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Precision Production Reporting

By |2025-09-18T09:59:02-05:00September 18th, 2025|Bharms|

Precision Production Reporting is simple! You just need to calibrate your monitor per manufacturer recommendations at the beginning of harvest for each crop and document it! The final calibration needs to be within 3%. Here is a Calibration Form that can be used for your documentation. By documenting your calibration, the adjuster can use you [...]

Reduced Crop Insurance Premium for Farmers in 2026

By |2025-09-09T09:11:32-05:00September 9th, 2025|Bharms|

The One Big Beautiful Bill included changes to the share that farmers will pay for crop insurance products in 2026. Area- Based Plans The Area-Based Plans will see the biggest changes. SCO & ECO's subsidy will go from 65% to 80% in 2026. In 2025, the subsidy increased from 44% to 65%. You can see [...]

New Crop Insurance Product for 2026: MCO

By |2025-09-02T16:38:53-05:00September 2nd, 2025|Bharms|

MCO, Margin Coverage Option, is a new crop insurance product for 2026. I like to think of MCO as a hybrid between ECO and Margin Protection. MCO works similar to ECO and also provides a few attractive characteristics of Margin Protection. Similar to ECO, MCO is a banded county-based revenue coverage from 86% to 95%.  [...]

2024 Margin Protection Indemnity Payments

By |2025-06-16T09:59:00-05:00June 16th, 2025|Bharms|

Here is a chart showing the 2024 Margin Protection Indemnity Payments for the counties in our area. As a reminder, the Projected Price was set back in Aug/Sept of 2023 at $5.09. The Harvest Price was settled October of 2024 at $4.16. The indemnity payments shown below will be offset by Revenue Protection claims during [...]

Let’s Spring Forward Together

By |2025-03-14T14:12:05-05:00March 14th, 2025|Uncategorized|

We have officially Sprung forward! As Spring approaches, many of us are pulling collector vehicles and motorcycles out of our garages. Many of us fall back on coverage when we put these vehicles in storage for Winter. Don't forget to spring your coverage forward. Call your agent today to add full coverage back onto your vehicle before hitting [...]

How has PRF worked in 2024?

By |2024-11-26T09:57:07-06:00November 26th, 2024|Bharms|

PRF (Pasture Rangeland Forage) protects against a lack of rainfall during selected intervals throughout the year. Many of the PRF policies selected either the Aug-Sep Interval or the Sep-Oct Interval. In 2024, we became dry in Aug through Oct, even through the earlier months had adequate rainfall. Below you can see the shortage of average [...]

About Us

Phillips Stafford Insurance Group is an independent insurance agency with office locations around Iowa. We specialize in working with business owners to protect, grow, and transition their business. We are also well equipped to handle all personal insurance needs.

Contact Info

4566 114th St, Urbandale, IA 50322

Phone: (515) 978-9010

Fax: 888-670-3251

Phillips Stafford Agents are Independently contracted.

Licensed in IA, AZ, KS, MN, MO, NE, OH, SD

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