Crop insurance policies are tools that can help farmers. How can a crop insurance policy help you?
As a farmer, you know better than anyone that experience counts. King Crop Insurance has been servicing farmers on Delmarva for over 40 years. We understand the major risks you face and we can help minimize your financial risk by providing comprehensive crop insurance services. Our focus is and always has been exclusively the farming community.
101 West Market Street, Georgetown, DE 19947 Phone: (302) 855-0800 Email: [email protected] Fax: (302) 855-0885 Text Only: (302) 470-7348
Serving Delaware and Maryland Farmers
The federal crop insurance program began in 1938 when Congress authorized the Federal Crop Insurance Corporation. The current program which is administered by the USDA’s Risk Management Agency (RMA), provides producers with risk management tools to address crop yield and/or revenue losses on their farms. In purchasing a policy, a producer growing an insurable crop selects a level of coverage and pays a portion of the premium – or none of it in the case of catastrophic coverage – which increases as the level of coverage rises. The federal government pays the rest of the premium (averaging nearly 60% of the total). Insurance policies are sold and completely serviced through 15 approved private insurance companies. The insurance companies’ losses are reinsured by USDA. Major crops are covered in most counties where they are grown. Most crop insurance policies are either yield-based or revenue-based. For yield-based policies, a producer can receive an indemnity if there is a yield loss relative to the farmer’s “normal” (historical) yield. Revenue-based policies protect against crop revenue loss resulting from declines in yield, price, or both. The most recent addition has been insurance products that protect against losses in whole farm revenue rather than just for an individual crop.
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With roots for legs, plants are poor runners. Stuck with what is nearby, plants do the best plants can. NPK are heavy hitters in stimulating quick plant growth. The ability of the rest of the nutrients to keep up with quick growth stimulated by NPK is a key factor in determining crop quality and stress tolerance to climate, pests, and disease. Central among the other nutrients are calcium and silicon which are both key players in building the physical structure of a plant. Like a house, you build it quick and sacrifice quality and end up with a house you can live in, but it may not withstand the test of time. Ensuring adequate calcium and silicon availability helps ensure that the best materials are available during construction, even if it is a rushed job.
Figure 1 – Root of a sugar beet. From Weaver, 1926 – Root Development of Field Crops
Figure 2 – Leaf cells with chloroplasts. The level of fertility can affect the density of leaf cells in turn affecting cell wall thickness and leaf structure. Image credit: Wikipedia