Area Plans

Area-based Plans

Adding area-based coverage to your underlying policy can help bridge the gap between profit and loss, especially in a year of high input costs and low commodity prices. Our highly trained insurance specialists and proprietary tools can help you build a risk management plan to preserve your working capital.

Margin Protection

Margin Protection (MP) provides coverage against an unexpected decrease in operating margin.

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Enhanced Coverage Option

Area-based coverage that can be added on top of your individual coverage - used with Revenue Protection (RP), RP with Harvest Price Exclusion (RP-HPE), Yield Protection (YP) and Actual Production History (APH).

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Supplemental Coverage Option

Adds area-based coverage on individual insurance plans. You must have underlying RP, RPHPE or YP policy in place and be enrolled in Price Loss Coverage program under the Farm Bill.

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Area Revenue Protection

Area Revenue Protection is a county-based policy that protects against widespread loss of revenue, yield or a combination of both.

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Free Guide: Strategies for Navigating Narrow Margins in 2025

With high input costs and low crop prices, now is the time to be proactive with your crop insurance strategy. This guide explains why sticking to old practices is risky and why you should consider area plans like Enhanced Coverage Option (ECO), Supplemental Coverage Option (SCO), and Margin Protection (MP).

This guide also includes:

How area plans can offer better financial protection under current market conditions.
Examples of adding area plan coverage to an underlying MPCI policy.
Questions to help you reevaluate your risk management strategy.

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Podcast about Area Plans

Members of our experienced crop insurance team discuss how crop insurance and marketing goals can work together to provide the best financial return.

Crop Insurance: Considering Area Plans

Area plans or county-based plans can help bridge the gap between profit and loss. Learn more about area plans, and why the current price environment makes these plans an option that can help give you peace of mind.