The crop insurance industry helps farmers manage risk and maintain the long-term health of American agriculture.  Crop insurance functions well because it is actuarially sound and to be eligible for coverage participants must follow good farming practices derived from empirical research and sound science.

An inter-agency USDA task force released the “NRCS Cover Crops Terminations Guidelines” which serve as the cover crop management guide for all USDA agencies. Farmers who choose to incorporate cover crops into their operations and participate in the Federal crop insurance program must follow these guidelines and provisions of the insurance policy for the crop they are insuring.  Insurance companies follow these guidelines and associated insurance policy procedures as they insure, underwrite, and adjust losses for their customers.  Farmers interested in exploring how cover crops can fit into their operations are encouraged to discuss all available options with their agronomic advisers and their crop insurance agent to verify their plan follows good farming practices and meets crop insurance requirements.

Crop insurance exists to protect growers’ cash crops and to prevent financial ruin when events happen outside of their control.  It has evolved to become the cornerstone of farm policy because it uses hard data and science to control taxpayer cost.  For crop insurance to continue functioning well for both farmers and taxpayers, its guidelines and procedures must be based on the best information available while critical research is being performed for the future.

The crop insurance industry supports continued agronomic research to determine how farmers can best incorporate cover crops and other Best Management Practices in their operations and to determine what impact those practices may have on the insured crop.

For more information on cover crops, please click here.

For cover crop and crop insurance information specific to Illinois, Indiana, Ohio, and Michigan, please click here.

* Updated July 2019