Crop Insurance

Through a variety of products tailored to your operation, FNIC can help safeguard your business from weather incidents, critical economic shifts, and more.

Connect with an Agent

USDA Risk Mananagement Agency Resources

Risk Management Agency’s (RMA) vision is to secure the future of agriculture by providing world class risk management tools to rural America. For more information, please use the links below to learn more.

Risk Management Agency Home Actuarial Information Browser USDA Farm Service Agency RMA Price Discovery RMA Cost Estimator RMA Map Viewer


Livestock Risk Protection (LRP) provides coverage against market price decline. If the ending price is less than the producer-determined beginning price, an indemnity is due. They do not insure against death, loss, or poor performance. All LRP products are federally reinsured. Producers may select from a variety of coverage levels and insurance periods to match the time the animal(s) would normally be marketed.

Insurance does not attach until you buy a specific coverage endorsement. You may buy multiple specific coverage endorsements with one application. Your insurance coverage starts the day you buy a specific coverage endorsement and RMA approves the purchase.

LRP Feeder Cattle Fact Sheet

LRP Fed Cattle Fact Sheet

LRP Swine Fact Sheet

Livestock Reports

Pasture, Rangeland, Forage (PRF) Insurance is a highly subsidized plan of insurance and is therefore extremely affordable. PRF offsets the cost of additional feed expenses in times of drought. Protect up to 90% of normal rainfall on your grass and hayland. Automatic claim payment, no loss claim submission.

Annual Forage Insurance sign-up deadline: JULY 15

Annual Forage Insurance covers acreage planted each year for livestock feed or fodder, offering risk protection from lack of rainfall.

Crop Hail coverage provides protection against physical damage from hail and/or fire. Most FMH hail policies include extended coverages like fire and lightning, theft, vandalism and malicious mischief, and certain perils while in transit and storage.

Margin Protection (MP) is an area based plan of insurance using county-level estimates of representative expected revenue and input costs to establish coverage and determine indemnity payments. MP protects against decreases in margin caused by reduced county yields, reduced commodity prices, increased prices of selected inputs, or any combination of these perils.

The plan provides coverage that is based on an expected margin, which is the expected area revenue minus the expected area operating costs, for each applicable crop, type and practice. MP is area based coverage and may not necessarily reflect a producer’s individual experience. The margin protection plan can be purchased by itself, or in conjunction with Yield Protection or Revenue Protection policy

The Revenue Protection (RP) program provides protection against revenue loss due to a decline in both crop prices and yields.  Producers may select from a variety of coverage levels to personalize their policy. An indemnity is paid if the actual yield falls below the yield guarantee or if the actual revenue falls below the minimum or revised revenue guarantee.  RP provides a minimum revenue guarantee that can increase as much as 200% over the minimum guarantee if the crop insurance harvest price is higher than the projected price.

Yield Protection (YP) policies provide protection against a loss in production less than the predetermined guarantee. Producers may select from a variety of coverage levels to customize their policy. The insurance yield is based on a policyholder’s actual production history, which is the average yield obtained on the insured unit for four to ten consecutive years. If the average yield per acre is less than the yield guarantee, an indemnity is paid. The projected price is established in accordance with the Commodity Exchange Price Provisions and is based on daily settlement prices for certain futures contract. The producer chooses the percent of the projected price to insure, between 55% and 100%.

Dairy Revenue Protection (DRP) is designed to insure against unexpected declines in the quarterly revenue from milk sales relative to a guaranteed coverage level. The covered milk production is indexed to the state or region where the dairy producer is located. 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 Supplemental Coverage Option (SCO) is a county-level crop insurance option that provides additional coverage for a portion of a producer’s underlying crop insurance policy deductible. Producers must buy it as an endorsement to either the Yield Protection, Revenue Protection, or Revenue Protection with the Harvest Price Exclusion policies.

Whole-Farm Revenue Protection (WFRP) provides a risk management safety net for all commodities on the farm under one insurance policy. This insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.

Apiculture Pilot Insurance (API) uses lack of rainfall in a specific area or areas called grid locations to determine when a loss payment is due. Insurance can provide a safety net to protect the income of beekeepers who raise and care for honey bees for the purpose of, but not limited to, the collection of pollen, honey, and wax production, and breeding stock.

Our Partners

We build relationships with our AIPs based on communication, trust, and respect. We work closely with them to offer products, services, and information that is specific to the important work you do. Learn more about them and review their informative websites using the links below.



In addition to our AIPs we have collaborated with the Nebraska Cattlemen to form NCIG. NCIG was established to provide Nebraska’s beef producers with risk management services specific to the work they do. Members have access to a variety of leading carriers to provide a vast selection of products at competitive rates. Our team of licensed professionals, powered by FNIC, provide support with claims, loss control, safety, and compliance. Members also have access to personal and employee health insurance options including access to a direct primary care program powered by Strada Healthcare. 

Agriculture Loans and Lines of Credit

Agriculture Loans and Lines of Credit

FNBO has long been a supportive and collaborative partner. Our name and logo proudly highlight our relationship and signal our joint stability, breadth of knowledge, and depth of resources. The circle one icon represents all that we share in common; our people, values, family ownership, and our commitment to serving our customers.

FNBO has a long history of supporting the agriculture industry from the daily challenges to decisions for the future. 

Meet our Team

Meet our Team

Crop Claims

Crop Claims

Farm Insurance

Farm Insurance

Connect with an Agent

Thank you!