Increased Coverage Election (ICE)

Does your current crop insurance coverage fall short of your farm revenue or yield needs? Do you need to increase the coverage provided by your Federal Crop Insurance policy? Find the solution in ProAg’s Increased Coverage Election* (ICE) named peril policy. ICE provides the opportunity to:

  • Supplement yield protection by increasing the price election selected on an applicable underlying Multiple Peril Crop Insurance (MPCI) policy or
  • Provide additional MPCI coverage against yield loss and/or revenue loss within a selected coverage band.

Key ICE Policy Highlights

  • The ICE policy is an annual policy.
  • Application must be made by the Federal Crop policy’s sales closing date for each year.
  • The annual premium is due October 1st.
  • The unit structure for the ICE policy will be optional or enterprise units as defined by the Common Crop Insurance Policy based on the ICE unit structure elected on the application. The ICE unit structure does not have to match the underlying MPCI policy.
  • The ICE Liability Factor is a percent of maximum available liability selected by the insured. The factor is between 50% and 100% of the ICE Liability.

ICE Availability

Increased Coverage Election is available on the crops listed in the following states:

  • Corn, Soybeans, Wheat: Colorado, Illinois, Indiana, Iowa, Kansas, North Dakota, Ohio, South Dakota, Wisconsin
  • Corn, Soybeans, Wheat, Sugar Beets: Michigan, Minnesota, Nebraska
  • Fall Program – Wheat Only: Illinois, Indiana, Iowa, Kansas, Nebraska, South Dakota
  • Fall Program – Wheat Only (Both Winter and Spring Wheat): Idaho, Oregon

ICE Coverage Options

The insured may select one of the following options. Options BY, BR, CY and CR are subject to a minimum deductible. Available unit structure for ICE will be optional or enterprise as defined by the Common Crop Insurance Policy basic provisions. The unit structure does not have to match the underlying MPCI policy.

  • Option AY: Increased coverage through an increase in selected price. If the insured chooses to increase coverage by adding on an additional price per bushel, then the ICE coverage level will match the applicable MPCI coverage level.
  • Option BY (Corn and Soybeans in IL, IN, IA, MN, OH, WI and MPCI coverage levels 70%, 75%, or 80% only): The insured may select to add on a band of coverage from 80% to 90% subject to a minimum deductible (in bushels).
  • Option BR (Corn and Soybeans in IL, IN, IA, MN, OH, WI and MPCI coverage levels 70%, 75%, or 80% only): The insured may select to add on a revenue band of coverage from 80% to 90% subject to a minimum deductible (in dollars).
  • Option CY (Corn and Soybeans in IL, IN, IA, MN, OH, WI and MPCI coverage levels 70%, 75%, 80% or 85% only): The insured may select to add on a band of coverage from 85% to 95% subject to a minimum deductible (in bushels).
  • Option CR (Corn and Soybeans in IL, IN, IA, MN, OH, WI and MPCI coverage level 70%, 75%, 80%, or 85% only): The insured may select to add on a revenue band of coverage from 85% to 95% subject to a minimum deductible (in dollars).

Contact Us for Complete Policy Details

See the policy provisions and/or contact your trusted ProAg agent for a complete description of available coverage, terms and conditions.


Click on the brochure thumbnail above to download our PDF brochure or click here.

* The Increased Coverage Election (ICE) policy is a private insurance product developed by ProAg and is not reinsured by the Federal Crop Insurance Corporation. Not all coverage or products may be available in all jurisdictions. The description of coverage in these pages is for informational purposes only. Actual coverage will vary based on the terms and conditions of the policy issued. The information described herein does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by ProAg or any of its subsidiaries.

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