Crop & Livestock Insurance For Farmers

From unpredictable Midwest weather to market shifts impacting your bottom line, farming comes with risks you can’t always control. At Rivers Edge Bank, our local agriculture insurance specialists provide tailored livestock and crop insurance for farmers designed to reduce risk and safeguard your most valuable assets. Ag insurance protects your operation, stabilizes revenue and supports long-term agriculture risk management. With deep roots in rural communities, we combine our ag banking and lending expertise with personalized crop insurance coverage to help protect your investment and keep your operation profitable and productive.

Crop Insurance Livestock & LRP Insurance

Ag Insurance Technology For Farmers

What Is Crop Insurance & How Does It Work?

Crop insurance coverage closes the gap between your real and estimated income to protect against poor yields or market downturns. Crop insurance policies pay you when your yield or revenue doesn’t reach a certain level based on past performance, protecting your operation during down years. This includes yields that may be compromised by acts of nature like droughts, floods, hail or fire, or hits to your anticipated revenue due to market declines lessening your potential to earn from your crops. Crop insurance for farmers serves as effective agricultural risk management to help your business rebound and stay on track when elements out of your control limit production.

Rivers Edge Bank’s Crop Insurance Coverage Options

Rivers Edge Bank is proud to partner with NAU Country Insurance Company, one of the premier agriculture insurance providers in the country, to offer single-peril and multi-peril crop insurance products in our local South Dakota and Iowa communities. Our solutions include Revenue Protection crop insurance, regulated by the Federal Crop Insurance Corporation (FCIC) from the U.S. Department of Agriculture (USDA) Risk Management Agency. The FCIC regulates agriculture insurance policy inclusions and prices for farmers across the United States, but your small-town neighbors at Rivers Edge Bank are here to be the friendly faces you need to ensure you’re choosing the best policy for your farm and meet important policy deadlines. Typically, crop insurance coverage includes losses from:

• Damaging weather conditions (flooding, frost, drought, wind)
• Hail (further protection for hail damage can be acquired through a private crop-hail policy to supplement multi-peril crop coverage)
• Fires caused by natural disasters (lightning, wildfires)
• Crop disease and pests (assuming the damage is not a result of incorrect application of disease or pest control methods)
• Wildlife-inflicted damage

However, we help tailor our ag insurance solutions to you. We’ll let you know if you qualify for more affordable premiums and answer your questions until you’re confident you’re supported with the best policy.

Secure Crop Insurance For Your Farm

Revenue Protection Crop Insurance (RP)

Revenue Protection crop insurance includes coverage for both low yields and market fluctuations, ensuring a minimum level of revenue based on projected prices and yields from previous years. This means whether natural disaster strikes or market prices drastically decline, you’ll be paid up to your coverage amount so your operation doesn’t suffer a major loss in a down year. Revenue Protection grants peace of mind against unpredictable elements, helping you maintain control when your season doesn’t go as planned.

Important Dates For Crop Insurance Coverage

We’re committed to helping you keep track of upcoming dates related to your crop insurance policy. Check with your ag insurance specialist to ensure you’re on track with reporting and production deadlines throughout the year! Dates to know include:

• The sales closing date is your last day to secure a policy with your desired policy type and level of protection or to make changes to an existing plan.
• The initial and final planting dates mark the eligibility period for protecting crops. Crops planted before the initial date won’t be eligible for replanting payments, while those planted leading up to the final date will receive the full revenue amount based on the selected plan. After the final date, crop insurance coverage is still in place but at a slightly lower rate.
• Pay attention to the premium billing date, which typically falls around harvest time. You can make premium payments as soon as your crops are planted to be ahead of the game, but payment must be submitted within 30 days of the billing date or interest starts to accrue.

*Please call your local agent for more information on what date fits your area. 

Livestock & LRP Insurance For Farmers

In addition to crop production, Rivers Edge Bank recognizes livestock's important role in a farmer’s livelihood. We offer livestock insurance options including Livestock Risk Protection (LRP) insurance to prepare and protect you from declining market values. As expenses escalate and your opportunity to make good money diminishes in the volatile market, livestock insurance ensures you’re able to sustain your business until the market is back on track. We’re proud to provide peace of mind amidst unpredictable prices and costs. LRP rates are updated most weekdays around 4 pm. Review the fact sheets and rate sheets below to make informed decisions:

• LRP Fed Cattle fact sheet
• LRP Feeder Cattle fact sheet
• LRP Swine fact sheet
• LRP Rate sheets

Gain Peace Of Mind With LRP Insurance

LRP insurance is another agriculture risk management solution designed to protect against financial losses that result from market prices dropping. This coverage can include cattle and swine. If livestock are valued below your anticipated amount, LRP coverage makes up the difference. As a result, LRP insurance helps you operate with a predictable floor, providing peace of mind that you can always know what your floor is and continue to plan for a profitable future.

Explore LRP Insurance

Ag Insurance Technology & Resources For Risk Management

A key to farming success is remaining innovative and forward-thinking in all areas of farm decisions. Insurance for farmers is no different. NAU Country Insurance Company is continually researching and developing new technologies to better serve you. Our team of ag insurance specialists can help you set up your NAU Farmer Portal or NAU Country Mobile App to manage your policy at your desk or on the go. You can access your coverage and insurance-specific information, check out your premium owed, track and submit your loss, assess field-level weather metrics and much more. Ask our insurance specialists about Precision Farming or Field Insights and get started with smarter agriculture risk management today.

Precision Farming: Production & Acreage Reporting For Farmers

Do you have a GPS on your equipment? If so, our crop insurance specialists and NAU Precision Farming can help make reporting acreage and production information easier than ever, right from your tractor or combine. Now you can have your acreage and production report complete in three easy steps. Contact one of our agriculture insurance specialists to learn more about the advantages of precision farming today!

Field Insights & Weather Metrics for Farmers

Do you want field-level data, any time, any place? If so, Field Insights is just for you! Our agriculture risk management experts at Rivers Edge Bank can get you set up with NAU Field Insights to help you better understand weather data, past, present and future. With Field Insights, you can also view growth models, growing degree days, soil data, spray or harvest advising and frost alerts.

Does the possibility of hail damage keep you up at night? If so, ask our crop insurance specialists about EASYview Weather. It can help you locate and verify the proximity of hail events to your field.

Additional Agriculture Risk Mitigation Resources

Stay ahead of changing conditions and make informed decisions with more trusted agriculture insurance and risk management resources:

• QBE NAU Crop Insurance Policy Information
• USDA Risk Management Agency
• United States Drought Monitor
• USDA Risk Management Agency Actuarial Information Browser

Local Farmers Choose Rivers Edge Bank For Ag Insurance

Large corporations can’t compete with the customer service of our locally owned and operated bank locations. Ag insurance issues can be complicated, so our local experts are readily available to answer questions and assist as needed. As a small local business ourselves, we understand the risks you face and can determine the best way to secure your biggest revenue generators. Take advantage of having a direct point of contact and feel confident knowing we’re here when you need us. Explore more agriculture banking solutions in addition to livestock and crop insurance for farmers or contact your local Rivers Edge Bank to get in touch.

Find An REB Location

Get Started With Livestock Or Crop Insurance

Connect with one of our local ag insurance specialists to get started with our full lineup of livestock or crop insurance for farmers designed to meet all the demands of your business. Please fill out the form below to indicate your interest in crop or LRP insurance, and we’ll reach out to discuss options for your operation. Together, we’ll ensure your agriculture business is set up for success no matter what comes your way.

Rivers Edge Bank is an Equal Opportunity Provider.

Crop Insurance Notice: Not a deposit; Not FDIC insured; Not insured by any federal government agency; Not guaranteed by the bank; and may go down in value.

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