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Supplemental Coverage Option Crop Insurance

SCO crop insurance is area-based coverage that can be added on top of your individual coverage.

SCO Crop Insurance Overview

Understanding Supplemental Coverage Option (SCO)

Producers can elect Supplemental Coverage Option (SCO) on their underlying Multi-Peril Crop Insurance (MPCI) policy for any farm they do not enroll in the Agricultural Risk Coverage program in a given year.

SCO provides area-based coverage on top of their individual Revenue Protection, Yield Protection or Actual Production History plan up to 86%.

Whatever the individual policy, SCO will pay when the county experiences either a yield or revenue loss (depending on the underlying policy) regardless of whether the producer has a loss on their underlying policy.

Watch the video to learn more.

How SCO Coverage Works

First, purchase an Actual Production History (APH), 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

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).

How SCO Works

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Purchase Underlying Policy

You must first purchase an Actual Production History (APH), Yield Protection (YP), Revenue Protection (RP), or Revenue Protection with the Harvest Price Exclusion policy (RPHPE).

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SCO Coverage

The amount of SCO coverage depends on the liability, coverage level and approved yield for your underlying policy.

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SCO Payments

Your underlying policy pays out on an individual basis, while SCO pays on an area basis when the county average revenue falls below 86% of its expected level.

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

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.