Pasture, Rangeland, and Forage Insurance
(PRF)
The Pasture, Rangeland, and Forage (PRF) Insurance product is designed for today’s farmers and ranchers, offering innovative solutions for effective risk management. It utilizes rainfall index data as an objective measure to determine losses and trigger claims, ensuring timely and fair payouts. This product addresses the unpredictability of rainfall and its impact on forage productivity, providing peace of mind for producers. With flexible policy periods, producers can tailor their coverage to align with their operational schedule and the critical growth stages of forage, offering protection when it’s needed most. Our experienced agents are available to offer guidance in optimizing coverage and minimizing risk. Additionally, we provide a range of educational resources and tools to help producers understand and effectively manage their risk with PRF Insurance.

PRF
The Pasture, Rangeland, and Forage (PRF) insurance program provides coverage for your perennial pasture, rangeland, or forage acres. It safeguards against losses in forage production, which can lead to higher costs for feed, destocking, or depopulating livestock, and other necessary measures.
PRF is available in the 48 contiguous states, with a few exceptions for grids that cross international borders. Certified organic and transitional organic irrigated hay practices are eligible for coverage.
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COVERAGE BASED ON PRECIPITATION
Coverage is determined by the lack of precipitation using the Rainfall Index area-based insurance plan. The Rainfall Index (RI) utilizes weather data from NOAA’s Climate Prediction Center and reflects the amount of precipitation received compared to the long-term average for a specific area and time period.
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Note: Payments are not triggered by drought resulting from windy or dry conditions.
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INDEX INTERVAL DATES
You must choose at least two, two-month periods, known as index intervals, during which precipitation is critical for forage growth and production. For more information about available intervals by practice and type, please give us a call.