Supplemental Coverage Option
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The Supplemental Coverage Option (SCO) adds extra protection at the county level. It covers part of the deductible on your base crop insurance policy.
SCO must be added to one of these:
- Yield Protection
- Revenue Protection
- Revenue Protection with Harvest Price Exclusion
The USDA covers 80% of the premium cost.
To use SCO, you’ll need to elect it by the sales closing date and keep it with the same insurance company. Keep in mind—if you sign up for Agriculture Risk Coverage (ARC) on a crop, that crop isn’t eligible for SCO.
What does the Supplemental Coverage Option (SCO) insure?
SCO covers a loss on an area basis, and an indemnity is triggered when there is a county-level loss in yield or revenue. The plan provides county-level protection from 86% down to your base policy level. If the county average yields drop below 86%, SCO may trigger an indemnity payment.
Is the Supplemental Coverage Option (SCO) based on my yields?
SCO payments are determined only by county average revenue or yield, and are not affected by whether you receive a payment from your underlying policy. It is possible to experience an individual loss but not receive an SCO payment, or vice-versa.
What policies can the Supplemental Coverage Option (SCO) be added to?
SCO can be added to Yield Protection, Revenue Protection, or Revenue Protection with the Harvest Price Exclusion policy or to the Actual Production History policy for crops that don’t have revenue protection available. You must buy it during your normal crop insurance sign-up.
How is the Supplemental Coverage Option (SCO) different from the Enhanced Coverage Option (ECO)?
SCO covers the bottom part (86% down to your base), while ECO covers the top part (86% up to 95%). Some producers choose one or the other, some choose both.
Is the Supplemental Coverage Option (SCO) affordable?
Yes. SCO is heavily subsidized—80% of the premium is covered by the USDA. That makes it one of the most budget-friendly ways to add coverage.
What crops are eligible for the Supplemental Coverage Option (SCO)?
SCO is available on most major row crops. County eligibility may vary. Our experts can help confirm if it’s available for your operation.
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