BAND

What is BAND Coverage?

BAND Coverage is a highly flexible, private crop insurance solution that allows you to design a customized policy tailored to your specific risk management needs.

Unlike traditional “one-size-fits-all” products, BAND Coverage gives you the freedom to create your own coverage structure—so you get protection exactly where and when you need it most. 

What does BAND Coverage protect against?

BAND Coverage is designed to protect against:

• Shallow losses that may not trigger traditional policies
• Revenue or yield drops depending on your chosen plan
• Input cost exposure
• Price risk, with optional enhanced price protection

This makes it an effective tool for strengthening your overall financial resilience.

How is BAND Coverage different from traditional crop insurance?

BAND stands out by offering unparalleled customization and flexibility:

• You select when coverage begins and ends
• You control your deductible through your trigger level
• You design a coverage range tailored to your risk tolerance
• You choose your level of price protection

Instead of adapting your operation to a policy, BAND allows the policy to adapt to you.

What are the key components of BAND Coverage?

BAND Coverage is built on three key elements:

• Loss Trigger: The coverage starting point (from 95% down to 50% of your APH), which determines your deductible
• Coverage Range: The percentage band below the trigger where protection applies (5%–95%, in 1% increments)
• Protection Factor: The percentage of price protection applied to your coverage

Together, these components give you thousands of possible combinations to customize your policy.

What types of BAND Coverage are available?

You can choose from four coverage options:

• Yield BAND
• Yield BAND with Harvest Price Option (HPO)
• Revenue BAND
• Revenue BAND with Harvest Price Exclusion (HPE)

This variety ensures there’s a solution for both yield-focused and revenue-focused operations.

How customizable is BAND Coverage?

Extremely customizable. BAND offers:

• Coverage ranges selectable in 1% increments
• Loss triggers tailored to your risk tolerance
• Flexible price protection options
• Independent unit structure (separate from your MPCI policy)

With thousands of configuration possibilities, you can fine-tune coverage for your exact operation and financial goals.

Can BAND Coverage help with price protection?

Yes. BAND Coverage gives you the ability to target and secure additional price protection beyond standard market discovery periods.

You can:

• Select a desired price level
• Customize when price protection is triggered
• Add incremental price coverage to complement your MPCI policy

This makes BAND especially valuable in volatile market conditions.

How does BAND work with my existing MPCI policy?

BAND is designed to work alongside your MPCI coverage by:

• Filling gaps in coverage (especially shallow losses)
• Enhancing liability and protection levels
• Offering flexibility in unit structure, even if it differs from your MPCI policy

It acts as a powerful complement to your existing risk management strategy.

What crops are eligible for BAND Coverage?

BAND Coverage is available for a wide range of crops, including:

• Corn and soybeans
• Wheat, cotton, rice, and sorghum
• Specialty crops like almonds, grapes, and blueberries
• And many more

Revenue and HPO options are currently limited to corn and soybeans, while yield coverage applies to a broader set of crops.

Are there any exclusions?

Yes. BAND Coverage is not available for certain situations, including:

• Prevented planting acreage
• Replant costs
• Organic acreage
• Catastrophic (CAT) or Whole-Farm Revenue Protection policies
• Second or double-cropped acres
• Uninsurable or unclassified acreage

Additional restrictions may apply depending on your location and policy details.

What unit structures can I choose?

BAND offers flexible unit options, including:

• Optional Units
• Basic Units
• Enterprise Units
• Multi-County Enterprise Units

Importantly, your BAND unit structure does not have to match your MPCI policy, giving you greater control over how your coverage is organized. 

Why choose BAND Coverage?

BAND Coverage delivers:

• Complete customization and flexibility
• Protection against shallow losses
• Enhanced price protection options
• Improved financial security and input cost recovery
• Thousands of possible coverage combinations

It’s one of the most powerful and adaptable crop insurance tools available today.