Protecting your farm today.Securing it for generations.
Drought, hail, a wet spring, a price slide at harvest: you can't control any of it. We build crop and livestock coverage around your operation and your plans, so your family, and your family's family, are taken care of for years to come.
Why the right crop insurance agency makes all the difference
Crop insurance isn't one-size-fits-all, and neither is your operation. As your advisor we can save you money, handle the paperwork, help you avoid costly mistakes, and make sure a claim gets paid when you need it most.
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Coverage customized to you.
We build a plan that helps you meet your goals and fits your operation, not a package off the shelf. One size does not fit all.
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We're independent.
We write with NAU Country, ProAg and RCIS, so we can compare options and recommend what's best for your farm.
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We're crop specialists.
Crop and livestock insurance is all we do. That means deep knowledge of the federal program and the private products that build on it.
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We handle the details.
Acreage reports, production history, deadlines and claims. We keep you on track so nothing slips through the cracks.
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We're there when you need us.
Farming doesn't keep office hours, and neither do we. Call or text any time, or we'll meet you at the kitchen table or the shop.
A plan for your farm, and the family that comes after you
Every operation is different, so every plan we create is too. We customize your coverage levels, units and add-on products to match how you farm and where you want your operation to go.
Our goal is simple: protect what you've built so it can be passed on to your family and your family's family, for generations to come.
Explore the policies that fit your operation
From yield and revenue protection to hail, pasture and cattle, we offer a full range of crop insurance to meet the unique needs of every grower.
MPCI
Multi-peril yield and revenue protection for corn, soybeans, cotton, grain sorghum, wheat and more.
Learn more →PRF
Pasture, Rangeland & Forage: rainfall-index protection for hay and grazing land.
Learn more →Livestock (LRP)
Livestock Risk Protection: a price floor for your cattle against market declines.
Learn more →Crop Hail
Private hail coverage you can buy throughout most of the growing season.
Learn more →Private Products
Add-on coverage from our carriers that fills gaps the federal program leaves behind.
Learn more →Annual Forage
Rainfall-index protection for forage crops planted each year for grazing or hay.
Learn more →Apiculture
Rainfall-index coverage for beekeepers' honey, pollen and wax.
Learn more →Not sure where to start?
Tell us about your operation and we'll recommend the right mix.
Request a quote →We can insure any viable, revenue-producing crop grown on your farm, in all 50 states.
People first. Farmers always.
North America Crop Insurance is an independent agency headquartered in Middle Tennessee, capable of servicing farmers in all 50 states. At North America Crop Insurance, we know our customers and their needs; you are not just a number to us. When you call, you talk to someone who knows you, knows your operation and will see your policy through from sign-up to claim.
Honest, plain-language advice about what your policy does and what it will pay.
Every plan is built around your crops, livestock, acres and long-term goals.
Reminders and help before every sales closing, acreage and production deadline.
We work alongside you and the adjuster from first notice to final payment.
Micah Hull
Micah started North America Crop Insurance with a vision to bring farmers a level of service they've never experienced before. His intention is to sit down with every farmer at their kitchen table, help them understand the coverage that's available, and find how it can best protect their operation.
He takes pride in seeing a farmer truly understand the coverage that protects their farm and family, and in being someone they can call any time with a question.
"Micah is very personal and cares about your family and farm. He really goes the extra mile to make sure you have the right coverage and to maximize your return on your input. He has a Christian attitude and very professional conduct. If he doesn't know the answer, he follows up quickly with an answer to the question. Micah is more than just an agent, he is your friend!"
"Micah has been our insurance agent for 3 years now and has been great to work with. He's responsive and explains policies in a way we can understand. I have never felt in the dark about any policies or agreements, and he has made our overall insurance experience a satisfying one."
Coverage options in detail
Federal crop insurance is subsidized by USDA and sold through approved carriers like the ones we represent. Here's an overview of what we offer. Call us to talk through which fits your operation.
Multi-Peril Crop Insurance
The foundation of most farm risk plans. MPCI protects against yield and revenue losses from natural causes, including drought, excess moisture, freeze, hail, wind, insects and disease. With revenue plans, it also covers a drop in market price.
- Revenue Protection (RP) covers yield and price loss, and increases your guarantee if the harvest price goes up.
- Yield Protection (YP) protects your production history at a set projected price.
- Add-ons include the Supplemental Coverage Option (SCO), Enhanced Coverage Option (ECO) and prevented-planting coverage.
Pasture, Rangeland & Forage
PRF protects hay and grazing land against lack of rainfall using a NOAA rainfall index for your area. No production records or loss adjustment are needed. You choose the two-month intervals that matter most to your operation, and you're paid when rainfall in your grid falls below normal.
Cattle producers · Hay growers · Pasture ownersLivestock Risk Protection
LRP sets a price floor for your cattle. If the market falls below your coverage price by the end of the endorsement period, you're paid the difference. It's available year-round, so you can buy coverage when it fits your marketing plan.
- Feeder cattle, fed cattle and swine
- Choose your coverage price and endorsement length
- Federally subsidized premiums
Private Crop Hail
Hail can wipe out a field in minutes. Crop Hail is private coverage that pays on a per-acre basis, and it can be purchased throughout most of the growing season, even after the crop is up.
- Fills the gap below your MPCI deductible
- In addition to hail, coverage may include fire and lightning, grain in storage, grain in transit, vandalism and wind
- Fast, field-by-field adjusting
Private Products
Each of our carriers offers private endorsements that build on your federal coverage. Options include boosting price elections, adding shallow-loss protection or covering replant and fire costs. Here are some of the most popular:
NAU Country
- Base Price Modifier (BPM)
- Price Modifier PLUS (PM+)
- EASYrev® & RPowerD®
- EASYeco
- Replant Option
- Pasture Fire
ProAg
- Added Individual Modifier (AIM)
- Increased Coverage Election (ICE)
- Supplemental Replant Coverage
- Crop Fire
- Harvested Tobacco
- Pasture Fire Protection
RCIS
RCIS offers a range of private supplemental products that work alongside your MPCI policy.
All RCIS products →Annual Forage
For crops planted each year for grazing or haying, such as small grains, sorghum-sudan and ryegrass. Like PRF, it uses a rainfall index to trigger payments, so you're protected when dry weather hurts your forage supply.
Apiculture
Rainfall-index coverage for beekeepers. Because forage for bees depends on moisture, the Apiculture program pays when rainfall in your grid falls below normal during the intervals you select, protecting honey, pollen and wax production.
Crop insurance, explained
New to crop insurance, or just want a refresher? Here are the questions we hear most.
How does federal crop insurance work?
The federal crop insurance program is overseen by USDA's Risk Management Agency (RMA) and sold and serviced by approved insurance providers (AIPs) like NAU Country, ProAg and RCIS through agents like us. The government sets the rules and pays a share of your premium; the carrier issues the policy and pays claims.
How much does the government pay toward my premium?
Premium subsidies vary by plan, coverage level and unit structure, often from roughly 38% to 80% or more of the total premium. We'll show you the farmer-paid cost at every coverage level so you can compare.
What is APH and why does it matter?
Actual Production History (APH) is your average yield, based on your production records. Your guarantee is built from it, so accurate records, and the right yield adjustments, directly increase the coverage you receive. APH reports are due each year by your crop's production reporting date.
What's the difference between Revenue Protection and Yield Protection?
Yield Protection only pays if your bushels come up short. Revenue Protection pays if your revenue (yield × price) falls below the guarantee, covering both bad yields and falling prices, and it increases your guarantee if the harvest price goes up.
How does PRF work if there's nothing to adjust?
PRF is based on a rainfall index, not on your actual forage production. If rainfall in your grid during the intervals you chose comes in below normal, you're paid automatically. No claim to file and no adjuster visit.
What should I do if I have a loss?
Call us right away, generally within 72 hours of discovering damage and before you destroy, abandon or replant the crop. We'll file the notice of loss and coordinate with the adjuster.
Can I switch agents or carriers?
Yes. You can move your policy to a new agent or carrier before the sales closing date for your crop. We handle the transfer paperwork and bring your history with you.
Last day to buy, change or cancel coverage for the crop year.
Your report of planted acres by field and crop, due after planting.
The share of your expected yield or revenue you insure, typically 50–95%.
Combining all fields of a crop in a county, usually for a lower premium.
Last day to plant with full coverage. Varies by crop and county.
RMA's official documents listing exact dates, prices and rates for each county.
Want to dig deeper? ProAg has helpful resources: Basics of Crop Insurance · Crop Insurance Acronyms · Product Brochures · In the Field Crop Insurance Report
Key crop insurance dates
Missing a deadline can cost you coverage. These are the general dates for the crops we write most, and we'll remind you before each one.
Spring Crops
Wheat
PRF & More
Helpful resources: RMA Actuarial Documents · RMA spring crop dates by state · ProAg sales closing dates
Let's talk about your operation
Call, text or email any time. We're happy to review your current policy at no cost.