Create a Stronger Safety Net for Your Crop Insurance
Even when your own fields do well, county-level losses across Minnesota can still impact market prices and local yield averages. Enhanced Coverage Option (ECO) and Supplemental Coverage Option (SCO) can add extra protection to your farm insurance plan. If you want personal guidance, Harvest Shield Insurance Agency helps you understand how these options strengthen your policy and secure more of what you work hard to grow.
Personalized Support for Minnesota Producers
ECO and SCO are powerful farm insurance tools, but knowing how they fit your operation can be complicated. Here, you don’t deal with a big agency—you work directly with a Minnesota local who is experienced in agriculture and always provides straightforward, practical advice.
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Guidance That’s Clear and Honest
Each supplemental coverage option is explained in plain language, so you’ll know exactly how your enhanced farm insurance works.
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Independent Advice
Our goal is to help you find the right farm insurance fit, not to push unnecessary products.
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Local Experience
You’ll get advice from someone who lives and works in Minnesota, understands the local conditions, trends, and the specific risks you face in areas like Glenwood, Sauk Centre and Paynesville.
You get practical insight so your choices earn you true peace of mind for your farm and family.
Farm Insurance That Bridges the Gap Between Risk and Recovery
ECO and SCO options are designed to close the gaps left by standard crop insurance. They work alongside your Multi-Peril Crop Insurance (MPCI) plan, covering area-wide losses in Minnesota that might impact your operation, even when your individual yields stay strong.
Supplemental Coverage Option (SCO)
SCO, introduced in the 2014 Farm Bill, covers county-level losses below 86% of expected yield or revenue. If you already have MPCI coverage but want more protection for your deductible range, SCO is a cost-effective way to strengthen your farm insurance plan.
Enhanced Coverage Option (ECO)
ECO, launched in 2021, covers losses from 86% up to 95% of your county’s expected yield or revenue. ECO gives you flexible levels (like ECO90 and ECO95), so you can fine-tune your coverage according to your crops and risk tolerance.
Specialty crop growers in Minnesota can now benefit from ECO, too, enjoying the same protection as major crop producers.
Both options layer seamlessly onto your existing farm insurance plan. They offer affordability (thanks to federal subsidies), flexibility, and protection that matches the unique challenges of Minnesota agriculture.
How to Add ECO or SCO to Your Minnesota Farm Insurance
Check Your Current Policy
Start by evaluating your MPCI coverage. ECO and SCO are supplemental coverage options that fill in important gaps for Minnesota producers.
Pick the Right Protection
Consider SCO for moderate, county-level coverage or ECO for even stronger protection, up to 95% of expected yields or revenues. Mandy will work closely with you to compare enhanced options and help you make the best choice for your Minnesota farm.
Reinforce Your Safety Net
Once you’ve added ECO or SCO, your policy will help you recover faster from county-wide setbacks, giving you greater confidence, even in unpredictable Minnesota seasons.
Don’t put your farm’s future on the line.
Let’s find a farm insurance plan that fits you and your land, right here in Central Minnesota. Contact Mandy today to get started.
FAQs About Enhanced and Supplemental Coverage Options (ECO & SCO)
SCO helps pay for county-level losses below 86% of the expected yield or revenue for your crops. ECO builds on that and extends protection up to 95%.