Enhanced Coverage Option (ECO) follows the coverage of your underlying crop insurance. It follows the type of policy you already have:

• If your base policy is Yield Protection, ECO covers county-wide yield losses.
• If your base policy is Revenue Protection, ECO covers county-wide revenue losses.

ECO doesn’t look at your individual production. It triggers based on how your county performs. If the county yields or revenue falls below a certain point, you may get an indemnity.

You can choose a trigger level of 90% or 95%, and ECO provides a band of coverage between the elected trigger level and 86%. If the county yield or revenue is reduced beyond the trigger level, you may receive an ECO indemnity. If the reduction in yield or revenue exceeds the 86% threshold, you may receive an indemnity equal to the full insured liability.

It’s county-based. If the average yield or revenue for your county falls below the trigger level, ECO could trigger an indemnity, even if your personal field yields didn’t.

ECO must be added to one of the following policies: Yield Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion, Actual Production History, or Yield-Based Dollar Amount of Insurance.

ECO provides up to 9% more coverage on top of your base—filling the gap between 86% and 95% of expected revenue or yield.

Yes. For the 2026 crop year, the USDA will subsidize ECO at 80%, making it more affordable than it sounds for the amount of coverage it adds.

Most major crops qualify, but eligibility can vary by county. Our experts can help confirm what’s available for your operation.