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


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SCO+ is available in the same counties as SCO coverage. Covered crops include corn, soybeans, and winter wheat. In select states, coverage for wheat is available at the 70% coverage level. Fall wheat is available in KY, MI, MT, TN, and SD; spring wheat available in SD only; canola in ND only.

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+

SCO+™ Forward Plus
Add the SCO+ Forward Plus endorsement to your revenue  or yield policy stack to secure coverage for higher fall prices if your liability, or Production to Count, falls below your SCO+ guarantee and the Harvest Price is higher than the MPCI Projected Price. 

NEW! Band Stacking
Combine any RAMP, ECO+™ or SCO+™ products from FMH with new band stacking. This option allows you to secure any of these coverages together with a max overlap of 1%. For example, opt to secure a Revenue Protection policy at 75% coverage level with added SCO, SCO+ and RAMP policies.


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.