checking corn quality

If there’s anything farmers understand, it’s uncertainty. From volatile weather to price swings to a global pandemic, they have persevered through it all.

The best way to protect against the unknown is with a sound risk management plan, said Mike Goins, Farm Credit Mid-America’s Regional Vice President for Crop Insurance.

“It’s the only way a grower can really guarantee their income,” he said. “There are so many risks, and crop insurance is how farmers can deal with those risks.”

Choose the right insurance for your operation

While crop insurance is a must, policies aren’t one-size-fits all. There are many combinations of policies to choose from, and selections must be tailored to a farm’s unique circumstances. Goins recommends growers start planning now by knowing intended acres, what their average yields are and their cost of production for the upcoming crop year.

“Understand your business plan and get crop insurance for that specific plan,” Goins said.

Work with a knowledgeable agent

With so many different policies – subsidized, unsubsidized, government programs– the selection process can be confusing. Farm Credit Mid-America has 64 non-commission-based agents across Ohio, Indiana, Kentucky and Tennessee, who continuously evaluate and analyze new policies and programs for customers.

“Choosing a policy is just one step in the process,” Goins said. “Having a knowledgeable agent and solid company behind you is key.”

Additionally, Farm Credit Mid-America customers have access to an exclusive data-driven tool that allows agents to use real-time data, including a producer’s unique, individual policy information, county data and specific crops and yields. The program then gives a variety of recommendations customized to that unique operation.

“There are a thousand what-if scenarios,” Goins said. “Our tool takes the guesswork out of choosing what’s right for you.”

Don’t wait until spring – the time to start is now

Growers have until the March 15 sales-closing deadline for spring crops, but the selection process should begin now. Determining average yields, costs to plant, and potential risks will help growers and agents find the right policies.

“Get started early so you can understand your options and not have to make a rush decision,” Goins says. “With so much uncertainty, crop insurance is the best way to mitigate risk.”

To connect with a Farm Credit Mid-America agent in your area, contact 800-444-FARM or visit us at

Labor has always been an issue, mainly because we are a seasonal operation. So that's a challenge finding somebody who only wants to work three months out of a year, sometimes up to six months.
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