1. Federal Crop Insurance Products
   1. Multi Peril Crop Insurance
   2. Pilot Dollar Program
   3. Revenue Coverage
   4. Adjusted Gross Revenue
   5. Coverage Enhancement Option
2. Private Named Peril Insurance Products
   1. Citrus Freeze
   2. Packer Freeze
   3. Business Interruption
   4. Raisin Reconditioning
   5. Hail Insurance
   6. Field Grain Fire
   7. Event Insurance

Overview of Multi Peril Crop Insurance
MPCI is an insurance program designed to protect farmers for loss of production below a predetermined point, known as the "Guarantee", which is calculated using the person's actual production history. MPCI will cover damage or loss of production due to:

• Adverse weather conditions
• Fire (Unless weeds and undergrowth have not been controlled or pruning debris has not been removed from the orchard)
• Plant Disease (Not damage due to
  insufficient or improper application of disease control measures)
• Wildlife (Unless control measures have not been taken)
• Earthquake
• Volcanic Eruption
• Failure of the irrigation water supply, if caused by an insured peril that occurs during the insurance period.

Coverage levels available: 50%, 55%, 60%, 65%, 70%, 75%

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Overview of Pilot Dollar Programs
The Dollar programs have the same weather loss coverage as the MPCI, but also adds extra revenue / price protection.

Overview of Crop Revenue Coverage
This program provides comprehensive protection for crops by establishing a dollar guarantee based on the applicable futures market exchange early futures prices as indicated in each crop provision. The available coverage levels are 50%, 55%, 60%, 65%, 70% or 75% (80 and 85% coverage levels are available on some crops in limited areas) of the APH yield which is multiplied by the applicable early futures price to establish the initial dollar guarantee. Additional dollar protection is provided if the near harvest futures price (Harvest Price) exceeds the early futures price (the dollar guarantee is increased to reflect the higher near harvest futures price). The perils covered are weather related, certain other unavoidable causes of loss and price fluctuations. The value of production is determined by multiplying the harvested and/or appraised production by the near harvest futures price as established in each crop provision. This program indemnifies the grower when the value of production is less than the dollar
guarantee.

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Overview of Adjusted Gross Revenue
The Adjusted Gross Revenue program provides growers with protection against low farm revenue due to unavoidable causes. This program is a non-traditional insurance program, which uses a grower's historic Schedule F tax form information as a base to provide a level of guaranteed revenue. AGR protection is calculated by multiplying the approved gross revenue times the percent coverage level and payment rate selected by the producer. The approved gross revenue is the lesser of the grower's 5-year average Schedule F allowable revenue or the expected revenue for the insurance year. The basic coverage level is 65/75 (65 percent coverage level and 75 percent payment rate) and is available to all growers. Higher levels of coverage are available to growers who qualify.

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Overview of Coverage Enhancement Option
This is a continuous endorsement, which provides for increased protection above that offered under the MPCI program. The CEO coverage elected must be at least five percentage points higher than the underlying MPCI coverage level with a maximum election of 85% (i.e. 55, 60, 65, 70, 75, 80, 85). CEO provides increased coverage at the same premium rate as the underlying MPCI coverage.

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Overview of Private Named Peril Insurance Products

Citrus Freeze
Covers damages due to freezing of navel and Valencia oranges, lemons, and grapefruit. (Available only in California.)

Citrus Packer Coverage
This program protects the citrus packer against unavoidable loss of production resulting from freeze to the citrus fruit supplied to them by the growers. The coverage levels available are 40%, 50% and 60%. (Available only in California.)

Business Interruption
This program provides protection against reduced agricultural production due to localized disasters occurring in the business' trade area that are of limited magnitude such that marketing strategies using futures and options are not effective in offsetting the reduction in the business' production volume. Protection is provided against loss of production in the business' trade area on an area yield basis. At the time of application, the business provides estimates of the percent of its business from each county and each crop in its trade area and selects the dollar amount of coverage and the deductibles desired.

Raisin Reconditioning
Covers the cost of reconditioning raisins damaged by rain while drying on trays in the field. Optional coverage for slipping and turning costs is available.

Hail Insurance
This program provides the grower protection against any yield reduction caused by hail. It is designed to work in conjunction with a preexisting MPCI policy.

Field Grain Fire
This program insures the standing grain crop against direct loss by fire. It also covers any loss of grain due to collision or upset of vehicles while the grain is being transported to the first place of storage.

Event Insurance
Rain insurance is a policy written for a short term of only a few hours for a specific event susceptible to "rain-out" such as a rodeo, boxing match, or a rock concert. This policy is written to indemnify the insured (your organization) for loss of expenses from the event. This program insures against direct loss to events caused by rainfall. It does not cover any loss to property or from any other peril even though the loss may have occurred in conjunction with the rainfall.

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