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Crop insurance


Dealing with crop insurance can be confusing. With all the rules and deadlines to remember, you need an Alerus Insurance Specialist to keep you informed of deadlines, regulations, and changes that may affect your operation.

Alerus Insurance Specialists can help you protect what you’ve worked so hard for by designing a crop insurance package that’s right for you.

multi-peril crop insurance

Multi-Peril Crop Insurance provides coverage for Mother Nature’s unavoidable losses against a reduction in yields. There may also be revenue coverage available that can help protect against revenue losses. MPCI is administered by the Risk Management Agency of the USDA.

Does cost vary from agent to agent?
No, rates are set by the Risk Management Agency. However, different approved yields or levels of coverage selected will affect your cost per acre.

How does it work?
Loss payments apply when, due to an insured peril, the number of harvested bushels is less than your bushel guarantee.

Revenue coverage may also be available.

crop hail insurance

While this insurance protects mainly losses from hail, most policies also include fire, limited transit, and storage protection.

Does cost vary from agent to agent?
Yes, each individual insurance company sets their own rates that may vary by crop, township, and policy type.

How does it work?
With a basic policy, generally you get paid the percentage of loss on your liability. For example, if you have a 25% loss with $100/acre coverage, you will get paid $25/acre. There are many other policy options available.

Alerus insurance specialists take the time to truly understand your operation before they provide advice and recommendations. This approach gives you customized solutions that fit your needs.

Learn more. Meet our team of specialists.

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