Yield Protection

Why Choose Yield Protection?
With Yield Protection, You can purchase coverage to guarantee yields based on your actual production history (APH). Yield Protection provides protection against losses for most crops from nearly all natural disasters. Less expensive than revenue-based polices, Yield Protection protects against yield and/or quality losses from many different perils, including drought, excess moisture, cold and frost, wildlife, disease and insects. Various coverage levels are available.

Comprehensive protection against weather-related caused of loss and certain other unavoidable perils.
Protects against low yields, poor quality, late planting, replanting cost or when planting is prevented.1
Guarantee is based on produce’s own yield records.
Projected price is determined by the Commodity Exchange Price Provision (CEPP) and its generally available 10 days prior to applicable sales closing date. 

Provides a source of income when low crop yields are caused by covered perils.
Adds security to farm loans and low-level security for marketing plans.
Minimum catastrophic coverage is available, and provisions are available for limited resource farmers.

Available Crops
Wheat, barley, malting barley, corn, grain sorghum, soybeans, cotton, rice, sunflowers and canola/rapeseed.

Loss Triggers 
Yield Protection polices pay when your actual yield falls below the approved guarantee. Losses paid at projected price listed on your summary of coverage.

Yield Protection Example2
Situation: Loss of protection due to drought. 

Actual Production History: 180 bu.
Coverage Level: 75%
Actual Yield: 90 bu.
Market Price: $3.50
Guarantee: APH (180 bu.) x Level (.75) = 135 bu.
Indemnity Payment:
Guaranteed (135) - Actual Yield (90) = 45 bu. Deficit x Proj. 
Price ($3.50) = $157.50/Acre

Not available on all crop policies.
2 All examples assume the policyholder has 100% share of the insured Crop.
Different rounding rules may apply to different calculations and/or products. 
Harvest Risk Management is an equal opportunity insurance provider. 

Non-Discrimination Statement