Enhanced Coverage Option (ECO) Crop Insurance

ECO Crop Insurance Overview

Understanding Enhanced Coverage Option (ECO)

Enhanced Coverage Option, or ECO, is an insurance product that stacks on top of other coverage and is a cost-effective way to reduce the deductible gap to as small as 5%.

The premium subsidy has been increased to 65%, making Enhanced Coverage Option insurance even more affordable.

Watch the video to learn more.

ECO insurance is area-based coverage that can be added on top of your individual coverage. It can be used with Revenue Protection (RP), RP with Harvest Price Exclusion (RP-HPE), Yield Protection (YP) and Actual Production History (APH).
ECO cannot be used with area-based policies such as Margin Protection (MP) or Area Revenue Protection (ARP).
If your underlying policy is RP of RP-HPE, ECO will insure revenue; if it is YP of APH, ECO will cover yield.
ECO indemnity is based on the county revenue or yield, not what happens on your farm. So it is possible to receive an indemnity on your individual policy, ECO, both or neither. As with other area-based claims, the ECO indemnity will be issued the following year, when RMA publishes county yields.

Available to all qualifying producers regardless of race, color, national origin, religion, sex, 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 of funded by USDA (not all bases apply to all programs).

Key Benefits of Enhanced Coverage Option (ECO) Insurance

1

The premium subsidy has been increased to 65%, making Enhanced Coverage Option insurance even more affordable.

2

Coverage level choices start at 86% and cover to 90% or 95% when stacked with other products.

3

Flexibility to elect either ARC or PLC as your FSA government program.

4

Closing date is same as the underlying policy.

5

ECO can be purchased with or without Supplemental Coverage Option (SCO).

6

Uses the same projected and harvest prices as your underlying individual coverage.

Podcast

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

Enhance Coverage Option (ECO) Coverage

Learn more about Enhance Coverage Option (ECO) coverage and an interesting concept of ECO bundles.

Listen to More Podcasts

Why Work With Us for Crop Insurance

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Dedicated Specialists

Our agents are non-commissioned and focus 100% of their time on crop insurance and livestock insurance — every working day of every week in the year. They don’t sell property, casualty or life insurance.

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Highly Trained

Our insurance officers receive annual training on RMA changes to crop insurance and livestock insurance plans and stay informed throughout the year.

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Financial Expertise

As a lender, we understand financial risk and work to protect your working capital, not just your crop or livestock.

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Exclusive Tools

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