Custom Solutions for Smarter Coverage

While federal crop insurance provides essential protection, it doesn’t cover every risk that farmers face. That’s where private product and named peril policies come in - by targeting specific risks or gaps MPCI policies may miss.

At Great American, we offer flexible private products to help close the coverage gap.

Discover more about the private product policies we offer—and how they can strengthen your risk management strategy.

Private Product Coverages

Great American Plus (GAP)

Great American Plus (GAP) policies are designed to help farmers close the gap between their federal MPCI coverage and their actual revenue needs with coverage options up to 95%. With flexible options such as GAP Yield, GAP Revenue or GAP OE, growers can tailor plans to their operation and underlying MPCI.

GAP is available for corn (grain) and commodity soybeans in select states and counties. It’s a smart way to strengthen your risk management strategy with the backing of Great American Insurance Group.

RPowerD™

RPowerD™ gives farmers greater flexibility in marketing their crops by protecting against price fluctuations. With customizable price discovery periods and the ability to lock in current market prices, RPowerD enhances your revenue coverage. Choose the coverage that fits your operation—with levels ranging from 70% to 95%, multiple price discovery options and the flexibility to insure all or a portion of your liability.

MPowerD

MPowerD enhances the Margin Protection (MP) policy by giving producers access to additional price discovery options beyond those included in the standard MP plan.

Growers who choose Margin Protection are focused on managing risks tied to yield, commodity prices, and input costs. MPowerD allows these growers to take an extra step in risk management by customizing commodity price discovery methods to better align with their marketing strategies and financial goals.

Wind and Green Snap

Green Snap or Wind coverage protects against wind-related losses on grain corn, seed corn and sweet corn. In addition to traditional wind coverage, insureds can elect 110 Wind on any of the wind plans available. The 110 Wind option introduces a backstop equal to 110% of a producer’s Rate Yield, so indemnities more accurately reflect actual production losses.

Replant Coverage

The Replant Coverage Endorsement provides supplemental replant coverage from the first acre of loss (no 20/20 rule). Available for select crops and states.

Fire Coverage

Fire Coverage protects against unavoidable crop loss due to fire or lightning before or during harvest, while in the harvester or during transport to the first storage location (up to 50 miles). Eligible crops vary by state but typically include wheat, corn, soybeans, oats, barley and seeds.

Hay Fire & Theft

Hay Fire & Theft covers stacked hay stored at specified locations. Terms range from 30 days to one year, with options for fire-only or fire-and-theft coverage.

Freeze Coverage

Citrus Freeze protects citrus fruit from freeze and frost damage.

Citrus Business Interruption covers packers for losses due to freeze-damaged fruit supply.

Grape Cluster Freeze insures against frost or freeze damage to grape clusters or inflorescence. Available in California only.

Rain Coverage

ELS Cotton covers grade reductions due to rainfall (color grade 3 or higher).

Tomato Rain protects canning and processing tomatoes from excess rainfall that prevents harvest or causes rejection due to mold or rot.

Raisin Reconditioning reimburses reconditioning costs if rain damages raisins during drying and they fail USDA inspection. Also includes coverage for extra field expenses.

Added Price Protection (APP)

The APP policy gives growers added protection by allowing them to purchase a set dollar amount of coverage per bushel or pound—on top of their federal MPCI policy. If there’s a yield loss on the MPCI policy, the APP policy can trigger an additional payment. With flexible coverage options, you can tailor protection to fit your operation’s needs. APP is available for select crops and states and must be paired with an MPCI policy (RP, YP or APH) at the 65% level or higher.

Winterkill

Winterkill Replant Coverage reimburses growers for replanting winter wheat when at least 10% of insured acres are damaged by freeze or snow mold. This endorsement, added to your Crop-Hail policy, helps offset the costs of fuel, machinery, labor and seed needed to restore your crop after a covered loss.

Extra Harvest Expense

We understand the extra time and wear and tear it takes to harvest corn that’s been blown down. Extra Harvest Expense (EHE) coverage provides protection for this loss of time. EHE losses are determined immediately before harvest and calculated per acre based on your insured “Field” size. A payment may be triggered if the area damaged by “blown down” stalks is at least 20 acres or represents 20% or more of the insured “Field”. Available for 5% or 8% options in select crops and states.