Multiperil Crop Insurance
MPCI policies provide coverage for loss of production or a combination of yield and price coverage.
Multiple Peril Crop Insurance (MPCI) is an agriculture insurance policy designed to protect insureds against a broad range of natural perils, including but not limited to, drought, hail, insects, etc.
Along with MPCI, there are add on options that are highly subsidized by the USDA to further protect a higher percentage of your crop via county based programs and even some private products that are individual based.
Popular MPCI add ons:
Supplemental Coverage Option (SCO)
Provides additional area-based coverage for select crops above your underlying MPCI policy’s coverage level up to 86% (increasing to 90% in 2027). Losses are paid on an area basis; an indemnity is triggered when there is a yield or revenue loss in the county and claims are not settled until the spring of the following year. SCO is not available for farms that are enrolled in the ARC Farm Program at FSA.
Enhanced Coverage Option (ECO)
Provides additional area-based coverage for select crops above your underlying MPCI policy from 86% up to 90% or 95%. Losses are paid on an area basis; an indemnity is triggered when there is a yield or revenue loss in the county and claims are not settled until the spring of the following year. ECO may be purchased in addition to SCO and is not impacted by Farm Program decisions.
*New for 2026*
-Margin Coverage Option, similar to ECO but adds some input costs on an area basis.
-Increased subsidies on SCO, ECO and MCO to 80%.
-MCO and ECO cannot be paired together.*
-Subidies for someMPCI policies have also been granted an increase in the 2026 crop year.
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