
01-89,02-89,03-89,04-27,05-27,06-27,(P)31-89,(P)32-89,(P)33-89
(P)01-44PY,(P)02-44PY,(P)03-44PY,(P)31-44,(P)32-44,(P)33-44
01-85,02-85,03-85,04-57,05-57,06-57,(P)31-85,(P)32-85,(P)33-85
01-62,02-62,03-62,(P)31-62,(P)32-62,(P)33-62
01-1,02-1,03-1
01-51,02-51,03-51,(P)31-51,(P)32-51,(P)33-51
01-14,02-14,03-14,(P)31-14,(P)32-14,(P)33-14
01-79,02-79,03-79,04-41,05-41,06-41,(P)31-79,(P)32-79,(P)33-79
01-58,02-58,03-58,04-36,05-36,06-36,(P)31-58,(P)32-58,(P)33-58
01-82,02-82,03-82,04-56,05-56,06-56,(P)31-82,(P)32-82,(P)33-82
01-76,02-76,03-76,(P)31-76,(P)32-76,(P)33-76
01-101,02-101,03-101,04-73,05-73,06-73,(P)31-101,(P)32-101,(P)33-101
01-22,02-22,03-22,(P)31-22,(P)32-22,(P)33-22
01,02,03,04-97,05-97,06-97,(P)31,(P)32,(P)33
01,02,03,04-85,05-85,06-85,(P)31,(P)32,(P)33
01,02,03,04,05,06,16,(P)31,(P)32,(P)33
01,02,03,(P)31,(P)32,(P)33
01-84,02-84,03-84,04-25,05-25,06-25,(P)31-84,(P)32-84,(P)33-84
01-46,02-46,03-46,(P)31-46,(P)32-46,(P)33-46
01,02,03,(P)31,(P)32,(P)33
01-20,02-20,03-20,(P)31-20,(P)32-20,(P)33-20
01-124,02-124,03-124,(P)31-124,(P)32-124,(P)33-124
01-9,02-9,03-9,(P)31-9,(P)32-9,(P)33-9
01-47,02-47,03-47,(P)31-47,(P)32-47,(P)33-47
01-58,02-58,03-58,(P)31-58,(P)32-58,(P)33-58
SOYBEANS
(P)47-6
STRAWBERRIES
(P)31-7,(P)90-7NS
(P)31-1,(P)90-1NS
(P)31-2,(P)90-2NS
(P)31-9,(P)90-9NS
01-4,02-4,03-4,(P)31-2,(P)32-2,(P)33-2
01-32,02-32,03-32,(P)31-32,(P)32-32,(P)33-32
01-52,02-52,03-52,(P)31-52,(P)32-52,(P)33-52
01-2,02-2,03-2,(P)31-2,(P)32-2,(P)33-2
(P)01-PY,(P)02-PY,(P)03PY,(P)31,(P)32,(P)33
01-13,02-13,03-13,(P)31-1,(P)32-1,(P)33-1
01-31,02-31,03-31,(P)31-31,(P)32-31,(P)33-31
(P)31-12,(P)90-12NS
(P)31-14(P)90-14NS
01-70,02-70,03-70,(P)31-70,(P)32-70,(P)33-70
01-17,02-17,03-17,(P)31-17,(P)32-17,(P)33-17
SUNFLOWERS
01-32,02-32,03-32,(P)31-32,(P)32-32,(P)33-32
(P)31-3,90-3
(P)31-24,90-24
(P)31-4,90-4
SUGARCANE
(P)31-16,(P)90-16NS
(P)31-32,(P)90-32NS
(P)31-16,(P)90-16NS
90-1
(P)31-10,(P)90-10NS
SUGAR BEETS
INSURABLE CROPS
90-9
SWEET
POTATOES
(P)31-5,90-7
(P)31-23,90-23
(P)31-57,90-57
(P)31-9,90-10
(P)31-25,90-25
(P)31-5,90-5
(P)31-108,90-108
(P)31-15,90-15
Burley
90-11
(P)31-3,90-3
(P)31-2,90-2
Cigar
Binder
TOBACCO
TOBACCO
CROPINSURANCE TODAY®
47
STATE
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
90-3
Cigar
Filler
90-3
90-2
Cigar
Wrapper
90-2
(P)31-25,90-25
90-3
90-4
90-19
90-1
90-4
50-16,90-3
90-5
90-5
90-7
90-1
90-1
90-16
(P)31-11,90-11
90-6
01-45,02-45,03-45,(P)31-45,(P)32-45,(P)33-45
01,02,03,04-29,05-29,06-29,16-23,(P)31,(P)32,(P)33
01-65,02-65,03-65,04-4,05-4,06-4,(P)31-65,(P)32-65,(P)33-65
01-201,02-201,03-201,04-48,05-48,06-48,(P)31-201,(P)32-201,(P)33-201
01-23,02-23,03-23,(P)31-23,(P)32-23,(P)33-23
01-2,02-2,03-2
01-78,02-78,03-78,(P)31-78,(P)32-78,(P)33-78
01-29,02-29,03-29,(P)31-29,(P)32-29,(P)33-29
01-21,02-21,03-21,(P)31-21,(P)32-21,(P)33-21
01-58,02-58,03-58,(P)31-58,(P)32-58,(P)33-58
01-16,02-16,03-16,(P)31-16,(P)32-16,(P)33-16
01-10,02-10,03-10,(P)31-10,(P)32-10,(P)33-10
01-14,02-14,03-14,(P)31-14,(P)32-14,(P)33-14
01-27,02-27,03-27,(P)31-27,(P)32-27,(P)33-27
01-82,02-82,03-82,04-8,05-8,06-8,(P)31-82,(P)32-82,(P)33-82
(P)01PY,(P)02PY,(P)03PY,04-41,05-41,06-41,16,(P)31,(P)32,(P)33
01-76,02-76,03-76,04-26,05-26,06-26,(P)31-76,(P)32-76,(P)33-76
01-73,02-73,03-73,04-20,05-20,06-20,(P)31-73,(P)32-73,(P)33-73
01-30,02-30,03-30,(P)31-30,(P)32-30,(P)33-30
01-57,02-57,03-57,(P)31-57,(P)32-57,(P)33-57
90-5
01-42,02-42,03-42,(P)31-42,(P)32-42,(P)33-42
01,02,03,04-24,05-24,06-24,(P)31,(P)32,(P)33
01-91,02-91,03-91,04-5,05-5,06-5,(P)31-91,(P)32-91,(P)33-91
01-50,02-50,03-50,(P)31-50,(P)32-50,(P)33-50
01,02,03,04-79,05-79,06-79,(P)31,(P)32,(P)33
01-67,02-67,03-67,04-5,05-5,06-5,(P)31-67,(P)32-67,(P)33-67
01-36,02-36,03-36,(P)31-36,(P)32-36,(P)33-36
01,02,03
01-23,02-23,03-23,04-4,05-4,06-4,(P)31-23,(P)32-23,(P)33-23
01,02,03,(P)31,(P)32,(P)33
01-20,02-20,03-20,(P)31-20,(P)32-20,(P)33-20
01-128,02-128,03-128,(P)31-128,(P)32-128,(P)33-128
01-59,02-59,03-59,(P)31-59,(P)32-59,(P)33-59
01-2,02-2,03-2
01-11,02-11,03-11,(P)31-11,(P)32-11,(P)33-11
01-45,02-45,03-45,04-17,05-17,06-17,(P)31-45,(P)32-45,(P)33-45
01-35,02-35,03-35,(P)31-35,(P)32-35,(P)33-35
01-40,02-40,03-40,04-6,05-6,06-6,(P)31-40,(P)32-40,(P)33-40
WHEAT
01-65,02-65,03-65,04-16,05-16,06-16,(P)31-65,(P)32-65,(P)33-65
01-81,02-81,03-81,04-18,05-18,06-18,16-34,(P)31-81,(P)32-81,(P)33-81
01-64,02-64,03-64,04-4,05-4,06-4,(P)31-64,(P)32-64,(P)33-64
01-96,02-96,03-96,04-31,05-31,06-31,(P)31-96,(P)32-96,(P)33-96
01-54,02-54,03-54,04-25,05-25,06-25,16-22(P)31-54,(P)32-54,(P)33-54
01-83,02-83,03-83,04-26,05-26,06-26,(P)31-83,(P)32-83,(P)33-83
01-12,02-12,03-12,(P)31-12,(P)32-12,(P)33-12
(P)31-26,90-26
WALNUTS
(P)31-5,90-6
90-7
(P)31-22,90-22
90-2
(P)31-17,90-17
Tomatoes
TOMATOES
Fresh Market
90-7
(P)31-13,90-13
(P)31-63,90-63
90-5
Maryland
(P)31-9,90-9
(P)31-22,90-22
(P)31-7,90-8
(P)31-37,90-37
TOBACCO
Dark Air &
Flue Cured
Fire Cured
cont’d TOBACCO
INSURABLE CROPS
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
(P)76
WHOLE FARM
REVENUE
PROTECTION
48
FEBRUARY2016
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multi-task on your iPad® right from
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Coverage underwritten by Great American Insurance Company, an authorized insurer in fifty (50) states
and the District of Columbia. Great American is an equal opportunity provider and employer. iPad® is a
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800.776.4045 | www.RainHail.com
This institution is an equal opportunity provider and employer.