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Farm and Ranch Insurance in North Central United States

Biotechnology Endorsement

The Pilot Biotechnology Endorsement (BE) provides a premium rate reduction if at least 75percent of the acres in each unit of corn for grain is planted to a qualifying hybrid.

Availability
This endorsement is available in all Colorado, Nebraska, South Dakota counties in which an eligible policy and plan of insurance is offered. Restrictions do apply, so let Federal Crop Agency help you determine if this program the right fit for you.

Eligibility Requirements
Applicants for BE are required to purchase a Yield Protection, Revenue Protection or Revenue Protection with Harvest Price Exclusion plan of insurance at a coverage above the catastrophic 50 percent level. Additionally, 75 percent of their corn acres of an insured unit must contain the specific corn hybrid trait combinations as specified. All other program requirements must be met to realize a rate reduction, including U.S. Environmental Protection Agency (EPA) refuge acre requirements. Insureds should see their seed dealer for refuge planting details.

How It Works
Crop insurance premiums will be reduced by the BE rate reduction when an insured meets all pilot program requirements, reports eligible units of insured corn to his/her crop insurance agent on or before the respective acreage reporting date and offers assistance if selected for mandatory review per regulations.

BE Premium Discount
12 percent to 24 percent premium rate reductions are calculated from a producer's average yield history as well as the plan and level of crop insurance coverage elected. The discount will be a higher percentage for lower coverage level policies and lower percentage for higher coverage level policies. The premium rate reduction applies only to the yield portion of the crop insurance premium (excluding the revenue rate factors).

Hybrid Eligibility
A chart detailing qualifying hybrids can be found below. Additionally, in order to be a qualifying hybrid, the corn hybrid planted must be seed that was obtained for planting in the crop year in which the premium rate reduction will be applied. Corn hybrids planted using seed that was obtained for planting in a prior crop year do not qualify as a qualifying hybrid for the current crop year. (For example, corn hybrid seed that was obtained for planting in the 2009 crop year, but was not planted until the 2010 or subsequent crop year, is not a qualifying hybrid for 2010 or subsequent crop years.)


Hybrid Practice Counties

Corn hybrids that contain one of only the following specific trait combinations:

  • 1. YieldGard® Rootworm, YieldGard® Corn Borer and Roundup Ready® Corn 2, marketed under the trade name YieldGard® Plus with Roundup Ready® Corn 2;
  • 2. YieldGard VT Rootworm/RR2® and YieldGard® Corn Borer, marketed under the trade name YieldGard VT Triple®;
  • 3. YieldGard VT Rootworm/RR2® and YieldGard VT PROTM, marketed under the trade name GenuityTM VT Triple PROTM;
  • 4. YieldGard VT Rootworm/RR2®, YieldGard VT PROTM, HERCULEX® I Insect Protection and HERCULEX® RW Rootworm Protection marketed under the trade name GenuityTM SmartStaxTM or SmartStaxTM;
  • 5. HERCULEX® I Insect Protection and HERCULEX® RW Rootworm Protection, marketed under the trade name HERCULEX® XTRA Insect Protection and Optimum® AcreMaxTM 1; or
  • 6. HERCULEX® I Insect Protection, HERCULEX® RW Rootworm Protection and Roundup Ready® Corn 2, marketed under the trade name HERCULEX® XTRA Insect Protection with Roundup Ready® Corn 2 and Optimum® AcreMaxTM
Non-irrigated and Irrigated All counties in Colorado, Illinois, Indiana, Iowa, Kansas, Michigan, Missouri, Minnesota, Nebraska, Ohio, South Dakota and Wisconsin..

Corn hybrids that contain one of only the following specific trait combinations:

  • 1. Agrisure® CB/LL, Agrisure® RW and Agrisure® GT, marketed under the trade name Agrisure® 3000GT; or
  • 2. Agrisure® CB/LL and Agrisure® RW, marketed under the trade name Agrisure® CB/LL/RW.
Non-irrigated and Irrigated All counties in Illinois, Indiana, Iowa, Kansas, Michigan, Missouri, Minnesota, Nebraska, Ohio, South Dakota and Wisconsin.

Responsibilities
Producer must:

  • Plant at least 75% of his/her insured unit corn acres that will be harvested for grain to a hybrid containing the specific trait combinations as seen in the provided table.
  • Complete the insured certification forms (with copies attached of all purchase and returned seed invoices for qualifying hybrids).
  • Report those insured units meeting the BE eligibility requirements to his/her crop insurance agent on or before the applicable acreage reporting date.
  • Assist crop insurance company representatives when or if selected as a random review under the BE rate reduction program.

Seed dealer must:

  • Provide seed receipt or purchase summary that indicates the state, county, seed company, seed hybrid and volume of qualifying seed purchased by the insured entity (minus returns).

Insurance agent must:

  • Accept all completed insured certification forms.
  • Assist insureds in completing the acreage reporting process including the BE information.
  • Process and report acres, plant dates and BE option by insurance unit for crop insurance purposes.

Crop insurance company must:

  • Process insured acreage reports and apply qualifying BE rate reductions by insurance unit.
  • Produce summaries of insurance coverage for insureds.
  • Complete timely random reviews of qualifying BE policies as dictated by the Federal Crop Insurance Corporation (FCIC) and the Biotechnology Endorsement

As part of the BE program, Federal Crop Agency agents will gladly assist each step of the way, from accepting all completed insured certification forms and assisting clients in completing the acreage reporting to providing coverage summaries, processing insured acreage reports and apply qualifying BE rate reductions as well as complete timely random reviews of qualifying BE policies as required.

Contact Us today at ( or visit the location nearest you, and let us find the right coverage for your farm and ranch needs. We can provide an free, exploratory quote that gives you a fast, accurate picture of rates and coverages.

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