Risk Management for Farms
No matter what crops you grow or animals you raise, farming can be risky. Life is unpredictable, and things like weather, fire or other events can put your livelihood at risk.
You need peace of mind for when the unexpected occurs, and Investors Insurance Services, a subsidiary of Investors Community Bank, can help. Our agents understand the insurance needs of farmers and will work with you to get coverage suited to your individual needs.
Best of all, we make it convenient by coming to you. Our ag insurance specialists will help you with everything from choosing coverage to answering questions about your policies to filing a claim.
Crop Insurance (Risk Management)
- Actual Production History (APH) Coverage
- Yield Protection (YP) Coverage
- Revenue Protection (RP) Coverage
- Revenue Protection w ithHarvest Price Exclusion (RP-HPE) Coverage
- Area Revenue Protection
- Area Revenue Protection with the Harvest Price Exclusion
- Area Yield Protection
- Actual Revenue History (ARH)
- Rainfall Index (RI)
- Whole-Farm Revenue Protection (WFRP)
- Supplemental Coverage Option (SCO)
- Catastrophic (CAT) Coverage
- Margin Protection
Livestock Gross Margin
If milk prices fall or feed costs rise, you have a shrinking profit margin. This policy protects against that loss by establishing a minimum on income over feed costs, ensuring the gross margin will not be less than the amount specified on the policy.
Livestock Risk Protection
This policy provides protection from decreases in livestock selling prices while enabling producers to benefit from an increase in market prices.
Dairy Revenue Protection
Dairy Revenue Protection is designed to insure against unexpected declines in the quarterly revenue from milk sales relative to a guaranteed coverage level. The expected revenue is based on futures prices for milk and dairy commodities and the amount of covered milk production elected by the dairy producer. The covered milk production is indexed to the state or region where the dairy producer is located.