Weather
Drought, flood, wind, hail, frost, excessive moisture, and rainfall shortfalls.
Products & Services
Coverage options organized around your operation, not a template.
Copello Crop Insurance Agency helps growers evaluate federally supported coverage, area-based endorsements, whole-farm revenue protection, forage programs, and private named-peril options before seasonal deadlines arrive.
120+
crops may be eligible for MPCI coverage depending on area and program availability.
What crop insurance can address
Natural risks, revenue pressure, and specific named events.
Natural Loss
Fire and other unavoidable natural causes that threaten yield or revenue.
Pests & Disease
Insect infestation and plant diseases when covered by the selected program.
Revenue
Some policies can help address shortfalls caused by market price drops.
01
Federally subsidized
Multi-Peril Crop Insurance (MPCI)
MPCI protects farmers against a wide range of natural risks, such as drought, excessive moisture, hail, frost, and disease. It provides comprehensive coverage for crop yield and revenue losses caused by these perils.
- Supported by the USDA's Risk Management Agency.
- Sold and serviced through private insurance providers.
- Broader than single-peril coverage like crop-hail.
- Subject to federal purchase deadlines each growing season.
02
Area-based endorsements
SCO / ECO
SCO and ECO provide area-based coverage for a portion of an underlying policy's deductible. SCO covers the deductible from 86% up to 100%, while ECO provides coverage from 86% up to either 90% or 95% of expected value.
- ECO offers a higher level of protection than SCO.
- Both are triggered by area-wide loss.
- Coverage is not based only on an individual farm's loss.
03
Diversified farms
Whole Farm Revenue Protection
WFRP is a single insurance policy that protects a farm's entire operation against revenue loss from unavoidable natural causes. It is designed for diversified farms and can cover specialty crops, organic crops, and livestock under one policy.
- Coverage is based on expected farm revenue.
- Uses historical data and the current year's farm plan.
- Can be an alternative to multiple single-crop policies.
04
Rainfall index
PRF - Pasture, Rangeland and Forage
PRF covers forage production for livestock when rainfall is below average. It uses a rainfall index within a grid rather than the specific conditions of one individual farm.
- Payments may help with replacement feed.
- Can help offset increased irrigation expenses.
- Triggered when rainfall drops below the selected level.
Private named-peril programs
Specific coverage for specific crop events.
Field Grain Fire
A specialized stand-alone policy that protects standing or harvested grain crops from direct losses caused by fire, lightning, and sometimes transit accidents.
Rain on Tomato
A California annual policy for canning and processing tomatoes, covering physical damage caused by rain-induced mold or rot in excess of state or processor grade tolerances.
Important dates
Ask About Deadlines
Coverage windows matter.
Sales closing dates and policy deadlines vary by crop, county, and program. Copello Crop Insurance Agency helps growers review the deadlines that matter before the season closes.