MPCI Endorsements

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Coverage Enhancement Option

The Coverage Enhancement Option (CEO) is a continuous endorsement that provides for increased protection above that offered under the MPCI program. The CEO coverage elected must be at least five percentage points higher than the underlying MPCI coverage level with a maximum election of 85% (i.e., 55%, 60%, 65%, 70%, 75%, 80%, 85%). CEO provides increased coverage at the same premium rate as the underlying MPCI coverage. Losses under the CEO program are triggered at the same point as the underlying MPCI policy.

Availability: Texas

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Freeze Date Extension for Hybrid Seed Corn

The MPCI program provides a frost or freeze date after which frost or freeze is not an insurable cause of loss. The Freeze Date Extension for Hybrid Seed Corn endorsement allows the insured to extend that frost or freeze date by either 5, 10, or 15 day increments. If a frost or freeze occurs during this extended coverage period that causes the seed corn warm test germination rate to drop below 80%, it would be a covered loss under this endorsement.

Availability: Illinois, Indiana, Iowa, Minnesota, and Nebraska

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Increased Germination for Hybrid Seed Corn

The MPCI policy guarantees that the seed corn will have a warm test germination rate of 80% or greater on a total composite sample. The Increased Germination for Hybrid Seed Corn endorsement provides improved coverage by guaranteeing that the seed corn will have a warm test germination rate of at least 90% and a cold test germination rate of at least 80% as applied separately to samples of rounds and flats. Seed corn having a germination rate above the MPCI standard but less than the endorsement standards will be covered under this endorsement. Seed corn having a germination rate less than the MPCI standard will be covered by the MPCI policy.

Availability: Illinois, Indiana, Iowa, Minnesota, and Nebraska

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Raisin Extra Expense

The Raisin Extra Expense endorsement will cover the producer for the additional expenses that are associated with slipping, additional turning, or additional rolling and unrolling to minimize damage from the rain.

Availability: California

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Raisin Reconditioning

The Raisin Reconditioning endorsement provides coverage in excess of that payable under the MPCI program. The additional Raisin Reconditioning coverage amount is determined annually. This coverage is subject to a minimum loss of 5% or 20%, whichever is elected, of the tonnage in the unit. This endorsement, when combined with MPCI, provides the grower with coverage for the actual costs of reconditioning the raisins up to the coverage amount per ton elected.

Availability: California

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Replant Extra

The Replant Extra endorsement provides additional coverage to the grower to cover the costs to replant above the amount that is provided on the underlying yield-based plan of insurance policy. The endorsement is available for corn, dry beans, soybeans and sugar beets.

Availability: Arkansas, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Dakota, Ohio, South Dakota, Tennessee, Wisconsin and Wyoming

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Revenue Plus

Revenue Plus (RVP) is a private endorsement product that provides additional revenue coverage for the same crop(s)/county(ies) insured under the Revenue Protection (RP) plan of insurance. If the unit structure for RVP is the same as for the underlying RP policy, a RVP loss will be triggered at the same time as the RP policy regardless of whether the loss is due to a yield loss and/or price loss. The endorsement is available for corn and soybeans.

Availability: Delaware, Illinois, Indiana, Iowa, Maryland, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota and Wisconsin

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Revenue Price Option

Revenue Price Option (RPO) is a private endorsement product that provides additional price coverage for corn and soybeans. It allows producers to increase the Revenue Protection (RP) projected price with additional price coverage per bushel. RPO provides up to an additional 25 cents of coverage for corn and up to an additional 75 cents of coverage for soybeans.

Availability: Illinois, Indiana, Iowa, Missouri, Minnesota, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin

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Yield Plus

Yield Plus (YDP) is a private endorsement product that provides coverage based on the insured’s approved yield established for the underlying MPCI policy. YDP provides coverage against yield losses which results in the production to count being less than the MPCI production guarantee. YDP coverage is available when the underlying MPCI plan of insurance is Yield Protection (YP), Revenue Protection (RP), or Revenue Protection with the harvest price exclusion (RP-HPE).

Availability: Delaware, Illinois, Indiana, Iowa, Maryland, Missouri, Minnesota, Nebraska, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota and Wisconsin