Grow with Confidence Knowing You’re Covered with Crop Insurance

Growers Choice wants you to sleep better at night knowing that if the unexpected happens, you will have financial security to keep your crop business alive and on to the next plant season. Crop insurance provides protection against losses which take place during the crop year. These losses must occur from unavoidable situations such as destructive weather, drought, fire, flooding, insect damage, and disease. Growers Choice will work with you to customize your insurance plan and coverage to accurately reflect individual crop losses and your unique risk.

Growers Choice provides crop insurance to all of Michigan, including the following areas:

Bay County: Auburn, Bay City, Bentley, Essexville, Kawkawlin, Linwood, Munger, and Pinconning
Arenac County: Au Gres, Omer, Standish, Sterling, Turner, and Twining
Midland County: Coleman, Edenville, Hope, Midland, and Sanford
Saginaw County: Birch Run, Brant, Bridgeport, Burt, Carrollton, Chesaning, Frankenmuth, Freeland, Hemlock, Merrill, Oakley, Saginaw, and Saint Charles

Why Do Farmers Need Crop Insurance?

Economic Security

We all want to be able to have access to fresh, healthy food for our families. Farmers and ranchers provide that for us and more! Insurance coverage for crops gives farmers the access to capital and security they need to increase crop yields, improve efficiencies, and stay competitive.

Assurance with Insurance

Having insurance for your crops provides a safety net against perils such as frost, drought, flooding, and fire. Without a strong insurance program in place for your crops, uncontrollable weather changes could damage the financial security of individual farmers and jeopardize the farm economy.

Ensuring Affordability

Every day we depend on the goods and products made by farmers. These farmers depend on insurance for their crops as an essential business tool to provide them with stability. Access to affordable coverage allows farmers to continue to provide affordable food for everyone. Contact an agent today to get started!

Types of Crop Insurance

Backed by over a century of serving rural communities and agriculture in Michigan, Growers Choice Insurance specialists have the expertise and knowledge to design a risk management portfolio tailored to your agribusinesses individual needs. You have the option of two types of crop coverage: Multiple Peril Crop Insurance (MPCI) and Crop-Hail.

Multiple Peril Crop Insurance (MPCI)

Multi-peril crop insurance provides coverage for losses including lower yields caused by natural events such as destructive weather, disease, drought, fire, flooding, and insect damage. MPCI must be purchased each growing season by deadlines established by the federal government, and before a crop is planted. If damage occurs early enough in the growing season, the policy may include incentives to replant or penalties for not doing so. This type of coverage is available for more than 120 different crops, with the cost of insurance and the amount the insurer will pay for the losses tied to the value of the specific crop.

Crop-Hail

Crop-hail insurance is beneficial for farmers who have crop fields in areas where hail is frequent to protect their high-yielding crops. These policies are regulated by state insurance departments and are not part of the FCIP. Many farmers purchase crop-hail insurance as a supplement to MPCI. Crop-hail policies usually have a low or even no deductible due to the fact that hail can completely destroy crops in one area of a crop field but leave other crops unharmed. A hail claim may be less than the amount of the deductible on an MPCI policy, which is why this coverage might be beneficial for farmers who grow crop in hail frequent areas.