The Crop Insurance Podcast

The Crop Insurance Podcast

by Mike Rydell
BusinessCourses
Season 4
ECO, SCO & MCO Explained: What Changed for 2027 (and Why Your Old Coverage May Be Wrong)
The 2027 crop year brings the biggest shake-up to shallow-loss coverage since these products were created. Alex Offerdahl, managing partner at Watts and Associates and the architect behind ECO, is back on The Crop Insurance Podcast to walk through what's changed and what it means for your operation. In this episode: Why SCO now covers up to 90% and how that reshapes the ECO band The 80% subsidy: why the government now pays $4 for every $1 you put in ECO participation nearly tripled last year — here's why growers jumped Why buying up your individual coverage may finally make sense MCO (Margin Coverage Option) explained: input costs, price, and yield in one product The two questions that decide MCO vs. ECO for your farm Why Montana wheat growers should probably skip MCO this year (Alex explains the gap himself) The red flag to watch for in your agent's renewal conversation Projected prices are running higher than recent years, premiums will follow, and September 30 sales closing is coming fast. If you're renewing without rethinking, this episode is for you. The Crop Insurance Podcast is sponsored by the Crop West Insurance Group.
S4 · E4
Sep 3, 2026
39:03
There's Money in Your Mailbox: The OBBBA Farm Program Update
If you farm — or you write crop insurance for folks who do — there's a postcard sitting in a mailbox right now that's worth real money, and a deadline attached that nobody's saying loudly enough. This week I break down the farm-program changes coming out of the One Big Beautiful Bill: what's automatic, what you have to act on, and the dates that'll bite you if you snooze. Ten minutes, plain English, no government-handbook fog. Here's what we cover: → The base-acre postcard and the August 31 deadline to check it → Why the 2025 ARC/PLC safety net got stronger (and pays out this October) → The mandatory 2026 election — and the trap if you skip it → The big win for LLCs, S-corps, and partnerships: multiple payment limits, no more entity-level AGI test, and a September 15 window to restructure → Quick hits: SDRP's June 15 data pull, late-filed acres for 2019–2023, and the new Form 902 Chapters 0:00 Intro 0:14 Opening Credits 0:50 Ad – Crop West Insurance Group 1:19 Intro – RMA & FSA Meeting 2:09 The Postcard (Base Acres + Aug 31) 4:08 The Good News (2025 ARC/PLC Got Better) 5:37 Don't Sleep on the 2026 Election 6:49 Entities Just Got a Big Win (QPTE + AGI) 9:53 Lightning Round – Bonus Info 10:58 Wrap Up This is general info from a working agent, not tax or legal advice — for entity moves and AGI questions, loop in your CPA and your FSA office. 🎧 The Crop Insurance Podcast — straight talk on crop insurance from someone who actually writes it.. 👉 Subscribe so you don't miss the 2026 election dates when FSA drops them. #CropInsurance #FarmPolicy #OBBBA #ARCPLC #FarmProgram #USDA #FSA #AgPolicy #FarmFinance #BaseAcres
S4 · E3
Sep 3, 2026
12:25
Rural Mental Health: Breaking the Silence in Agriculture (with Jeff Winton, Rural Minds)
In this episode of the Crop Insurance Podcast, I’m joined by Jeff Winton, a dairy farmer and the founder/chairman of Rural Minds — a national nonprofit focused on improving mental health equity in rural America. Jeff shares the personal story that sparked Rural Minds, what he’s hearing across farm communities, and practical ways to start the conversation, reduce stigma, and connect people to real help. We also walk through Rural Minds’ Rural Mental Health Resilience Program — a “meeting-in-a-box” toolkit with free, downloadable materials that local groups can use right away. Resources mentioned (start here): Rural Minds (main site): https://www.ruralminds.org/ Rural Mental Health Resilience Program toolkit: https://www.ruralminds.org/resilience Rural Minds presentation: https://www.ruralminds.org/s/PowerPointPresentation-ImprovingMentalHealthinRuralAmericav4.pdf Social Media Links;Facebook: https://www.facebook.com/ruralmindsus Twitter: https://twitter.com/ruralminds LinkedIn: https://www.linkedin.com/company/ruralmindsus Instagram: https://www.instagram.com/ruralminds_/ YouTube: https://www.youtube.com/channel/UCN-AvVFwDiQhs7KQ_ZUl_ew Rural Minds email contact: info@ruralminds.org Rural Minds phone: 800-226-8113 If you (or someone you know) needs support: Call/Text/Chat 988 (24/7): 988lifeline.org Crisis Text Line: Text HOME to 741741 (24/7): crisistextline.org What you’ll hear in this episode: Why rural communities face unique barriers (privacy, distance, broadband access) Why asking directly — “Are you thinking about harming yourself?” — matters Practical “neighbor radar” signs to watch for How to use existing trusted community groups (Grange, Farm Bureau, schools, faith groups) to get help closer to home Subscribe for more conversations at the intersection of agriculture, risk, and real life.
S4 · E2
Jan 27, 2026
56:37
You Don’t Have to Wait for a Crisis | Rural Mental Health in Agriculture
In this episode, I sit down with Dr. Eric Arzubi (Frontier Psychiatry) to talk about the mental health challenges facing rural agricultural producers—and what practical support and resources are available right now. This conversation is especially relevant for crop insurance agents, FSA employees, lenders, and ag professionals who often hear the hard stuff first. We’re not trying to turn anyone into a therapist—this is about awareness, better language, and knowing where to point people when help is needed. In this episode, we cover: • Why rural producers often carry stress silently • The “language of feelings” and why it matters • Warning signs ag professionals may hear on the phone • How to listen without trying to “fix it” • When to ask direct questions and how to avoid shutting the conversation down • Why you don’t have to wait for a “crisis” to reach out • Mental health resources (including text and phone support) • Beyond the Weather and how Frontier Psychiatry is helping Montana’s ag community 00:00 Intro 00:20 Opening Credits 00:56 Ad – Crop West Insurance Group 01:25 Dr. Eric Arzubi Introduction 05:20 What makes rural communities different? 09:18 Why do producers remain silent? 13:16 What can crop insurance agents do to help? 22:32 When is it more serious than just a conversation? 33:32 What is Beyond The Weather? 37:44 Mental health resources (741741 & 988) 39:03 Final thoughts Resources & Help (Please Share) Frontier Psychiatry (Beyond the Weather / Appointments): Website: https://frontier.care Phone: (406) 200-8471 Crisis Text Line (U.S.) (you don’t have to be in a “crisis” to use it): Text 741741 (text “HELLO” or “HELP”) 988 Suicide & Crisis Lifeline (U.S.) (call or text): Dial 988 If you’re outside the U.S., please use your local emergency number or local crisis resources. Disclaimer This episode is for education and awareness only and is not medical advice. If you believe you or someone else is in immediate danger, call emergency services right away. If you work in agriculture… If this resonated with you, consider sharing this episode with someone in ag who might need it. Like • Subscribe • Comment — it helps more people find the episode.
S4 · E1
Jan 13, 2026
41:46
Season 3
A Farm Christmas Story: Coffee, Conversation, and a Way Forward
This isn’t a normal episode. To close out the season, Mike shares a short holiday story from farm country — one about tough years, quiet conversations, and how sometimes the most important thing is simply sitting down with someone and listening. It’s a lighter episode, a little different, and a reminder that even in difficult seasons, hope has a way of showing up — often over a cup of coffee. From our family to yours, happy holidays. We’ll see you in the new year.
S3 · E20
Dec 22, 2025
7:43
$12 Billion Up for Grabs? What Farmers Must Know About the New FBA Program Before December 19!
The USDA just announced a massive $12 billion relief package — and $11 billion of it is earmarked for row crop farmers under the brand-new Farmer Bridge Assistance (FBA) Program. In this episode of The Crop Insurance Podcast, Mike breaks down everything you need to know to claim your share, including who qualifies, how payments will be calculated, why accurate acreage reporting is critical, and what role crop insurance plays in this new era of farm support. Don't miss the key deadlines, payout details, and political backdrop behind this historic move in ag policy. This is need-to-know info — especially if you grow corn, soybeans, wheat, or any of the 20+ eligible crops. Deadline to act? December 19. Payments start? February 28. Your move? Hit play.
S3 · E19
Dec 9, 2025
11:01
SDRP Stage 2: Unlocking Payments for Shallow and Quality Losses
In this episode of The Crop Insurance Podcast, Mike breaks down the new SDRP Stage 2 program and why it's a game-changer for producers who had shallow or quality-related crop losses in 2023 or 2024 — even if they didn’t trigger a crop insurance claim. Learn how to apply, what records to bring to FSA, how to use the USDA's quality loss calculator, and why booking your appointment early is key.
S3 · E18
Dec 4, 2025
15:06
SDRP Stage 2: Your Application Checklist Starts Here
Stage 2 of the Supplemental Disaster Relief Program is officially open! In this quick-hit episode, Mike walks you through the must-have forms, records, and prep work you’ll need before applying. Whether you’re documenting losses, quality issues, or updating your info with FSA, we break it all down so you can hit submit with confidence.
S3 · E17
Nov 24, 2025
6:55
Margin Coverage Option: Navigating Area-Based Protection in a Volatile Market with Alex Offerdahl
In this episode of The Crop Insurance Podcast, Mike reconnects with Alex Offerdahl after their meeting at the Montana Grain Growers Association convention to discuss one of the newest tools in crop insurance: the Margin Coverage Option (MCO). With the September 30 sales closing deadline approaching, this timely conversation breaks down how MCO compares to ECO, SCO, and traditional revenue protection, and why understanding shallow-loss coverage is more important than ever. Mike and Alex unpack margin-based vs. revenue-based policies, the intricacies of area-level risk coverage, and the practical implementation challenges for farmers—especially in large counties like those in northern Montana. They share the backstory behind the development of MCO, including its legislative hurdles and the innovative 508(h) process that helped bring it to life. You'll also hear how export dynamics and input costs are squeezing farm margins, and why education—not sales—is key to making informed decisions. Whether you’re a crop insurance agent or a producer trying to "do the math," this episode is your guide to navigating the evolving landscape of federal crop insurance.
S3 · E16
Sep 23, 2025
40:24
Breaking Down PRF with Jaime Cortes: What You Need to Know
In this episode, we’re joined by Jaime Cortes, a crop insurance agent and PRF expert based in the Yakima Valley. Jaime breaks down how Pasture, Rangeland, Forage (PRF) insurance works, what a “grid” really means, and how the rainfall index triggers payments. If you’re a rancher, hay producer, involved in apiculture or just curious about how to manage risk during dry years, this episode is for you.
S3 · E15
Sep 9, 2025
35:13
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