Insurance Products

Actual Production History (APH)

Actual Production History (APH) policies insure producers against losses from natural causes including hail, wind, frost, insects, disease, drought, or excessive moisture. The producer can select the amount of average yield to insure (between 50-85%), as well as the percent of the predicted price (between 50-100% of the crop price).

If the harvest plus an appraised production is less than the yield insured, the producer will be paid an indemnity. The indemnity is based on multiplying the difference by the insured percentage of the price selected by the insured share.