Quick Links & Resources
Frequently Asked Questions
What types of crop insurance do you offer?
We specialize in Multi-Peril Crop Insurance (MPCI), yield protection, and revenue support tailored specifically for producers in Oklahoma, Kansas and Texas. We provide Multi-Peril, Crop Hail, Annual Forage, Pasture, Rangeland and Forage, Livestock Risk Protection and more.
How are projected harvest prices determined?
Projected prices are established by the RMA using current commodity exchange prices. We provide real-time updates and discovery data to help you understand your coverage levels.
When is the deadline for cotton insurance in Oklahoma?
Deadlines vary by county and crop year. Our agents stay current with all USDA RMA timelines to ensure your applications and reports are submitted accurately and on time.
Can I get a direct quote online?
Yes, you can use our contact form to request a direct quote. Our experts will analyze your actuarial data and provide a customized solution for your operation.
Important Terms & Definitions
A quick reference guide to help Oklahoma and Texas farmers understand key crop insurance concepts and make informed policy decisions.
Basic Unit (BU)
All insurable acreage of the insured crop in the county on the date coverage begins for the crop year (excluding acreage insured as an enterprise unit). A basic unit is either: (1) acreage where you have 100% share, or (2) acreage owned by one person and operated by another on a share basis.
Coverage Level by Practice (LP)
When allowed, you may choose one coverage level for all irrigated acres and a different coverage level for all non‑irrigated acres of the same crop.
Enterprise by Irrigation Practice (EI)
Separate Enterprise Units for Irrigated and Non-Irrigated Practice.
Federal Multi-Peril (MPCI) & Continuous Policy
Broad coverage for natural disasters. Our Continuous Policy remains active year after year unless you cancel by the Termination Date.
Optional Unit (OU)
Smaller units created by splitting basic units when policy rules are met. Losses are adjusted by unit, so coverage can be better when there is a loss. Optional units can be set up by location, crop type, or practice, and must meet rules for separate sections and separate production records.
Price Estimates & Contract Price (CP)
The Projected Price is set before planting. With a Contract Price option, we can use your actual buyer agreement to set your guarantee.
Short Rate
You pay about 40% of the full premium because you were insured from the time the wheat was sown until March 15. Coverage ends on March 15.
Supplemental Coverage Option (SCO)
A county‑level option that adds coverage on top of your underlying policy deductible. It is added as an endorsement to Yield Protection, Revenue Protection, or Revenue Protection with Harvest Price Exclusion.
Termination Date
Premiums must be paid by sales closing date of the following year.
Yield Exclusion (YE)
Lets you exclude an actual yield from your APH when RMA determines the county yield for that year was at least 50% below the average of the previous 10 years. When a year is eligible in a county, producers in neighboring counties may also exclude that year. Separate decisions may be made for irrigated and non‑irrigated acres.
Beginning Farmer Rancher (BFR)
An individual who has not actively operated and managed a farm or ranch with a substantial beneficial interest for more than 10 crop years.
Enhanced Coverage Option (ECO)
An option that provides additional area-based coverage for a portion of your underlying crop insurance policy deductible. The endorsement offers producers a choice of 90 or 95 percent trigger levels. Trigger means the percentage of expected yield or revenue at which a loss becomes payable.
Enterprise Unit (EU)
All insurable acreage of the same crop (or all irrigated or all non‑irrigated acreage of that crop) in the county in which you have a share, if certain rules are met. Ground with 100% share and share‑cropped ground are combined if they are in the same county. Because all acres are grouped together, losses may be smaller than with basic or optional units.
Harvest Price & Quality Loss (QL)
The daily market price at harvest. The Quality Loss (QL) option helps protect you when crop quality drops due to covered causes.
New Producer (NP)
A person who has not been actively engaged in farming for a share of the production of the insured crop in the county for more than 2 APH crop years.
PF – Prevented Planting +5%
An option, when allowed in the actuarial documents, that increases prevented planting coverage by 5%.
Seed Endorsement (SE)
Increases the amount of insurance for a unit by including the cottonseed separated from the lint during ginning. Must be elected by the sales closing date.
STAX Limit
An area‑based insurance product for upland cotton that covers a portion of expected area revenue. It can be bought alone or with another policy as a "companion policy." The federal government pays 80% of the STAX premium.
T-Yield & Yield Adjustment (YA)
The T-Yield is a county average for new folks. Yield Adjustment (YA) lets you substitute 60% of the T‑Yield for low actual yields caused by drought, flood, or other natural disasters in your APH calculation, when elected by the sales closing date.
Yield Cup (YC)
Limits how much your approved APH yield can drop from one year to the next. It prevents the approved APH yield from falling by more than 10% from the prior year's approved APH yield, for eligible databases and years. Not available with CAT policies.
Enterprise by Section (ES)
All insurable acreage of the insured crop in each section where you have a share, combined into one unit per section.
Actual Production History (APH)
Your farm's historical yield record used to determine your insurance guarantee. Based on at least 4 years of production data.
Revenue Protection (RP)
Insurance that protects against loss of revenue due to low prices, low yields, or a combination of both.