Supplemental Coverage Option (SCO) Crop Insurance

Product Overview

Understanding Supplemental Coverage Option

Supplemental Coverage Option (SCO) is an endorsement that provides additional protection for your existing insurance coverage.

How SCO Works

First, purchase a Yield Protection (YP), Revenue Protection (RP), or Revenue Protection with the Harvest Price Exclusion policy (RPHPE).

Your underlying coverage will determine your SCO coverage.

Yield Protection = SCO covers yield loss
Revenue Protection = SCO covers revenue loss

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Benefits

While your underlying coverage pays on an individual basis, SCO pays on an area basis. Payment is triggered by a decrease in county-level yield or revenue.

Coverage Level

Get up to 86% coverage.

Premiums

The premium for SCO is based on several factors including the crop, county, coverage level, and type of coverage you select as your underlying policy.

Eligible Crops

SCO is available for more than 50 different crops: Corn, soybeans, wheat, grain sorghum, forage production, barley, canola, sunflowers, dry beans, dry peas, sugarbeets, potatoes, oats, flax, apples, sweet corn, silage sorghum, rye, alfalfa seed, cultivated wild rice, and buckwheat.
Paid when actual yield is less than the production guarantee due to a covered peril.

Additional Coverages

You cannot participate in both ECO and Agriculture Risk Coverage (ARC) on the same acres. If you take out an SCO policy on the same acres as ARC, your SCO policy will be canceled. You must report the crop as covered by ARC on your acreage reporting through the Farm Service Agency or forfeit 20% of your SCO premium on that crop.

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).

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. They don't sell property, casualty or life insurance.

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Financial Knowledge

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

Agriculture Focused

Personalized support and financial insights from experienced and highly trained agriculture insurance professionals help you make informed decisions.

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Exclusive Tools

Leverage our exclusive policy review and Hail Analyzer tools to receive a personalized insurance plan - maximizing your net indemnity, cash flow, forward market opportunities, and minimizing your premium costs.

Trigger Yield Calculator

Trigger yields assist producers with crop insurance and risk management decisions. Understanding what will trigger loss payments is an important part of choosing the correct level of crop insurance coverage.