Margin Protection and ECO are 95% county revenue crop insurance products. Both products can provide similar value to your risk management strategy. But how do you choose which product is best for your operation?

 

Here are a few differences in the products to consider:

Margin Protection (MP)

  • MP is a full liability product, which provides an opportunity for more coverage.
  • MP is offset with any underlying Revenue Protection indemnity payments. Your Revenue Protection loss is subtracted from the MP loss.
  • MP has an earlier price discovery period: August 15th – September 14th.
  • MP provides input protection.
  • MP provides a protection factor: 80%-120%, This can be used to accommodate for your margin/yield potential on your farm.

Enhanced Coverage Option (ECO)

  • ECO is a banded product: It can go from 95% down to your crop insurance level 85% = 9% band.
  • ECO does not work as an offset to Revenue Protection. If the county has a loss, you are guaranteed the loss generated from ECO.
  • ECO has the same price discovery period as Revenue Protection.
  • ECO subsidy is increasing from 44% to 65% in 2025, making product pricing more attractive.
  • With FMH, you can purchase ECO+ providing 95% individual protection.

 

Contact Betsy with product questions or to discuss which product may best fit your farming operation.