• 1


    Before planting, farmers work with insurance agents to tailor insurance protection to fit their unique needs.

  • 2

    Agents help farmers fill out paperwork and file needed production records to secure crop coverage from insurers.



  • 3


    Private-sector companies enter into contracts with farmers to provide protection at rates set by the government.

  • 4

    Farmers pay premiums from their own pockets – collectively $3.5 billion to $4 billion a year – for the risk management tool.



  • 5


    If disaster strikes before the crop is harvested, farmers file claims as they would with any other insurance product.

  • 6

    Claims adjusters, who work for insurers, meet with farmers and verify losses.



  • 7


    Upon loss verification, insurers cut indemnity checks, minus policy deductibles, within 30 days.

  • 8

    Because aid arrives in weeks, not months or years, farmers have the capital needed to pay back loans and plant again the next season.