Hill County, Texas, farmer Albert Sulak admits that about 10 years ago he was a bit skeptical about the value of crop insurance. “I thought about insuring my vehicles, my house and I knew I needed health insurance,” he said. He decided to try crop insurance and still was not impressed for two or three years. “I didn’t need it,” Sulak said, during the Blackland Income Growth (BIG) conference in Waco. “Then I had two or three dry years.” And last spring made a believer out of him. “We had a late freeze that hurt our wheat crop. Crop insurance kept some of us in business after that loss. With the expenses involved in making a crop these days, we need crop insurance.”