Fixed Cost Margin Coverage:
You cover your inputs, we’ll protect your fixed costs
Confident you’ll earn enough to cover your input costs?
Fixed Cost Margin Coverage offers producers a unique approach to insuring a portion of their fixed costs, and it stacks nicely with other insurance products. If you’re a farmer that typically earns enough each season to comfortably cover your direct input costs, you’re still faced with fixed costs that aren’t protected by traditional farm insurance products. With the Fixed Cost Margin option, you’ll be responsible for your input costs while our coverage will insure a gross-margin you select to guarantee enough revenue to cover a portion of your fixed costs.
Revenue
Investment
Your revenue is guaranteed at gross-margin you choose.
You take on the rise of covering your inputs, or stack this coverage with other insurance.
Features & Benefits
Strengthen your existing crop insurance portfolio
Fixed Cost Margin Coverage (FCMC) was designed to bring the unique benefits of production cost insurance to farmers with existing crop insurance products. If you’re confident in your current mix of coverage but want to add protection for your fixed costs, the FCMC option will increase your protection while stacking effectively with existing products.
You’ll cover your direct (input) costs, we’ll protect your fixed costs
With Fixed Cost Margin Coverage (FCMC), you’re responsible for covering losses up to the point they meet your farm’s direct input costs. Most often, farmers that choose this option have other coverages in place to help bridge any shortfalls. FCMC stacks with those other coverages effectively and offers protection for your gross-margin above your direct inputs. With FCMC’s revenue protection, your ability to fund your fixed costs and keep farming your way is protected.
Fixed Cost Margin Coverage (FCMC) was designed to bring the unique benefits of production cost insurance to farmers with existing crop insurance products. If you’re confident in your current mix of coverage but want to add protection for your fixed costs, the FCMC option will increase your protection while stacking effectively with existing products.
With Fixed Cost Margin Coverage (FCMC), you’re responsible for covering losses up to the point they meet your farm’s direct input costs. Most often, farmers that choose this option have other coverages in place to help bridge any shortfalls. FCMC stacks with those other coverages effectively and offers protection for your gross-margin above your direct inputs. With FCMC’s revenue protection, your ability to fund your fixed costs and keep farming your way is protected.
HOW IT WORKS
Production Cost Insurance
Fixed Cost Margin: Multi-peril Production Cost Insurance
You cover the cost of your direct inputs:
Seed
Fertilizer
Chemical
We cover your gross-margin, protecting your ability to manage fixed costs and keep your long-term plan on-track.
Input
Coverage
Premiums
With this option, you’ll have protection for your farm’s performance after your direct input costs. If you have a strong risk management strategy and are looking to increase your protection and ensure your farms stability in the long-term, or if you’re comfortable self-insuring the cost of growing this season’s crop, FCMC can offer piece of mind that can’t be found in other risk management solutions.
If you’re confident in your ability to cover or insure the direct costs of this year’s crop, but want a little more protection to keep pace with your fixed costs in a difficult year, FCMC is the coverage option for you.
Farmers are using Production Cost Insurance to drive better results
Every farm is different. We've got options.
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Case Study
Fixed Cost
Katherine and her family were looking for more protection than their current mix of insurance products could provide.
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Case Study:
Full Coverage
Video Testimonial
Times of Uncertainty
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Shared Risk Coverage
Case Study
Fixed Cost Margin Coverage
Video Testimonial
Farm with Confidence
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a part of HUB International