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Whole-Farm Revenue Protection (WFRP)

Whole-Farm Revenue Protection provides a risk management safety net for all commodities on the farm under one crop insurance policy.

Whole-Farm Revenue Protection (WFRP) provides a risk management safety net for all commodities on the farm under one insurance policy and is available in all counties nationwide. This crop insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.

WFRP provides protection against the loss of insured revenue due to an unavoidable natural cause of loss which occurs during the insurance period and will also provide carryover loss coverage if you are insured the following year. See the policy for a list of covered causes of loss.

2023 WFRP Program Improvements

The following changes to the WFRP plan of insurance and the Micro Farm (en español) program are applicable for the 2023 crop year and succeeding policy years:

  • Increase to the maximum insurable revenue for WFRP from $8.5 million to $17 million, allowing more producers to participate in the program;
  • Replace the existing expense reporting procedures with a 40% reduction in expected revenue for commodities which cannot be planted due to insurable causes. This reduction results in a similar value to prevented planting payments for other FCIC reinsured programs while reducing the total amount of paperwork required for the policy;
  • Adjust the yield reporting requirements at the sales closing date to streamline record keeping and reduce overall paperwork; and
  • Increases the maximum approved revenue for the Micro Farm program from $100,000 to $350,000, addressing stakeholder concerns that the low maximum approved revenue was limiting access to Micro Farm for local foods producers.

What do I need to know about the Whole-Farm Revenue Protection Policy?

Where is WFRP available?

WFRP is available in all counties in all 50 states.

What are the causes of loss?

WFRP provides protection against the loss of insured revenue due to an unavoidable natural cause of loss which occurs during the insurance period and will also provide carryover loss coverage if you are insured the following year. See the policy for a list of covered causes of loss.

What are the important dates for the Whole-Farm Revenue Protection policy?

Sales Closing, Cancellation and Termination Dates

  • Calendar year and early fiscal year filers          January 31, February 28, or March 15 (by county)
  • Late fiscal year filers          November 20
  • Revised Farm Operation Reporting Date (All filers)         July 15
  • Contract Change Date          August 31

What is the insurance period for the WFRP crop insurance policy?

Coverage is provided for the duration of the producer’s tax year (the insurance period). The insurance period is a calendar year if taxes are filed by calendar year, or a fiscal year if taxes are filed by fiscal year.

What are the highlights of WFRP crop insurance policy coverage?

Whole-Farm Revenue Protection protects your farm against the loss of farm revenue that you earn or expect to earn from:

  • Commodities, including Industrial Hemp, you produce during the insurance period, whether they are sold or not
  • Commodities you buy for resale during the insurance period
  • All commodities on the farm except timber, forest and forest products; and animals for sport, show or pets

You can buy WFRP alone or with other “buy-up” level (additional coverage) Federal crop insurance policies. When you buy WFRP with another Federal crop insurance policy, the WFRP premium is reduced due to the coverage provided by the other policy. If you have other Federal crop insurance policies at catastrophic coverage levels you do not qualify for WFRP.

Operations that have been expanding over time may be allowed to increase their approved revenue amount based on an indexing procedure. If you can show that your operation has physically expanded (land, animals, facilities or production capacity) so it has the potential to produce up to 35% more revenue than the historic average, your Approved Insurance Provider (AIP) may approve your operation as an expanding operation to reflect that growth in the insurance guarantee. If you can show your operation has physically expanded based solely on certified organic production, your AIP may approve your operation as an expanding operation up to the higher of 35% or $500,000 more than the historic average.

Claims are settled after taxes are filed for the policy year. A loss under the WFRP policy occurs when the WFRP revenue-to-count for the insured tax year falls below the WFRP insured revenue.

Click here to download our Whole-Farm Revenue Protection brochure.

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Experience the ProAg difference today. Contact your local, trusted ProAg crop insurance agent today. Let us protect your whole farm with the superior service you expect from ProAg.

WFRP Crop Insurance Policy Information:

Other Helpful Information:

Recordkeeping Aids for Direct Market Producers:

  • Recordkeeping Aid for Direct Marketers with Price Information: PDF | Excel
  • Basic Recordkeeping Aid for Direct Marketed Commodities: PDF | Excel

Contact a trusted ProAg agent about WFRP today!

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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.