Actual Production History (APH) Insurance
Protection Against Yield Loses
Actual Production History (APH) policies insure producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease. The producer selects the amount of average yield to insure; from 50-75 percent (in some areas to 85 percent). The producer also selects the percent of the predicted price to insure; between 55 and 100 percent of the crop price established annually by RMA. If the harvested plus any appraised production is less than the yield insured, the producer is paid an indemnity based on the difference. Indemnities are calculated by multiplying this difference by the insured percentage of the price selected when crop insurance was purchased and by the insured share.
Insurance Programs & Risk Management Tools
Our goal is to educate and advise our customers on all options available to them including —Public Programs offered through Federal Crop Insurance, Private Programs offering deeper levels of coverage, and Hedging programs protecting against market volatility. Explore some of our insurance solutions: