All Risk Crop Insurance

712.262.6550

Protect What You Grow.

Farming comes with enough uncertainty—your insurance shouldn’t add to it. At All Risk Crop Insurance, we specialize in customized coverage solutions designed to protect your operation from the unexpected and help you plan with confidence.
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Experience You Can Count On

About All Risk Crop Insurance

All Risk Crop Insurance is built around one simple goal: helping farmers manage risk and protect their livelihood. With deep industry knowledge and a hands-on approach, we work directly with you to understand your operation and recommend the right coverage—nothing more, nothing less.

Why Work With Us?
  • 15+ Years Experience
  • Fully Licensed
  • Locally Owned & Operated
  • Personal Service
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Coverage Built Around Your Operation

Our Products & Services

No two farms are the same. That’s why we offer a wide range of flexible insurance options tailored to your specific needs.

Multi-Peril Crop Insurance (MPCI)

MPCI is a federally subsidized insurance program that protects farmers against yield losses from natural disasters, severe weather, and market fluctuations. Policies must be purchased prior to planting and feature an industry-wide enrollment deadline of March 15th for most spring-planted commodities.

Governed by the USDA, it is sold and serviced through private insurance agents.

Affordable Premiums

  • Administered by the USDA Risk Management Agency, it is heavily subsidized by the federal government to keep premiums affordable. Because the federal government sets the regulations and subsidizes a large portion of the premium, policy rates and options remain consistent across providers, making it a highly accessible risk management tool.

  • MPCI is designed to protect your operation against a broad range of natural perils, including but not limited to drought, hail and insects. They can provide protection against low yields and/or the decline in price of the crop, depending on which type you choose.

Call us at 712.262.6550 to learn more about MPCI options.

Hail & Wind Insurance

Comprehensive protection against hail, wind, or storm damage—designed to minimize losses and get your operation back on track quickly.

  • Hail Coverage

    Reliable hail protection that pays for crop loss and damage, with fast claim response and fair settlement to help you recover without long delays.

  • Wind Protection

    Wind crop insurance provides specialized coverage options for field damage caused by severe wind events, covering major options like Green Snap and Wind/Hail endorsements. It protects against unrecoverable flattened stalks, broken joints, and underlying crop insurance deductibles. Usually bundled as an optional add-on to a private crop-hail policy, requiring a companion hail plan depending on your provider.

Call us at 712.262.6550 to cover your crops from hail and storms. 

Fire & Drought

Protect you crops from fire with a fire insurance policy. For a low price of $.20 per $100 per acre it covers all fires where as your multi-peril policy only covers fires caused by a natural occurrence like by lightening. 

  • Natural Occurrence

    Coverage for fires and losses caused by natural events such as lightning, wildfires, or extreme weather. This protection helps ensure you’re compensated quickly when nature damages your crop.

  • Man Made

    Protection for fires and losses resulting from human causes, including accidental ignition, equipment failure, or nearby structure fires. This supplemental coverage fills gaps left by standard multi-peril policies.

Call us at 712.262.6550 to cover your crops from fire. 

MPCI policies can be supplemented with endorsements for additional protection. Two popular endorsements are the Enhanced Coverage Option (ECO) and the Supplemental Coverage Option (SCO).

Both ECO and SCO increase the insurable percentage of your expected crop value, and triggers are based on county-level loss. They can be elected separately or together.

Contact Us Today for a Free Estimate

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Free Quote

Protect your harvest, protect your future. We’ll work with you to build a plan that secures your operation against the unpredictable so you can focus on growing.

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Fast, Personalized Estimates

Tell us a few details and we’ll provide a no-obligation quote within 48 hours. Protect your harvest with coverage designed for your fields and budget.

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Reach Out

  • Office

    306 11th St SW Plaza
    Spencer, IA 51301

  • Phone

    712.262.6550

  • Email

    bstukey@orwigcropins.com

  • Hours

    Mon-Fri: 8:30am-4:30pm