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Actual Production History (APH)

APH guarantees the producer a yield based on the actual production history of their crops.

The APH plan of crop insurance provides the producer protection against a loss of production due to nearly all unavoidable, natural occurring events. For most crops, that includes drought, excess moisture, cold and frost, wind, flood and unavoidable damage from insects and disease.

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Understanding the Crop Insurance Process
Benefits of APH

Coverage type: Individual yield

Insures against: Production loss

Administrative fee: $30, $655 CAT

Coverage levels: 50% to 85%

Guarantee: Production guarantee = APH approved yield x coverage level

How APH Works

The guarantee is calculated by multiplying their average yield by the level of coverage elected for the producer’s share of the crop. An indemnity may be due if the production (harvested and appraised) is less than the guaranteed amount.

The pricing for most crops insured under the APH plan of insurance is established by RMA.

Many of our perennial crops such as apples, peaches and grapes fall under the APH plan, as well as crops that do not have revenue coverage available. Some grain crops such as oats, rye, flax and buckwheat can also covered under the APH plan of insurance.

How is an APH indemnity calculated?

In the event of loss or damage covered by an APH policy, the claim will be settled by the procedures found in the appropriate policy provisions. For example purposes, an indemnity will be owed if: the production to count x price election is less than the value of the production guarantee x insured acres.

Learn more with our crop insurance comparison guide
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Pro Ag Management, Inc.* (collectively with its corporate affiliates, “ProAg®”) is a managing general agency representing several risk bearing insurance companies, including Producers Agriculture Insurance Company and U.S. Specialty Insurance Company and doing business as Pro Ag Insurance Services, Inc. in California, CA Entity License #0F34212. The insurance products described on this website may not be a complete list of all products offered and may not be offered in all states. The provided information does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by ProAg or any of its subsidiaries; always refer to the policy provisions.  Actual coverages will vary based on the terms and conditions of the policy issued.