Crop Insurance

Your Options for Farm Protection

Local Coverage for Weather, Drought, and Market Risks

Farming means facing risks you can't control-hail, drought, prevented planting, and price swings. Crop insurance is your safety net, protecting your farm's income when weather or market realities threaten a good year. Gateway Insurance offers local experience and a full range of federal and private crop insurance products, serving producers in all surrounding rural communities.

Which Coverage Fits Your Operation?

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MPCI (Multi-Peril Crop Insurance)

The foundation of most farm protection-federal coverage for loss from weather, disease, or price drops. Options for yield or revenue protection.

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Crop Hail Insurance

Fills the gaps left by MPCI, covering hail and fire risks at the field or acre level-often used to supplement federal policies.

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PRF (Pasture, Rangeland, Forage) Rainfall Index

Insurance for grazing and hay land-triggers payouts based on rainfall measured in your area.

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LRP (Livestock Risk Protection)

Covers cattle and livestock prices, protecting your marketing plan from adverse price swings.

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Precision Reporting & Claims Help

Get support with acreage, production, and claims documentation.

Protecting Your Crops from Field to Market

Every growing season brings risk. Our crop insurance programs cover losses from weather, disease, and price changes; so you can focus on production, not uncertainty.

Enhanced Coverage Option (ECO) is a new multiple-party crop insurance (MPCI) option that provides area-based coverage for a portion of your underlying policy’s deductible in a manner similar to the Supplemental Coverage Option (SCO). It uses the same expected and final area yields, projected and harvest prices, and payment factors as SCO, but covers a band from 86 percent (where SCO coverage triggers) up to 90 or 95 percent of expected crop value. Like SCO, ECO is based on your underlying policy plan of insurance.

The Supplemental Coverage Option (SCO) is a crop insurance option that provides additional coverage for a portion of your underlying crop insurance policy deductible. It must be purchased as an endorsement to the Yield Protection, Revenue Protection, or Revenue Protection with the Harvest Price Exclusion policy or to the Actual Production History policy for crops that don’t have revenue protection available. 


SCO is designed to cover losses at the county level, complementing the farm level coverage for your primary policy.



The Federal Government subsidizes 65 percent of the premium cost for SCO, making it a cost-effective way to reduce financial risk

Independent, Experienced, and Focused on your Farm

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Licensed, local crop insurance agents who understand agriculture

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Access to multiple carriers (RCIS, Agri-Sompo, FmH, and more)

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Annual policy reviews and planning-so you know the coverage fits your current acres and crops

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Proactive reporting support-help with acreage, production, and claims paperwork to avoid missed deadlines

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Answers when you need to choose coverage, make changes, or file a claim

Farming in Bismarck/Mandan, and surrounding areas

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Hail and wind damage can hit hard and fast-crop hail insurance is tailored for our weather patterns

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Drought cycles and rainfall deficits-PRF and MPCI respond to area rainfall and yield losses

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Prevented planting and replant options-know what your policy covers and what decisions you'll face after a tough spring

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Marketing risk-LRP and other tools to protect livestock producers as prices shift

FAQs on Crop Insurance

  • Who sells crop insurance near Bismarck?

    Gateway Insurance-your local, licensed agents with multiple carrier options.

  • What crop insurance options are available?

    MPCI, crop hail, PRF rainfall index, LRP livestock protection, and specialized endorsements.

  • MPCI vs crop hail-what's the difference?

    MPCI is federal, multi-peril (weather, yield, revenue). Hail is private, specific to hail/fire losses.

  • What is PRF rainfall index insurance?

    Insurance for pasture/hay land based on actual rainfall in your area; triggers payouts if rainfall is below normal.

Build Protection Around Your Acres-Get Local Crop Insurance Advice

Don't settle for generic. Gateway Insurance helps you choose, document, and manage your crop insurance-so your plan matches your operation and you're ready when risk strikes.