E-Bikes are Booming, But is Yours Actually Insured? Electric bikes (e-bikes) are taking over our neighborhoods, bike paths, and morning commutes. They are eco-friendly, incredibly fun, and a fantastic alternative to driving. But as they grow in popularity, a major hidden risk has emerged: most e-bike owners are riding completely uninsured. A common assumption we [...]

MCO is another tool in your crop insurance toolbox.  Here are a few ways to use MCO: Protect 95% County Revenue Expected County Yields for 2027 Lock in expected margins MCO includes changes in variable input costs Diversify your crop insurance price MCO projected set in Aug/Sept. Take advantage of incremental risk protection MCO provides [...]

In 2027, SCO (Supplemental Coverage Option) will go from your underlying Revenue Protection Level to 90% county coverage. This changes the band levels for ECO and MCO; they will now go from 90-95%. Crop Insurance Considerations: The top end coverage band is now reducing to 5% of coverage. You can purchase MCO or ECO, not [...]

Above are the Expected County Yields for 2027. The county-based crop insurance products use the expected county yields: Margin Protection, MCO, ECO, and SCO. You can see that soybean expected county yields had increases over 2026, whereas corn had minimal changes.

In October, farmers will receive the higher of the ARC-CO or PLC payment for the 2025-26 crop year. The Marketing Year Average (MYA) Price calculates through the end of August. Data is published roughly 2 months following the month end. Based on actual prices through the month of June and estimates based on futures contracts [...]

Crop insurance appraisals are needed for the following: Chopping for silage Destruction of crops Any unharvested crops Commingled old crop and new crop grain Please contact Betsy to file a claim for an appraisal.  

To report your production via precision, you need to document your calibrations for each crop. The calibration must be within 3%. Calibration Documentation PDF  Hard Copy - Stop in or call Betsy E-Form Call or text Betsy *REAP is an acceptable form of precision reporting. Benefits of Precision Production Reporting  Combine records and calibration report [...]

Crop insurance premiums are due by 9/30/26, but RMA announced a 60 day interest deferral to allow farmers additional time to make their premium payments. If premium is not paid by 11/30/2026, interest attaches back to 9/30/26 due date.   Interest Deferred 60 days Pay by 11/30/2026   Although, the termination dates have not changed. [...]

Summer is winding down and kids are heading back to school soon! Our schedules are busy with school schedules and extra activities so we wanted to send out some quick safety tips. Whether it's the first year of kindergarten or the final year of college, here are some reminders to help you and your children [...]