Crop
Insurance
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Crop insurance is a necessity for today's farmers and other agricultural producers. It secures protection in the event of natural disasters damaging or destroying your crops.The loss of the expected revenue and lower-than-guaranteed yields that are sustained as a result of such occurrences are additional crop insurance protections that should be considered.

Three core Crop Insurance products are available in the event of catastrophe. They include Multi-Peril Crop Insurance, Crop-Hail Insurance and Pasture/Rangeland/Forage Rainfall Index Insurance. Learn more about each of these below and reach out to one of our crop insurance agents with any questions you may have.
  • Non-Discrimination Notice

    In accordance with Federal law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices, and employees, and institutions participating in or administering USDA programs are prohibits from discriminating on the basis of race, color, national origin, religion, sex, gender identity (including gender expression), sexual orientation, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs).

Multi-Peril Crop Insurance (MPCI)

MPCI is an important line of defense against low yields due to all weather phenomena. This public-private partnership shares risk between the federal government and private insurance providers to safeguard your revenue stream. MPCI must be purchased before crops are planted. Some policies can be written to include price protection, offering you a reliable return on your production. At Sharpe Insurance, we will learn your business and come up with a policy that is right for you and your farm.
  • Revenue Protection

    This layer of MPCI protection insures the policyholder against yield losses due to natural disasters, loss in revenue due to decline in market value or a combination of the two.

  • Yield Protection

    This type of policy protects against a weather related disaster and loss in production that is below what would typically be expected and guaranteed.   

Crop-Hail Insurance

  • Hail Insurance

    Hail insurance can be purchased any time during the growing season. Hail can be a catastrophic weather event that wipes out entire planted fields. Hail insurance can be a good option for high-yielding crops that can be damaged during bouts of hail. 

  • Green Snap

    This additional crop-hail endorsement insures the policyholder should high winds cause the breakage of the stalk of a crop, killing its chances of producing yields.

  • Extra Harvest Expense

    When high winds cause stalks to be blown over, there is a signficant cost added on to harvesting the damaged crops. This policy addition compensates a farmer in these circumstances should the damaged crop meet the necessary criteria.

Pasture/Rangeland/Forage Rainfall Index Insurance (PRF)

Having adequate rainfall is just important for livestock producers as it is for the farmer. Rain quantity greatly impacts the amount of forage that can be grown to sustain livestock herds. This type of insurance is designed to protect against losses on forage that is produced for grazing or would later be harvested as hay for consumption by livestock. When not enough precipitation is received during prime growing seasons, this product offers a safety net allowing the livestock producer to buy feed.

At Sharpe Insurance, we know that farmers and ranchers don’t hold office hours. Whether you want to meet in the shop or next to the combine, we will make buying an insurance policy convenient and cost-efficient. Give us a call today.