An optional endorsement that covers a portion of losses not covered by the same crop's underlying federal policy.
Supplemental Coverage Option (SCO) Overview
The Supplemental Coverage Option (SCO) is a county-level revenue-based or yield-based optional endorsement that covers a portion of losses not covered by the same crop’s underlying crop insurance policy. SCO is an option to supplement your underlying policy up to 86% (RP, RP-HPE, YP, YDO, and APH).
HOW SCO WORKS
- SCO follows the coverage of your underlying policy. If you choose Yield Protection, then SCO covers yield loss. If you choose Revenue Protection, then SCO covers revenue loss.
- The amount of SCO coverage depends on the liability, coverage level, and approved yield for your underlying policy. SCO pays a loss on an area basis, and an indemnity is triggered when there is a county-level loss in yield or revenue.
Curious how this product compares with other area plans? View our ECO/MCO/SCO Comparison Flyer.
Supplemental Coverage Option Availability
SCO must be elected by crop and is available in select counties across the FMH writing area for 32 different crops.
What Are The Benefits?
INCREASED SUPPORT RATE
New for 2026! The premium support rate has increased from 65% to 80% for all crops.
INDIVIDUAL COVERAGE
Offers individual loss coverage on top of underlying plan
FLEXIBILITY
Doesn’t have to follow underlying coverage, option to choose Revenue or Yield protection
ELIGIBILITY
ARC and PLC participation has no impact on eligibility
Looking for individual protection
with your SCO coverage?
Talk to your FMH agent about adding the SCO+™ endorsement for individual protection above your county-based plan.
LEARN MORE