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Supplemental Coverage Option

Nov 12, 2021

SUPPLEMENTAL COVERAGE OPTION

Two adjacent fields - wheat and corn in rural Indiana

The Supplemental Coverage Option (SCO) is a county-level revenue-based or yield-based optional endorsement that covers a portion of losses not covered by the same crop’s underlying crop insurance policy.

SCO can be elected only when a producer has purchased one of the following underlying plans of insurance:

  • Yield Protection
  • Revenue Protection
  • Revenue Protection with Harvest Price Exclusion

SCO is available in select counties for spring barley, corn, soybeans, wheat, sorghum, cotton, rice, blueberries, and apples.

PURCHASING SCO

First, you must choose an underlying policy:

  • Yield Protection
  • Revenue Protection
  • Revenue Protection with the Harvest Price Exclusion

Next, you choose SCO as an endorsement to the underlying policy. You must make this choice by the sales closing date for your underlying policy, and with the same insurance company.

Any crop on a farm that you elect to participate in the Agriculture Risk Coverage (ARC) program is not eligible for SCO coverage.

The Federal Government pays 65 percent of the premium. The exact premium cost depends on the crop, county, coverage level you choose, and the type of coverage you choose, such as Yield Protection or Revenue Protection.

SCO is a continuous option – it must be cancelled by the cancellation date. All applicable CCIP, Crop, and SP provision/dates from the underlying policy will apply to SCO.

SCO does not provide coverage for Prevented Planting or Replanting.

There is an additional administrative fee per crop/county for adding SCO.