Browse Ambrook’s collection of insurances for agricultural operations.

Applying for Coverage
Eligible producers must apply for coverage using form CCC-471, “Application for Coverage,” and pay the applicable service fee at the FSA office where their farm records are maintained. The application and service fee must be filed by the application closing date. 
Application closing dates vary by crop and are established by the FSA State Committee. Contact your local FSA office to verify application closing dates. Producers who apply for NAP coverage acknowledge that they have received the NAP Basic Provisions, available at FSA county offices and at fsa.usda.gov/nap.

NAP provides financial assistance to producers of noninsurable crops when low yields, loss of inventory, or prevented planting occur due to natural disasters.



Eligible Producers
Eligible crops include those for which federal crop insurance is not available, such as fruits, vegetables, aquaculture, floriculture, mushrooms, turfgrass, ginseng, honey, maple sap, and others. Producers must meet specific criteria and comply with all program requirements. Producers are encouraged to check with their local FSA office for specific requirements, application deadlines, and additional program details.

An eligible producer is a landowner, tenant or sharecropper who shares in the risk of producing an eligible crop and is entitled to an ownership share of that crop. An individual’s or entity’s average adjusted gross income (AGI) cannot exceed $900,000 to be eligible for NAP payments. Also, NAP payments received, directly or indirectly, will be attributed to the applicable individual or entity and limited to $125,000 per crop year, per individual or entity for crops with basic (catastrophic) coverage. Any NAP payments received directly or indirectly for crops with additional (buy-up) coverage, will be attributed to the applicable individual or entity and limited to $300,000 per crop year, per individual or entity. (To learn more, visit fsa.usda.gov/limits.) 
Eligible Crops  must be commercially produced agricultural commodities for which crop insurance is not available and be any of the following:
- Crops grown for food
- Crops planted and grown for livestock consumption, such as grain and forage crops, including native forage; Crops grown for fiber, such as cotton and flax (except trees)
- Crops grown in a controlled environment, such as mushrooms and floriculture
- Specialty crops, such as honey and maple sap
- Sea oats and sea grass
- Sweet sorghum and biomass sorghum
- Industrial crops, including crops used in manufacturing or grown as a feedstock for renewable biofuel, renewable electricity or biobased products
- Value loss crops, such as aquaculture, Christmas trees, ginseng, ornamental nursery and turf-grass sod
- Seed crops where the propagation stock is produced for sale as seed stock for other eligible NAP crop production

Eligible Causes of Loss
Eligible causes of loss include the following natural disasters:
- Damaging weather, such as drought, freeze, hail, excessive moisture, excessive wind or hurricanes
- Adverse natural occurrences, such as earthquake or flood
- Conditions related to damaging weather or adverse natural occurrences, such as excessive heat, plant disease, volcanic smog (VOG) or insect infestation.
The damaging weather or adverse natural occurrence must occur during the coverage period, before or during harvest, and must directly affect the eligible crop.

A price safety net or insurance on a product that might face situational changes.

Insurance

- Noninsured Crop Disaster Assistance Program (NAP) Related Information
- Noninsured Disaster Assistance Program Fact Sheet

Coronavirus

Fencing

Trade Relief

Trees

Wildfire

Drought

Flood

Hurricane

Tornado

Emergency

Historically Underserved

Disaster Relief

Weather

Alternative Energy

How It Works
Program Features
Coverage Levels
- Catastrophic Coverage (CAT): Provides coverage at 50% of the approved yield and 55% of the average market price.
- Buy-Up Coverage: Offers higher levels of coverage, up to 65% of the approved yield and 100% of the average market price.
Application Deadline: Producers must apply for coverage by the crop-specific application closing date.
Service Fee: Producers must pay a service fee of $325 per crop per county, not to exceed $825 per producer per county or $1,950 for multi-county producers.
Premiums: For buy-up coverage, additional premiums apply based on the coverage level selected.


PRF policies can be bought from a crop insurance agent by the sales closing date shown for each county in the actuarial documents. A list of crop insurance agents is available at all USDA service centers and on the RMA website at the Agent Locator.

RMA National Office

The Risk Management Agency’s (RMA) Pasture, Rangeland, Forage (PRF) Pilot Insurance Program is designed to provide insurance coverage on pasture, rangeland, or forage acres. The PRF program utilizes a rainfall index to determine precipitation for coverage purposes, and does not measure production or loss of products themselves. The Rainfall Index uses National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) data, which utilizes a grid system to determine precipitation amounts within an area. Each grid is 0.25 degrees in&#x2004;latitude by 0.25 degrees in longitude, which translates to approximately 17 by 17 miles at the equator. Acres will be assigned to one or more grids based on the location to be insured.

The Pasture, Rangeland, and Forage insurance was designed to help protect a producer’s operation from the risks of forage loss due to the lack of precipitation. It is not designed to insure against ongoing or severe drought, as the coverage is based on precipitation expected during specific intervals only.



The Risk Management Agency’s (RMA) Pasture, Rangeland, Forage (PRF) Pilot Insurance Program is designed to provide insurance coverage on pasture, rangeland, or forage acres. The PRF program utilizes a rainfall index to determine precipitation for coverage purposes, and does not measure production or loss of products themselves. The Rainfall Index uses National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) data, which utilizes a grid system to determine precipitation amounts within an area. Each grid is 0.25 degrees in latitude by 0.25 degrees in longitude, which translates to approximately 17 by 17 miles at the equator. Acres will be assigned to one or more grids based on the location to be insured.
The Pasture, Rangeland, and Forage insurance was designed to help protect a producer’s operation from the risks of forage loss due to the lack of precipitation. It is not designed to insure against ongoing or severe drought, as the coverage is based on precipitation expected during specific intervals only.

PRF is available in the 48 contiguous states with the exception of a few grids that cross international borders.
Check the Actuarial Documents to see the deadline for buying PRF policies in your county.

- PRF Decision Tools
- PRF Fact Sheet
- PRF Actuarial Documents
- Agent Locator

Coverage and Claims
Coverage is based on a producer’s selection of coverage level, index intervals, and productivity factor. The index interval represents a two-month period, and the period selected should be the one when precipitation is most important to a producer’s operation. Policyholders can select a coverage level from 70 to 90 percent. The rainfall index does not measure direct production or loss. The producer is insuring a rainfall index that is expected to estimate production.
Producers select a productivity factor to match the amount of protection to the value of the production that best represents the operation and the productive capacity of the producer’s acres. Producers do not have to insure all acres. However, producers cannot insure more than total number of insurable acres.
Insurance payments are determined by using NOAA CPC data for their grid(s) and index intervals that were chosen to insure. When the final grid index falls below the policyholder’s “trigger grid index”, the producer may receive an indemnity. This insurance coverage is for a single peril -- lack of precipitation. Coverage is based on the experience of the entire grid. It is not based on individual farms or ranches or specific weather stations in the general area.
Tools
Producers need to make several choices when insuring their grazing or hay production, including coverage level, index intervals, irrigated practice, productivity factor, and number of acres. Producers should work with their crop insurance agent to view the Grid ID Locator map and index grids for their area, and assign acreage to one or more grids based on the location and use of the acreage to be insured. RMA encourages the use of the Grid ID Locator, historical indices tool, and decision support tools available on RMA’s website to help decide whether PRF is the right insurance coverage for a producer’s operation.

Complete the Proof of Claim form below and contact Evan Boyd (evan.boyd@tn.gov) to submit it.

Evan Boyd

The Tennessee Grain Indemnity Fund was created by an act of the Tennessee General Assembly in 1989 to provide protection for grain producers against the financial failure of grain dealers and warehouses for the purpose of promoting "the state's welfare by improving the economic stability of agriculture."

Tennessee grain producers who suffer losses due to the failure of a grain dealer or warehouse are entitled to compensation from the fund.



The Tennessee Grain Indemnity Fund was created by an act of the Tennessee General Assembly in 1989 to provide protection for grain producers against the financial failure of grain dealers and warehouses for the purpose of promoting "the state's welfare by improving the economic stability of agriculture."
Tennessee grain producers who suffer losses due to the failure of a grain dealer or warehouse are entitled to compensation from the fund.

Row Crops

Alfalfa

Amaranth Grain

Barley

Buckwheat

Canola

Corn

Einkorn

Emmer

Grains

Guar

Indigo

Kenaf

Khorasan

Millet

Mustard

Oats

Oilseeds

Peanuts

Quinoa

Rapeseed

Rice

Safflower

Sorghum

Soybeans

Speltz

Sugar

Sugar Beets

Sunflowers

Teff

Triticale

Wheat

Malting Barley

Sweet Corn

Grain Corn

Crambe

Sesame

Sunflower Seeds

Industrial Rice

Japonica Rice

Long Grain Rice

Medium Grain Rice

Sweet Rice

Wild Rice

Raw Sugars

Refined Sugars

Sugarcane

Durum Wheat

Hard Red Spring Wheat

- Tennessee Commodity Dealer and Warehouse Law
- Commodity Dealer Rules
- Commodity Warehouse Rules

Any claimant who has incurred a financial loss due to a failure of a secured commodity dealer shall be entitled to be compensated for eighty-five percent (85%) of a valid claim, to a maximum of one hundred thousand dollars ($100,000), with moneys from the Tennessee grain indemnity fund subject to a maximum amount of three and one third (3 1/3) percent of the balance of the indemnity fund at the time of the failure.
Any claimant who has incurred a financial loss due to the failure of a warehouseman and who has surrendered a warehouse receipt for payment or holds a warehouse receipt and cannot receive value shall be compensated for one hundred percent (100%) of the claim subject to a maximum amount of three and one third (3 1/3) percent of the balance of the indemnity fund at the time of the failure.
Within ninety (90) days of the commissioner's approval of a valid claim, the department shall compensate from the Tennessee grain indemnity fund any claimant who has incurred a financial loss due to a failure of a commodity dealer or warehouseman. To the maximum extent that funds are or may be available for such purpose, the remaining balance of the claims shall be paid by the department from the assets and other security of the failed dealer.

- Farm Owner Application
- Farm Employee Application

Meg Darnell

The Farmer Fund was [established](https://www.thefarmerfund.org/about) as a safety net for local and organic farmers to overcome setbacks wrought by natural disasters or health crises. The fund is managed by [Georgia Organics](https://www.georgiaorganics.org/) to assist farmers that feed the state of Georgia primarily through farmers markets, Community Supported Agriculture (CSAs), and restaurant sales – a foundational element in the supply chain of healthy food to our local communities.



The Farmer Fund was established as a safety net for local and organic farmers to overcome setbacks wrought by natural disasters or health crises. The fund is managed by Georgia Organics to assist farmers that feed the state of Georgia primarily through farmers markets, Community Supported Agriculture (CSAs), and restaurant sales – a foundational element in the supply chain of healthy food to our local communities.

Georgia farmers facing a natural disaster or medical emergency and in need of emergency support.

Qualifying Natural Disaster Criteria: 
- Any weather-related event including hurricanes, tornados, storms, flooding, wind damage, freezes, excessive heat, etc, that results in significant damage to crops, equipment, or infrastructure. 
- Farm owners must be in business for 6 months before applying. 
- Farm owners must apply within 60 days of the weather event.  

Qualifying Natural Disaster Criteria
- Any medical emergency including physical injury, physical illness, mental illness, or death in the family that results in a sudden and unexpected loss of work and/or income for a farm employee or farm owner.
- Chronic injuries and illness are not covered by this fund. 
- Medical emergencies don’t have to take place at work to qualify.
- Farm owners must have been in business for 6 months before the medical emergency to apply. 
- Farm workers must have been employed for 6 months before the medical emergency to apply. 
- You must apply within 60 days of the medical crisis. 

Requirements:
- Be a Farmer Member of Georgia Organics (for more info on membership, click here)
- Be an established Georgia-based producer/grower (not a reseller).
- Farm using soil-based, sustainable production practices.
- Sell to the public through a farmers market, CSA, wholesale outlet, or restaurants that serve Georgia families.

A lump sum of money for a specific purpose that does not need to be paid back.

Grant

You can buy Whole-Farm Revenue Protection from a crop insurance agent by the sales closing date shown for each county in the actuarial documents at
webapp.rma.usda.gov/apps/actuarialinformationbrowser/. A list of crop insurance agents is available at all USDA service centers and on the RMA website at www.rma.usda.gov/en/Information-Tools/Agent-Locator-Page.

Risk Management Agency

Whole-Farm Revenue Protection (WFRP) provides a risk management safety net for all commodities on the farm under one insurance policy and is available in all counties nationwide. This insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.



Eligibility for WFRP coverage requires you to:
- Be eligible to receive Federal benefits;
- Be a U.S. citizen or resident;
- File either a Schedule F tax form or other farm tax form that can be converted to a Substitute Schedule F for a specified number of years;
- Have no more than $17 million in insured revenue, which is the farm revenue allowed to be insured under the policy multiplied by the coverage level you select (see table above)
    - Coverage of expected revenue from animals and animal products is limited to $2 million;
    - Coverage of expected revenue from greenhouse and nursery is limited to $2 million;
- Have no more than 50 percent of total revenue from commodities purchased for resale;
- Have ‘buy-up’ coverage levels on any Federal crop insurance plans you choose in addition to the WFRP insurance plan;
- Meet the diversification requirements of the policy by having two or more commodities if a commodity you are raising has revenue protection or actual revenue history insurance available; and
- Meet the diversification requirements of the policy by having two or more commodities if there are potatoes on the farm.


- 2023 Whole-Farm Revenue Protection Pilot Handbook (Reissued)
- Whole-Farm Revenue Protection
- RMA Announces Changes to Whole-Farm Revenue Protection Policy for 2020
- Aquaculture Fact Sheet (Oysters, Clams, WFRP)
- Frequently Asked Questions
- Producer Perspectives
- Introduction to WFRP Pilot PowerPoint

Marketing

WFRP is an insurance program with detailed terms regarding coverage and loss. Review the Fact Sheet for full terms.

To enroll in the ARC or PLC programs, agricultural producers can contact their local FSA office or apply for ARC and PLC online. 

The Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC) programs were authorized by the 2014 and 2018 Farm Bills.


If you received a post card from FSA about ARC/PLC enrollment, contact your tenant if you have one or contact your local FSA Office if you don't have a tenant.


**Agriculture Risk Coverage-County (ARC-CO)**: The ARC-CO program provides income support tied to historical base acres, not current&#x2004;production, of covered commodities. ARC-CO payments are issued when the actual county crop revenue of a covered commodity is less than the ARC-CO guarantee for the covered commodity.


**Price Loss Coverage (PLC)**: PLC program payments are issued when the effective price of a covered commodity is less than the respective reference price for that commodity. The effective price equals the higher of the market year average price (MYA) or the national average loan rate for the covered commodity.



The Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC) programs were authorized by the 2014 and 2018 Farm Bills.

If you received a post card from FSA about ARC/PLC enrollment, contact your tenant if you have one or contact your local FSA Office if you don't have a tenant.

Agriculture Risk Coverage-County (ARC-CO): The ARC-CO program provides income support tied to historical base acres, not current production, of covered commodities. ARC-CO payments are issued when the actual county crop revenue of a covered commodity is less than the ARC-CO guarantee for the covered commodity.

Price Loss Coverage (PLC): PLC program payments are issued when the effective price of a covered commodity is less than the respective reference price for that commodity. The effective price equals the higher of the market year average price (MYA) or the national average loan rate for the covered commodity.

Flax

Cotton

Dry Peas

Lentils

Chickpeas

ELS Cotton

Upland Cotton

Pima Cotton

Fibers

Peas

Pulse Crops

Other Commodities

- Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC) Fact Sheet 2018 - 2024
- Appendix to ARC/PLC Contracts
- ARC/PLC Program Data
- ARC/PLC Program Payment Maps

What has changed under the 2018 Farm Bill compared to the 2014 Farm Bill?
- The effective reference price replaces the reference price for calculating benchmark revenues under ARC and payment rates per unit under PLC.
- ARC-county yields are based on data from the Risk Management Agency rather than data from the National Agricultural Statistics Service.
- ARC-county yields are trend adjusted.
- Yield designation status under ARC county increases the number of counties from an “All” type designation to an irrigated/non-irrigated designation.
- Seed cotton was added as a covered commodity and generic base acres were eliminated beginning with the 2018 crop, the last year of the 2014 Farm Bill. Seed cotton continues to be included as a covered commodity under the 2018 Farm Bill.
- Producers may elect for ARC or PLC by covered commodity or ARC-IC for 2019 and 2020 and re-elect each year thereafter through 2023.
- One-time opportunity to update PLC program payment yields that take effect beginning with the 2020 crop year.
- The effective reference price, ARC-county benchmark yields, and ARC-county benchmark prices calculations are based on a one-year lag (i.e., For program year 2019, crop years 2013-2017 will be used to calculate the effective reference price, ARC-county benchmark yields, and ARC-county benchmark prices, and ARC-individual coverage).

To enroll in the Dairy Margin Coverage Program, dairy producers must complete and submit an application to their local FSA office during the specified enrollment period. The application process includes providing production records and selecting the desired coverage level. Detailed enrollment instructions and deadlines are available through the local FSA office. 

Contact your local FSA agent to apply. 

The 2018 Farm Bill authorized the&#x2004;new Dairy Margin Coverage (DMC) program, which is a voluntary risk management program for dairy producers. DMC replaces the Margin Protection Program for Dairy (MPP-Dairy).


DMC continues to offer protection to dairy producers when the difference between the all milk price and the average feed price (the margin) falls below a certain dollar amount selected by the producer.


Decision Tool: The current version of the DMC decision tool has been enhanced and was developed in partnership with in cooperation with representatives from the University of Minnesota and University of Wisconsin to help producers determine the level of coverage under a variety of conditions that will provide them with the strongest financial safety net.


The weekly Dairy Margin Coverage (DMC) Enrollment, Production and Payment report will be updated every Monday at 2:00 PM Eastern.


The program provides:

- Catastrophic coverage, at no cost to the producer, other than an annual $100 administrative fee that is waived in some cases; and

- Various levels of buy-up coverage.



The 2018 Farm Bill authorized the new Dairy Margin Coverage (DMC) program, which is a voluntary risk management program for dairy producers. DMC replaces the Margin Protection Program for Dairy (MPP-Dairy).

DMC continues to offer protection to dairy producers when the difference between the all milk price and the average feed price (the margin) falls below a certain dollar amount selected by the producer.

Decision Tool: The current version of the DMC decision tool has been enhanced and was developed in partnership with in cooperation with representatives from the University of Minnesota and University of Wisconsin to help producers determine the level of coverage under a variety of conditions that will provide them with the strongest financial safety net.

The weekly Dairy Margin Coverage (DMC) Enrollment, Production and Payment report will be updated every Monday at 2:00 PM Eastern.

The program provides:
- Catastrophic coverage, at no cost to the producer, other than an annual $100 administrative fee that is waived in some cases; and
- Various levels of buy-up coverage.

To be eligible for DMC, a dairy operation must:
- Produce and commercially market milk from cows located in the United States; and
- Provide proof of milk production at the time of registration.

Dairy operations may consist of one or more dairy producers who are in the business of commercially producing and marketing milk as a single unit.

Dairy producers who are members of the dairy operation must share in the risk of producing milk and make contributions to the dairy operation that are at least commensurate with their share of the proceeds of the operation.

Dairy operations must be in compliance with highly erodible land and wetland conservation provisions. For more information, visit fsa.usda.gov/compliance. Adjusted gross income provisions do not apply to DMC.

Producers may have more than one dairy operation, but they must be separate and distinct in order to have a separate contract.

Dairy

Butter

Cheese

Milk

Yogurt

Cow Milk

Goat Milk

- Dairy Margin Coverage Fact Sheet
- Dairy Margin Coverage Decision Tool
- Dairy Margin Coverage Program Enrollment Information
- Program Updates and Prices

Certification

Distribution

Diversification

Events

Trade Show

Certified Organic

FSA will generate pre-filled ECAP applications for producers based on their acreage of eligible commodities on FSA-578. Beginning in late-March 2025, FSA will mail those pre-filled applications to producers who had reported their 2024 crop year acreage of eligible commodities by March 10, 2025. Producers with a level 2 eAuthentication account or a login.gov account may complete their application electronically by visiting https://www.fsa.usda.gov/​ecap.
Applicants must submit the FSA-63 ECAP, Emergency Commodity Assistance Program (ECAP) Application, electronically or to their local FSA county office [9]  by August 15, 2025. Applicants will submit one application that includes all eligible acreage in all counties nationwide.
To apply for ECAP, an applicant must have also reported their planted and prevented planted acreage of eligible commodities to FSA on FSA-578 and filed a notice of loss for acres that were prevented from being planted on CCC-576, if applicable. FSA will not accept applications on which producers have manually entered acreage data except in situations where adjustment of eligible acres is required as explained in the Eligible Acreage section of this document.
Producers who had not reported planted and prevented planted acreage on FSA-578 and filed a notice of loss for prevented planted acreage using CCC-576 by March 10, 2025, must submit those forms as described in the Eligible Acreage section of this document by August 15, 2025. Once submitted, FSA will generate a pre-filled ECAP application for the producer to complete and sign.
Applicants must also submit the following eligibility forms to FSA by August 17, 2026, if not already on file with FSA for the 2024 program year:
- AD-2047, Customer Data Worksheet, for new applicants and applicants who need to update their information;
- CCC-901, Member Information for Legal Entities, if applicable;
- CCC-902E, Farm Operating Plan for an Entity; if applicable;
- CCC-902I, Farm Operating Plan for an Individual, if applicable;
- CCC-943, 75% of Average Gross Income from Farming, Ranching, or Forestry Certification, for producers and members of legal entities who are requesting an increase to the payment limitation;
- AD-1026 Highly Erodible Land Conservation (HELC) and Wetland Conservation (WC) Certification, for the producer and affiliated persons, as specified in7 CFR 12.8; and
- SF-3881, ACH Vendor/Miscellaneous Payment Enrollment Form.[10] 


Kathy Sayers

The Farm Service Agency (FSA) is issuing this notice announcing the funding for ECAP, which will provide economic assistance payments to eligible producers of eligible commodities for the 2024 crop year. ECAP is a new FSA program authorized by the American Relief Act, 2025. This notice also announces the eligibility (commodities, acres, producers, and losses), payment calculations, payment limitations, and how to apply (pre-filled application and any required adjustments) for ECAP.



ECAP will use up to $10 billion to issue 1-time economic assistance payments to eligible producers of eligible commodities for the 2024 crop year. These payments are intended to help farmers cope with losses from natural disasters and a difficult farm economy, and will help preserve family farms and ranches across the country while also continuing to ensure food and agricultural security for our nation.

List of Agricultural Insurances