Product Brochure

SCO+ is an endorsement to your SCO policy that offers individual protection above the county protection of your underlying plan. SCO+ provides farm-level coverage if you, or both the county and you, experience a loss.

How Does it Work?

  • Your SCO+ doesn’t have to follow SCO selection, option to choose Revenue or Yield protection
    • Example: RP underlying policy with SCO revenue and SCO+ yield policy
  • Available in two bands of coverage: 75%-86% or 80%-86%
    • Option for different bands based on crop, practice, and/or SCO plan type
  • Coverage must be elected by the sales closing date for your underlying policy

What Are the Benefits?

  • Offers individual loss coverage on top of underlying plan
  • Doesn’t have to follow underlying coverage, option to choose Revenue or Yield protection
  • Follows same FSA requirements as SCO coverage


Product Brochure View coverage information, guidelines, and details.

View Now

InsureCast Podcast ECO and SCO, Plus New Options for 2022

Listen Now



SCO+ is available in the same counties as SCO coverage. Covered crops include corn and soybeans, and coverage for wheat is available in select states. SCO+ is only offered with an Optional Unit structure. Talk to your FMH agent for details.

Indemnities are determined after RMA provides Final Yields/Revenues the following summer, which is a similar process to ECO, MP, and ARPI. Producers will receive the higher of an SCO or SCO+ payment or a combination of both. 

Payment Scenarios
  • County loss only = possible SCO payment
  • Individual loss only = possible SCO+ payment
  • Both individual and county loss = possible payment from either SCO or SCO+


MPCI Coverage: 75% Revenue Protection Production to Count: 15,000 bushels
Coverage Band: 86% - 80%Approved Yield Revenue: $80,000
Upper % of Coverage Band: 86%MPCI Projected Price: $4.00
Coverage Spread: 6%MPCI Harvest Price: $3.50
Acres: 100Share: 100%
Approved Yield: 200 bu./acre
ECO Indemnity: $500

Determine the Total Limit of Insurance

75% x $4.00 Projected Price x 6% Coverage Spread x 200 APH x 100 acres x 100% Share = $3,600 Total Limit of Insurance

Determine the Harvest Revenue

15,000 Production to Count x $3.50 Harvest Price = $52,500 Harvest Revenue

Determine the Loss Percentage

86% – [52,500 Harvest Revenue/$80,000 Approved Yield Revenue] = 20.37% Loss Percentage
(Cannot be greater than the coverage band spread so 6% is used instead)

Determine Payment Factor

6%/6% = 1.0000 Payment Factor

Calculate the SCO+ Indemnity

$3,600/acre - $500 SCO Indemnity = $3,100 SCO+ Payment

* This sample is for example purposes only. Contact an FMH agent for full details.