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Crop Insurance
Choosing Nodak Insurance Company to help with your risk management plan is one of the best decisions you can make for Crop Hail and Multiple Peril Crop Insurance (MPCI). Our agents provide the answers you need to make educated crop insurance decisions.
Note: Crop Hail Coverage and MPCI is also available in Minnesota and South Dakota through our sister company, American West Insurance.
Our Crop Hail policy includes these advantages:
  • Two-hour coverage on applications submitted in an acceptable method and by sufficient notice
  • Hail plans begin paying at 1% payable loss
  • Competitive rates
  • Agents are local, experienced, knowledgeable and accessible
  • 5% early payment discount
  • A wide range of Crop Hail plans to customize protection for your operation
  • Harvested Grain coverage at no additional cost
  • Carryover coverage provides early protection for next year at no additional cost
  • Adjusters are skilled and competent
  • AgriData for hail probability reporting
The Crop Hail policy covers losses due to:
  • Hail
  • Fire and Lightning
  • Transit Coverage - while the harvested crop is being transported to the first place of storage) including but not limited to any drying apparatus, drying bin or storage of any kind)
  • Fire Department Service Charge up to $500
In addition, at no extra cost, Harvested Grain is covered while being stored on or transported from the farm premises against the following perils (except for special exclusions):
  • Fire and Lightning
  • Windstorm
  • Collision
  • Upset or Overturn of Vehicle Transporting Grain
  • Collapse of bridges, docks and culverts
  • Theft
  • Vandalism or Malicious Mischief
Crop Hail plans:
  • Basic: 0% Deductible pays at 1% payable loss
  • DXS5: 5% Deductible disappears at 25% payable loss
  • DXS10: 10% Deductible disappears at 50% payable loss
  • DDA: 10% Deductible disappears at 25% payable loss
  • DDB: 20% Deductible disappears at 40% payable loss
  • DDC: 30% Deductible disappears at 55% payable loss
  • XS10: 10% Deductible is Mandatory and remains throughout the payable loss; 100% damage pays 90%
  • XS10IP: Excess over 10% loss has increasing payment of .5% for 1% loss after 70% damage
  • XS15: 15% Deductible is Mandatory and remains throughout the payable loss; 100% damage pays 85%
  • XS15IP: Excess over 15% loss has increasing payment of .5% for 1% loss after 70% damage
  • Comp 2: No liability for loss until the loss exceeds 5%; thereafter, the loss is paid by 200% of the amount in excess of 5%
  • B or C 2: Basic policy pays loss at Basic Plan through the first 10% damage; thereafter, the policy is paid by 200% of the amount in excess of 5%
  • Comp 2D10: No liability for loss until the loss exceeds 10%; thereafter, the loss is paid by 200% of the amount in excess of 10%
Endorsements include:
  • Wind Coverage for Field Corn: Coverage for losses due to Green Snap, Lodging, or non-recoverable ears that have been severed from the stalk due to wind
  • Green Snap Coverage for Field Corn: Coverage for losses due to Green Snap or non-recoverable ears that have been severed from the stalk due to wind
Crop Hail Production Plan (CHPP) is available for corn, soybeans and wheat.
The USDA Risk Management Agency (RMA) provides Multiple Peril Crop Insurance (MPCI) as a risk management tool available to agricultural producers. Producers should consider how a policy will work in conjunction with their other risk management strategies to insure their business is soundly protected. Nodak Insurance Company agents are here to work with producers in developing the best management protection plan for each individual business.
Various insurance plans provide coverage for specific commodities and are available for most commonly raised commodities.
Revenue Protection - Protects producers against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects and disease, and revenue losses caused by a change in the harvest price from the projected price.
Revenue Protection with Harvest Price Exclusion - Protects producers in the same manner as Revenue Protection policies, except the amount of insurance protection is based on the projected price only (the amount of protection is not increased if the harvest price is greater than the projected price).
Yield Protection - Protects producers against yield losses only due to natural causes such as drought, excessive moisture, hail, wind, frost, insects, and disease. The level of coverage is determined using the same projected price as Revenue Protection policies.
Actual Production History (APH) - Protects producers against yield losses only in the same manner as Yield Protection policies, except the price is established annually by Risk Management Agency (RMA).
Catastrophic Risk Protection (CAT) - Pays 55% of the price of the commodity established by RMA on crop losses in excess of 50%. The premium on CAT coverage is paid by the Federal Government; however, producers must pay a $300 administrative fee for each crop insured in the county. Limited Resource producers may have this fee waived. CAT coverage is not available on all types of policies.
The following insurance plans provide coverage based on the experience of the county.
Area Risk Protection Insurance (ARPI) - this insurance plan provides coverage for specific crops based on the experience of an entire area, generally a county. The amount of insurance protection is based on the projected price, however can increase if the harvest price is greater than the projected price.
Area Risk Protection with Harvest Price Exclusion (ARPI-HPE) - Protects producers in the same manner as ARPI, except the amount of insurance protection is based on the projected price only (the amount of protection is not increased if the harvest price is greater than the projected price).
Area Yield Protection (AYP) - this insurance plan provides yield coverage for specific crops based on the experience of an entire area.
Margin Protection (MP) - Protect producers against an unexpected decrease in operating margin (revenue less input costs), caused by reduced county yields, reduced commodity prices, increased prices of certain inputs, or any combination of these perils. Because MP is area-based (average for a county), an individual farm may have a decrease in its margin but not receive an indemnity or vice-versa. In this respect, MP behaves in the same manner as coverage under Area Risk Protection Insurance (ARPI). MP has a Harvest Price Option. The data source for all county yields is NASS. Coverage is available for Wheat, Corn and Soybeans.
Dollar - Protect producers against declining value due to damage that causes a yield shortfall. The amount of insurance is based on the cost of growing a crop in a specific area. A loss occurs when the annual crop value is less than the amount of insurance. This coverage is designed for Forage Seeding.
Rainfall Index (RI) - Area-based plan protects Pasture, Rangeland and Forage (PRF) for perennial pasture, rangeland, or forage used to feed livestock. The RI plan also provides coverage for Apiculture. It provides producers a risk management tool to cover the precipitation needed to produce forage for their operation. It's based on weather data collected and maintained by the National Oceanic and Atmospheric Administration's (NOAA) Climate Prediction Center.
Livestock policies - Designed to insure against declining market prices of livestock and not any other peril. Coverage is determined using futures and options prices from the Chicago Mercantile Exchange Group. Price insurance is available for Swine, Cattle, Lambs and Milk. There are two types of plans available: Livestock Risk Protection (LRP) provides coverage against market price decline, and Livestock Gross Margin (LGM), provides coverage for the difference between the commodity and feeding costs.
Whole Farm Revenue Protection (WFRP) - provides coverage against the loss of revenue that you expect to earn, or will obtain from commodities you produce or purchase for resale during the insurance period under one insurance policy. This insurance plan is tailored for any farm with up to $8.5 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.


The U.S. Department of Agriculture (USDA) prohibits discrimination against its customers, employees, and applicants for employment on the bases of race, color, national origin, age, disability, sex, gender identity, religion, reprisal, and where applicable, political beliefs, marital status, familial or parental status, sexual orientation, or all or part of an individual's income is derived from any public assistance program, or protected genetic information in employment or in any program or activity conducted or funded by the Department. (Not all prohibited bases will apply to all programs and/or employment activities.)
If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, found online at http://www.ascr.usda.gov/complaint filing cust.html, or at any USDA office, or call (866) 632-9992 to request the form. You may also write a letter containing all of the information requested in the form. Send your completed complaint form or letter by mail to the U.S. Department of Agriculture, Director, Office of Adjudication, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410, by fax (202) 690-7442 or email at program.intake@usda.gov.
Individuals who are deaf, hard of hearing or have speech disabilities and wish to file either an EEO or program complaint please contact USDA through the Federal Relay Service at (800) 877-8339 or (800) 845-6136 (in Spanish).
Persons with disabilities, who wish to file a program complaint, please see information above on how to contact the Department by mail directly or by email. If you require alternative means of communication for program information (e.g., Braille, large print, audiotape, etc.) please contact USDA's TARGET Center at (202) 720-2600 (voice and TDD).

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Nodak Insurance Company

1101 1st Ave N
Fargo, ND 58102

877-814-5011