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NC State Extension

Crop Insurance

Crop insurance products can help manage risk by supporting income in bad times. When perils beyond the farmer’s control significantly reduce revenues, crop insurance can provide indemnities that can help support lost revenues. In this way, crop insurance can serve as an important safety net for blueberry growers.

Crop insurance as a safety net is not free; there are premium costs. This means producers have to ask themselves the following: Does my operation need a safety net in the form of crop insurance? How much am I willing to pay for this crop insurance? If I want crop insurance, what types of insurance are available and what type do I need?

The crop insurance options available today for blueberry producers in North Carolina are:

  • Non-Insured Crop Disaster Assistance Program (NAP)
  • Adjusted Gross Revenue Lite (AGR-Lite)

Non-Insured Crop Disaster Assistance Program (NAP) is a “crop insurance” product for crops that are not currently covered under the traditional federal crop insurance program administered by the Risk Management Agency (RMA). It is similar to the RMA’s catastrophic (CAT) policy where payments are made to producers when they experience losses greater than 50 percent of their average yield

Whole-Farm Revenue Protection (WFRP) insurance provides coverage against the loss of revenue that you expect to earn, or will obtain from commodities you produce or purchase for resale during the insurance period under one insurance policy. WFRP combines the Adjusted Gross Revenue (AGR) and Adjusted Gross Revenue-Lite (AGR-Lite) pilot programs and provides additional enhancements.