Whole Farm Revenue Protection

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Whole-Farm Revenue Protection (WFRP)

The WFRP provides overall revenue protection for all commodities produced on the farm and can be purchased in conjunction with other MPCI plans on those commodities (excluding those with a CAT endorsement). In addition to the traditional crops, WFRP also provides coverage for animals and animal products and commodities purchased for resale such as nursery (up to 50% of total). The policy does not cover timber, forest, forest products, and animals for sport, show or pets.

The policy is well-suited for:

  • Highly diverse farms;
  • Farms growing specialty commodities; and
  • Farms selling to direct markets, specialty markets, regional or local markets, and farm-identity preserved markets.

WFRP insured revenue is the lower of:

  • The growers current year’s expected revenue (determined by their farm plan) at the selected coverage level; or
  • The historic revenue adjusted for growth at the selected coverage level.


The WFRP final revenue is based upon revenue “produced” in the insurance year.

  • Any commodity not harvested or sold will count as revenue;
  • A commodity grown last year and sold this year will not be covered;
  • For commodities with added growth each year, only the growth for the insurance year counts.


Example: Calves worth $800 at beginning of the year and to be sold at $2000, the value insured will be $1200.
Inventory and Accounts are used to get the “produced” amounts. Prices used to value commodities to be grown must meet the expected value guidelines in the policy.

Coverage Levels

The policy covers up to $8.5 million of revenue.

  • Farm/ranch may have up to 35% of expected revenue from animals and animal products up to maximum of $1 million.
  • Farm/ranch may have up to 35% of expected revenue from greenhouse/nursery up to maximum of $1 million.


Farm Expansion

The policy provides for adjustment of the historic revenue reflect farm expansion

  • Automatic indexing process accounts for farm growth historically.
  • Expanding operations provision allows for 10% growth over historic average with insurance company approval.
  • Proof of physical growth is required.



Premium subsidy is available and depends on farm diversification.

  • Farms with 2 or more commodities (commodity count) receive whole-farm premium subsidy.
  • Farms with 1 commodity receive basic premium subsidy.


Reporting Documents

Growers will need to provide the following to establish the guarantee:

  • Five years of farm tax forms are required to establish the 5 years historical average. For example, 2015 required tax forms from 2009-2013. The producer will need to indicate what type of tax filer they are:
    • Calendar year tax filer; or
    • Fiscal year tax filer and what the fiscal year is.
  • The farm plan for the insured year; and
  • Other information as applicable, such as supporting records, organic certification, inventory or accounts receivable information