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Whole-Farm Revenue Protection (WFRP)

Whole-Farm Revenue Protection (WFRP) provides a risk management safety net for all commodities on the farm under one 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 and succeeding policy years:

  • Increase the maximum insurable revenue for WFRP from $8.5 million to $17 million, allowing more producers to participate in the program;
  • Replace 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 yield reporting requirements at the sales closing date to streamline record keeping and reduce overall paperwork; and
  • Increase 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.

2021 WFRP Program Improvements

The Whole-Farm Revenue Protection (WFRP) program went through improvements for to decrease paperwork and recordkeeping burdens for direct marketers beginning with the 2021 crop year.

The newly implemented changes allow producers to report two or more direct-marketed commodities as a combined single commodity code with a combined expected revenue for all commodities. Additionally, the combined direct-marketed commodities will count as two commodities in calculating the diversification premium discount. Under WFRP, farms with two or more commodities receive a premium rate discount, reflecting the lower risk of revenue loss due to the farm’s diversification. Revenue history will be based on reported revenue from the combined direct-marketed commodities and total acres planted to those commodities. This lessens reporting burdens by alleviating the requirement to report detailed sales or yield records from any specific commodity reported under the direct market commodity code.

2020 WFRP Crop Insurance Plan Changes

The Whole-Farm Revenue Protection policy underwent changes for the 2020 crop year to increase its flexibility and the effectiveness of the program (RMA Product Management Bulletin PM-19-048). The following changes were made to the 2020 WFRP plan of insurance:

  • Allows operations involving animals/animal products and nursery commodities with over $1 million in expected revenue to be eligible for coverage but caps such coverage at $2 million for each category.
    • Limits insured revenue for animals, animal products, and nursery commodities to $2 million.
    • Farm operations with over $2 million in animal/animal product or nursery commodities may be eligible for WFRP.
  • Offers several new smoothing options to help moderate the impacts of disaster years on historical revenue.
    • Revenue Exclusion – exclude the lowest historical revenue.
    • Revenue Substitution – substitute low historical revenues with 60% of the historical average.
    • Revenue Cup – limit decreases in historic average revenue to 90% of prior year’s approved revenue.
  • Excludes disaster and program payments from historic allowable revenue and revenue-to-count at claim time.
  • Revised the indexing calculation to trend all historical revenue years up to current year.
    • Capped at the highest historical revenue amount.
  •  Allows insureds to receive both Noninsured Disaster Assistance Program (NAP) and a WFRP indemnity.
    • NAP benefits will not be counted as revenue-to-count up to the WFRP deductible
  • Added language to allow coverage for Industrial Hemp production.
    • Must comply with applicable state, tribal, and/or federal regulations
    • Coverage eligibility includes hemp produced under the research pilot requirements of Section 7606 of the Agricultural Act of 2014.
    • Must be grown under a marketing contract with a processor.
    • Does not include replant coverage on hemp.
    • “Hot” hemp will not be considered an insurable cause of loss.

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

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

*Coverage is summarized. Refer to the actual policy for applicable terms, conditions, limits and exclusions.

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