Crop insurance is not part of your farm policy. It is its own contract with its own calendar, and missing one date costs you the season. We track the calendar so you do not have to.
Your farm policy protects what you own. Crop insurance protects what you grow. They are separate contracts written under separate rules, and a claim on one does nothing for the other. The federal program also runs on a fixed calendar: miss the sales closing date and you cannot buy coverage for that crop year at any price. Laramie Reed handles crop for our growers across Champaign and Clark counties, and the work is as much about deadlines and paperwork as it is about the policy itself.
The federal program, plus the private products that fill its gaps.
Yield ProtectionCovers a loss of bushels measured against your actual production history. Pays when your yield falls below the guarantee, whatever the market does.
Revenue ProtectionCovers yield and price movement together. The option most Ohio corn and soybean growers use, because it protects the dollars rather than only the bushels.
Crop-HailA private policy, bought separately and available during the season. Acre-by-acre hail and fire coverage, often with no deductible, sitting alongside your federal policy.
Prevented PlantingBuilt into federal policies. Pays a share of your guarantee when a wet spring keeps you out of the field past the final planting date.
Replant CoverageHelps cover the cost of going back over acres that failed early, when the crop can still be re-established within the policy rules.
Acreage & Production ReportingNot a coverage, but the part that voids policies when it goes wrong. We track your reporting dates and file them with you rather than reminding you afterwards.
The questions Champaign and Clark County growers ask us most.
They are separate contracts covering different things. Your farm policy covers property: buildings, equipment, stored grain, livestock and farm liability. Crop insurance covers the growing crop itself against yield or revenue loss. A claim on one does nothing for the other.
Yes. Premium rates for Multi-Peril Crop Insurance are set by the USDA Risk Management Agency and are the same no matter which agent writes the policy. You are not shopping price. You are choosing who handles your acreage reporting, your deadlines and your claim.
Sales closing for spring-planted corn and soybeans in Ohio falls in mid-March, and coverage cannot be added or changed once it passes. Acreage reporting and production reporting have their own dates later in the season. Call us before the sales closing date for your county rather than after it.
No. Crop-hail is a private product, not federal. It covers hail and usually fire on an acre-by-acre basis, it can be bought during the growing season rather than only at sales closing, and it often carries no deductible. Many growers run it alongside a federal policy to cover the gap.
Federal policies include prevented planting and replant provisions. If conditions keep you out of the field past the final planting date, prevented planting may pay a percentage of your guarantee. Talk to us before you make the call, not after.
Deadline question, or not sure which policy you have? Ask our assistant, bottom right. It can tell you what it knows and put the rest in front of Laramie Reed the same day.
They took the time to visit my property, learn about my business, and show genuine interest in our organizational mission. At first, I was hesitant — but they found coverage that actually made sense for our situation.Bobbi McKee — Verified Google Review
Sales closing is the one deadline nobody can waive. A short conversation now beats a phone call in April.