Actual Production History
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The Actual Production History (APH) plan covers losses when your yield falls short due to natural causes. That includes drought, flood, excess moisture, frost, wind, and insect or disease damage that couldn’t be prevented.
How does Actual Production History (APH) coverage work, and how is the guarantee calculated?
APH coverage is based on your own yield history. The guarantee is calculated like this:
Approved APH Yield × Coverage Level = Guaranteed Yield
If your total production—harvested and appraised—is less than that guaranteed yield, your policy may trigger an indemnity.
How is an Actual Production History (APH) indemnity determined?
An indemnity may be triggered if the value of your actual yield falls below your guarantee. The formula looks like this:
(Final Yield × Price) < (Guaranteed Yield × Acres)
If your production doesn’t meet the guarantee, the policy may pay an indemnity based on the difference.
What types of crops can be insured under Actual Production History (APH)?
Actual Production History (APH) coverage is available for many crops that don’t qualify for revenue plans. That includes most perennial crops like apples, peaches, and grapes, as well as small grains like oats, rye, flax, and buckwheat.
Not every crop fits every plan. Our team can help you determine if APH coverage is a good fit for your operation.
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