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INSURANCE PRODUCTS


Crop Hail Insurance Products

Full Coverage

A policy that gives the insured a payment that equals the percent of loss multiplied by the insured value per acre. more >

Deductible

Policies that do not issue payments until the loss exceeds a set percentage. View the long list of deductible options that FMH has to offer. more >

Companion

Policies that require the loss to exceed a set percentage. Once the loss exceeds the set percentage, then that percent is subtracted from the loss and multiplied by a factor of 2, 2.5, or 3, depending on the policy type. View the wide variety of companion policies that FMH has to offer. more >


Multi-Peril Crop Insurance Products
Actual Production History (APH)

A multi-peril crop insurance product that provides protection against a loss in yield due to nearly all natural disasters. more >

Area Yield Protection (AYP)

A county-based insurance product that pays the producer in the event the county yield falls below the trigger yield selected by the producer. more >

Area Revenue Protection (ARP)/Area Revenue Protection with Harvest Price Exclusion (ARP-HPE)

County-based revenue insurance products that pay the producer in the event the county average per-acre revenue falls below the trigger revenue level selected by the producer. ARP/ARP-HPE are based on the same principle as Area Yield Protection (AYP), but guarantees revenue instead of yield.  more >


Reinsurance Division
The Reinsurance Department of FMH traces it's roots to 1915. We have been assuming risk from other companies on both a direct basis and through reinsurance intermediaries continuously ever since. The FMH Reinsurance Department has the strength, stability, and service to meet your needs. See what we can do for you. more >


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