Paraplu Risk Management treats crop insurance as a financial strategy, not a commodity. The focus isn’t just on placing coverage, but on outcomes—helping farmers stabilize income, manage volatility, and make confident business decisions year after year.
Coverage decisions are never one-size-fits-all. Paraplu works with producers to align insurance strategies with revenue goals, cost structure, and tolerance for volatility—adjusting as markets, input costs, and farm programs change.
The result is intentional, understandable coverage designed to support the operation throughout the season and at claim time.
Coverage
Protects farmers against yield losses caused by natural events like drought, excess moisture, hail, or disease. If actual production falls below a guaranteed yield, the policy pays an indemnity based on the shortfall—helping stabilize income when production losses occur.
A county-based add-on that extends your crop insurance protection up to 95% coverage. It helps cover shallow, area-wide losses above your underlying policy, filling the gap before your primary coverage triggers.
A county based add-on policies that sit on top of your base crop insurance to cover more risk. They help protect higher levels of revenue or area-wide losses that a standard policy doesn’t fully cover, filling gaps and strengthening your overall risk plan.
An area-based add-on that protects your operating margin, not just revenue. It provides coverage when county revenue falls short of expected levels after accounting for input costs, helping guard against tighter margins from lower prices, yields, or rising expenses.
Protects farm income by covering the gap between expected and actual operating margins. It uses county-level yields, projected prices, and input costs to help safeguard against a combination of lower prices, reduced yields, or rising expenses—providing whole-farm income stability beyond yield alone.
Non-government crop insurance options offered by private companies that supplement federal coverage. They’re designed to address specific risks or coverage gaps—often providing more flexibility, higher protection levels, or targeted protection beyond standard crop insurance.
protects your farm income by covering both yield losses and price declines. If harvest prices rise, your coverage adjusts higher—helping protect revenue when yields fall or markets move against you.
Provides protection against yield losses caused by hail and wind events. It’s often used alongside multi-peril crop insurance to cover localized, in-season damage that can happen before a revenue or yield policy is triggered.
Protects livestock producers against declining market prices. It helps cover price risk on cattle, swine, or lambs by providing an indemnity if national prices fall below your selected coverage level during the insurance period.
Protects livestock producers against forage losses caused by lack of precipitation. Instead of measuring actual production, payments are triggered by rainfall levels falling below historical averages in a selected area—helping offset feed costs and maintain cash.
01
We start by learning about you, your operation and your goals.
We will review your crops, acreage, production history, and financial goals, while discussing risk tolerance and past challenges. This information is used to identify vulnerabilities and tailor a risk management strategy that fits your farm.
02
We present crop insurance coverage options tailored to your operation, risk profile, and revenue goals.
We walk through the options together so you can confidently choose the plan that makes the most sense for your operation.
03
We handle the application process, making sure all acreage, production history, and coverage elections are completed accurately and on time.
After enrollment is complete, your coverage is in place for the season ahead.
At the conclusion of each step, we will be available to answer any questions you might have. Your peace of mind is our top priority.
Yes. Paraplu considers how insurance decisions interact with marketing strategies, price risk, and cash flow so everything works together instead of at cross-purposes. However, Paraplu does not execute grain sales or manage futures and options. All pricing decisions and sales are handled directly by you and your broker or merchandiser.
Paraplu stays engaged throughout the year, helping producers understand how weather, markets, and farm programs interact with their insurance strategy. Support doesn’t stop once the paperwork is signed.
It’s best if you proide us with a schedule of insurance or a copy of your actual production history.
No. Paraplu works with a wide range of operations, from smaller family farms to larger, multi-crop producers. The strategy is customized to each operation, regardless of size.
At this time, Paraplu focuses exclusively on crop insurance. That said, we have a strong network of trusted partners and are happy to point you in the right direction. Reach out and we can help you with all other lines of insurance.
If you have any further questions or need personalized assistance, we are here to help. Reach out to us directly, and we’ll guide you through any concerns you might have. We’re just a call away!
Protect the future of your operation with Paraplu Risk Management. Our approach goes beyond policies to build risk strategies aligned with your operation’s scale and financial goals. Connect with us to move ahead with confidence and long-term stability.