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Crop insurance in Ventura County and surrounding areas.

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Pasture, Rangeland, and Forage (PRF) Rainfall Index Policy

PRF Insurance provides peace of mind when precipitation is lacking.
Insurance for haying and grazing land – Protect up to 90% of normal rainfall on your grass/hayland! Forage losses from natural hazards, especially drought, are frequent. PRF insurance is the right tool for producers who want to provide income to offset the loss of forage and grazing due to lack of rainfall. Producers can insure all or part of a pasture, rangeland, or forage for the use of haying or grazing. The PRF program is very affordable as it is subsidized at 51-59% of the premium.

Sales Closing Date and Acreage Reporting Date is 11/15

Billing date will be the following Sept. 1. No production reporting is required.

Indemnities are paid at the end of the two-month interval (Ex. Mar/Apr, is generally paid in June). Some producers and landowners may qualify if compliant with conservation requirements.

MPCI Individual Plan – Actual Production History (APH)

Individual plans are based upon the insured’s production.

The APH plan of insurance provides the producer protection against a loss of production due to nearly all unavoidable, natural occurring events. For most crops, that includes drought, excess moisture, cold and frost, wind, flood and unavoidable damage from insects and disease. This plan of insurance guarantees the producer a yield based on their production history, which is why it is called the APH plan.

The guarantee is calculated by multiplying their average yield by the level of coverage elected for the producer’s share of the crop. An indemnity may be due if the production (harvested and appraised) is less than the guaranteed amount. The pricing for most crops insured under the APH plan of insurance is established by RMA.

Many of our perennial crops such as avocados, lemons, oranges and mandarins/tangerines fall under the APH plan, as well as crops that do not have revenue coverage available.

Whole Farm Revenue Protection (WFRP)

Whole Farm Revenue Protection (WFRP) is geared towards the diversified producer. Those who sell multiple commodities, which includes specialty crops, along with livestock.

WFRP provides one policy to cover all commodities. This plan is specifically tailored for farms up to $8.5 million in insured revenue. This pilot comes via the 2014 Farm Bill.

An important note with WFRP, the premium subsidy levels vary by coverage level, which are available with a range of 50%-85% in 5% increments.
To participate in WFRP:

  • You will need to provide 5 years of farm tax history.
  • Produce at least 50% of your ag commodities in counties where WFRP is available.
  • No more than $8.5 million in insured revenue.
  • Have “buy-up” coverage levels on any Federal Crop Insurance plan.
  • Meet the companies’ requirements of the policy.

Sales Closing: 2/28 or 3/15
Reporting Date: 7/15**
Contract Change: 8/31
** Late fiscal filers August or September – 30 days after start of fiscal year; October, November, or December 10/31.

Let’s discuss your crop insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate crop insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This field is for validation purposes and should be left unchanged.

Gimlin & Udy Insurance Agency offers comprehensive crop insurance throughout Ventura County and all of California. We are able to write in most states.